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Research Reports

Research is our middle name. Dig in! Below is over 20 years’ worth of research helping credit unions survive, thrive, and solve problems for consumers.

Filene 2013 Impact Report

Filene 2013 Impact Report

At Filene Research Institute, we strive to drive meaningful change for credit unions and their members. We constantly ask ourselves if we are making a difference. This Filene 2013 Impact Report is a chance to reflect on the past year, as well on what lies ahead. In the last year,...

Young Adult Retirement Planning: Do We Have a Future?

This brief is only on the web and not published in the traditional PDF format. Once you sign in to read it, you can navigate by clicking the chapter links at the bottom of the page. With retirement planning not at the forefront of people’s minds, will our members be...

Women in Leadership: Obstacles and Opportunities

Women in Leadership: Obstacles and Opportunities

Want more? Attend our Women in Leadership Colloquium at the University of Southern California on June 19. Register here. Historically, women in the United States have made significant progress, professionally, to close the compensation gap with men. However, women who want to earn more, do more, and take leading roles at...

Research Brief: Bank Shopper Snapshot Survey Vol 10: Mobile Payments Tracker II

More than half of adults own smartphones and recent research indicates that the average smartphone user checks her phone more than 150 times a day. These powerful little computers in our pockets are quickly changing how we learn about products and services, bank, and pay for things. This research brief from Rob...

Asset-Liability Management: Theory, Practice, Implementation, and the Role of Judgment

Asset-Liability Management: Theory, Practice, Implementation, and the Role of Judgment

This research asks the questions: Which interest rate risk models should credit unions consider in the face of an uncertain interest rate environment? Which asset/liability management factors and responses should be written into policy and which should not?  Evaluating interest rate risk (IRR) will remain a chief priority for credit union executives, especially when enforcing...

Is the CFPB Listening? Credit Unions Under Dodd-Frank

Is the CFPB Listening? Credit Unions Under Dodd-Frank

The Consumer Financial Protection Bureau does listen to credit unions, but doesn't necessarily act to support them. Like credit unions, the CFPB’s purpose is to support consumers, so credit unions must position their feedback as consumer-focused. The CFPB’s approach may or may not ultimately help consumers. Even allowing that the...

Future of Payments: Credit Union Implications - A Colloquium in Salt Lake City

Future of Payments: Credit Union Implications - A Colloquium in Salt Lake City

At Filene’s colloquium in Salt Lake City, “Future of Payments,” we brought together experts from both inside and outside the credit union system to get a handle on how the rapidly changing payments field will impact our service offerings, revenue opportunities, and member relationships. That said, credit unions can’t afford to take a wait-and...

Credit Union Capital Adequacy: What’s New and What’s Next?

Credit Union Capital Adequacy: What’s New and What’s Next?

Credit unions’ long-standing inability to access alternative capital impairs their stability during times of stress and their ability to grow in both good and bad times. Michael Andrews outlines the mismatch between credit unions and investor-owned banks, with special attention to the implications of Basel III capital guidelines, prompt corrective...

Improving Social and Environmental Sustainability: A Credit Union Assessment and Comparison

Improving Social and Environmental Sustainability: A Credit Union Assessment and Comparison

Improving sustainability performance is a desirable goal for many credit unions.  As consumer priorities evolve, it makes strategic sense for credit unions to double down on sustainability, because their governance and field-of-membership orientation already fulfills many of the items on the sustainability checklist. This report provides key insights and lessons...

International Symposium on Measuring Credit Union Performance

International Symposium on Measuring Credit Union Performance

View presentations from the International Symposium on Measuring Credit Union Performance, held at the University of Toronto’s Rotman School of Management.  The symposium examined the future of credit unions. With the rapidly changing regulatory, payments and capital environment, what does it look like? Given this environment, what types of tools can...