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Research

Everything we do starts with research. At Filene Research Institute, we’re driven to learn what makes credit unions tick. And what could make them tick even better. We spend our days—and sometimes our nights—connecting with leaders from credit unions, academia, public policy, business, and technology to deliver the world’s best thinking and tools to stay competitive for credit unions and cooperative finance.

Latest Publications

The Impact of Two-Tiered Banking: How Credit Unions Can Bridge The Divide

For many consumers, payday lending is a dangerous cycle of indebtedness.  Yet, payday-lending services are in high demand. As a result, policymakers and the public watch the steady rise of payday lending with concern. This study traces the emergence and expansion of payday lending outlets in Winnipeg and rural Manitoba...

Financial Capability Near Retirement: A Profile of Pre-Retirees

Legendary football coach Vince Lombardi once said, “The harder you work, the harder it is to surrender.” We all want to surrender from the workforce on our own terms. Whether retirement comes early or late, financial planning is necessary. Gone are the days where everyday workers could rely on a...

Credit Union 2.0: An Opportunity to Build Collaborative Partnerships

Proactive collaboration will be the ingredient of choice for credit union mergers of the future and by default, should come naturally for financial cooperatives; banks have less incentive to collaborate because of their for-profit nature.  Collaboration requires time, effort, compromise and commitment. Small to mid-size credit unions can thrive on their own,...

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Top Publications

Credit Union 2.0: An Opportunity to Build Collaborative Partnerships

Proactive collaboration will be the ingredient of choice for credit union mergers of the future and by default, should come naturally for financial cooperatives; banks have less incentive to collaborate because of their for-profit nature.  Collaboration requires time, effort, compromise and commitment. Small to mid-size credit unions can thrive on their own,...

The Impact of Two-Tiered Banking: How Credit Unions Can Bridge The Divide

For many consumers, payday lending is a dangerous cycle of indebtedness.  Yet, payday-lending services are in high demand. As a result, policymakers and the public watch the steady rise of payday lending with concern. This study traces the emergence and expansion of payday lending outlets in Winnipeg and rural Manitoba...

Addressing the Revenue Growth Challenge

Cutting costs and scaling back on expenditures is a sure fire way to achieve short-term profitability. Certainly credit unions can focus on shrinking assets to maintain capital, but how does that contribute towards long term sustainability? It may not be the engine for growth your credit union is looking for....

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