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Filtered Research Reports

Room to Grow: Credit Union Business Lending

Credit unions today are restrained by statute and regulation from lending more than 12.25% of their assets to business, unless they qualify for one of several prescribed exceptions. This restriction continues while the commercial banking industry becomes more concentrated and the composition of its largest assets—loans—shifts away from commercial and industrial lending and toward various...

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...

Improving Peer Group Analysis for Credit Unions

Benchmarking, when conducted appropriately, yields several benefits for credit unions. It can help credit unions identify best practices, monitor a changing landscape, test a hypothesis, define a course of action, or simply tell who you need to call to ask for their secrets. View the December 4th Webinar Below While...

Credit Union Strategic Growth and Budgeting

Strategic budgeting sessions tend to be disappointing or unrealistic, and they are often both. That’s not because of a dearth of good intentions from the board or a lack of budgeting expertise from managers. They are often disappointing because they work from a dangerous initial premise: The credit union ought...

Pre- and Post- Retirement Asset Portfolios

Is your credit union ready to manage the retirement assets of America’s largest generation? Pre- and Post-Retirement Asset Portfolios draws on the RAND Corporation’s Health and Retirement Study (HRS) to compare the asset-holding and selling trends between baby boomers and previous generations. The researchers examine important individual variables, like education,...

Credit Union Implications of Living Trusts

An entire generation of Americans is beginning to retire in a new way. As defined benefit plans disappear, they are being replaced by defined contribution plans: 401(k)s, 403(b)s, and individual retirement accounts (IRAs). Credit union members are living off those nest eggs and planning to leave slices of the eggs...

Retirement Preparedness and Savings Choices in 2005-2009

What are the current trends in retirement preparedness and savings choices? In Filene’s continuation of the Consumer Finance Monthly (CFM) series, we explore: A market analysis of retirement preparedness, saving choices, and general trends from 1952 to 2009. CFM household data including net worth, household income, and the net worth...

Credit Unions and Asset Accumulation by Lower-Income Households

This study profiles special efforts by credit unions to reach low and moderate-income households and to help them build savings. Community development credit unions work hard and creatively to provide basic financial services to low-income communities. This report focuses on the efforts of larger, traditional credit unions to serve lower-income...