Leaders in credit unions are reevaluating ODP programs. Shifts in consumer behavior, fintechs gaining market share, and the impact on lower income members, ODP programs are preparing for change.
Luis G. Dopico is an economist at the Filene Research Institute. His areas of expertise include credit unions, their historical and current call report data, and analyzing their performance statistically. Over the years, he has researched crucial credit union topics including deposit insurance, capital requirements, financial sustainability, and structuring credit unions for innovation. He is particularly interested in the complex interactions among asset size, costs, member benefits (credit union interest rates compared to bank interest rates), asset growth rates, ROA, and capital ratios. He regularly evaluates the performance and economic impacts of both traditional and innovative credit union products, of individual credit unions, and of subsets of credit unions, such as those for specific states and countries.
Luis received his BA in economics and mathematics from the University of Southern Mississippi and his PhD in economics with specializations in statistical analysis and finance from Auburn University. His research has been published by Filene, the Federal Reserve Bank of San Francisco, Opportunity Finance Network, and in the Journal of International Financial Markets, Institutions and Money; the International Review of Finance; Corporate Finance Review; Essays in Economic and Business History; and the Cooperative Business Journal.
Luis and his wife love to travel and when they do, they often pick up dog toy souvenirs from around the world for their adorable dog, Bonnie. Various creatures have already come home from London, New Orleans, Paris, Rome, Venice and Spain, to name a few.
The Latest from Luis
The State of IT Infrastructure and Cybersecurity — Insights & Self-Assessment for Credit Unions, 2021
This brief summarizes a Filene survey on credit unions’ technology infrastructure and cybersecurity readiness and presents a self-assessment tool that can be used to identify risks and opportunities.
Credit Union Asset Growth: Long-Term Trends and Projections for the COVID-19 Crisis
Analyzing five decades of macroeconomic and credit union data, Filene economist Luis Dopico highlights long-term trends in credit union asset...
A Beginners’ Guide to Macroeconomics
Brush up on your Economics 101 to help you and your credit union better quantify, understand, and navigate short-term macroeconomic upheavals while engaging in more-informed strategic planning.