Skip to Navigation | Skip to Content

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...

Banking on Healthcare: The Credit Union Business Opportunity

As credit unions struggle to increase interest and noninterest income, they look wistfully at industries like healthcare, where revenue growth continues apace. America spends about 17% of GDP on healthcare, a percentage that has grown from about 14% in 2000 and 7% in 1970. The industry-wide move to electronic health records (EHRs) means that credit unions...

Saver’s Credit Program Review

No one likes to admit failure, but that is what this project reports. The Saver’s Credit Program (SCP) was an idea that made a lot of sense. First, an enterprising i3 group came up with a clever idea to create “savings exchanges” to reinforce savings practices. Borrowing from the Weight...

Commercial Lending During the Crisis: Credit Unions Vs. Banks

At a time when the economy needs kindling from any corner, credit unions’ stable commercial lending history shows they may be a helpful source. This report, from David Smith, an economist at Pepperdine University’s Graziadio School of Business and Management, seeks to quantify the performance of credit union commercial lending...

Design Thinking Through MBA Partnerships

Sometimes the unlikeliest of marriages results in the most fascinating spawn. The collaboration between the Filene Research Institute and Design Concepts, Inc. is a case in point. What could a hip product development firm and a credit union research outfit possibly have to talk about over the dinner table? Quite...

Harvard Business School Examines Credit Unions

Recently I searched the Harvard Business School case study library for a credit union-specific case. To my amazement no such case existed. How could it be that a system which captures upwards of 10% of the consumer finance market is not the subject of an HBS case? To remedy this...