Global Filene Reports

While sharing these reports with insights from abroad, Filene also recognizes that the US is itself a global community. Our work seeks to support diverse communities within the US, many of which maintain various economic and social ties abroad. We also recognize that insights from cooperative finance abroad can provide useful models and case studies to help inform growth, financial inclusion, and mission fulfillment for the US-based credit union system.

Global Filene Reports Research

Meeting the Needs of Independent Workers at Vancity Credit Union
Business Strategy / Apr 30 2019
Meeting the Needs of Independent Workers at Vancity Credit Union

Independent workers represent a growing demographic with unique financial needs, specifically income instability and lack of traditional employment benefits. This...

Governance Challenges in Credit Unions: Insights and Recommendations
Talent / Nov 21 2017
Governance Challenges in Credit Unions: Insights and Recommendations

As governance arrangements of credit unions continue to evolve, this report examines the characteristics of the well-governed credit union, and...

Canadian Credit Union Perspectives on Marketplace Lending: New Approaches from Day One
Technology / Sep 22 2017
Canadian Credit Union Perspectives on Marketplace Lending: New Approaches from Day One

Debt-based crowd-funding platforms, also known as marketplace lending in Canada, have attracted engagement from a number of credit unions that...

Credit Union Commercial Lending: Mitigating Risk through Recording, Monitoring, and Reporting
Business Strategy / Jul 07 2017
Credit Union Commercial Lending: Mitigating Risk through Recording, Monitoring, and Reporting

In this research report, the authors investigate the recording, monitoring, and reporting of issued loans and delinquency by Canadian and...

Conexus at a Crossroads: Structuring a Credit Union for Innovation
Business Strategy / Jun 23 2017
Conexus at a Crossroads: Structuring a Credit Union for Innovation

Conexus Credit Union had found itself at a turning point. How would it organize itself to deliver innovative products and...

Canadian Credit Unions: Capital Buffers Under Basel III
Operations / May 01 2017
Canadian Credit Unions: Capital Buffers Under Basel III

Hessou and Lai report on a timely analysis of how Canadian credit unions’ capital buffers respond during periods of economic...

Reimagining Credit Unions: The Federal Option, Lessons from Europe, and Digital Lending
Community Impact / Technology / May 02 2017
Reimagining Credit Unions: The Federal Option, Lessons from Europe, and Digital Lending

What would it look like to reimagine credit unions based on the latest research into organizational innovation, consumer behavior, and...

Credit Unions and Remittances: An Environmental Scan
Technology / Nov 29 2016
Credit Unions and Remittances: An Environmental Scan

International remittances offer an opportunity for credit unions to attract new members and offer an essential financial service at lower...

Doing Digital Right: What Australian Customer-Owned Banking Institutions Should Consider Now
Technology / Apr 12 2016
Doing Digital Right: What Australian Customer-Owned Banking Institutions Should Consider Now

Australian consumers have a growing appetite for digital banking channels. It’s time for your institution to get into the game...

Financial Soundness of Canadian Credit Unions
Business Strategy / Operations / Apr 28 2016
Financial Soundness of Canadian Credit Unions

Looking into the future, if Canadian credit unions maintain the status quo, which is excellent performance relative to managing credit...

Canadian Credit Unions: Different By Design
Operations / Dec 21 2015
Canadian Credit Unions: Different By Design

Since the financial crisis that began in late 2007, the financial soundness of deposit-taking institutions has been of particular importance...

Survey of Co-operative Capital
Operations / Mar 04 2015
Survey of Co-operative Capital

For decades, co-operatives have relied on a unique ownership model to gain access to member capital. However, many co-operatives are...

The Gen Y Imperative: Six Lessons for Australian Mutuals
Dec 15 2014
The Gen Y Imperative: Six Lessons for Australian Mutuals

Australian Gen Yers share many similarities with their American counterparts. For financial institutions, engaging this generation through mobile banking, financial...

Women in Leadership Colloquium
DEI / Dec 09 2014
Women in Leadership Colloquium

Women are an essential part of credit unions globally, and they are increasingly taking on leadership roles. But they still face systemic challenges that threaten their professional aspirations.

Segmenting Canadian and American Immigrant Prospects
Lives in Transition / Sep 12 2014
Segmenting Canadian and American Immigrant Prospects

North American banks motivated by profit, target the largest immigrant groups. As a result, credit unions have an opportunity to engage immigrant communities that are ignored by banking institutions.

Microloan Feasibility Study: Can Small Business Lending Become Big Business for Credit Unions?
Business Strategy / Sep 06 2013
Microloan Feasibility Study: Can Small Business Lending Become Big Business for Credit Unions?

Loans are credit unions’ biggest income sources, and with historically low loan-to-share ratios and interest rates, credit unions must generate new loans.

Leadership & Results: A Study of Canadian Credit Unions
Business Strategy / May 14 2013
Leadership & Results: A Study of Canadian Credit Unions

This brief examines the differences in leadership behavior and effectiveness. It looks at transactional and transformational leadership behaviors to provide insight into the topic of leadership.

Financial Services Needs of Immigrant Communities in Canada and the United States
Consumer Thinking / Apr 26 2013
Financial Services Needs of Immigrant Communities in Canada and the United States

The purpose of this research is to identify relevant and applicable socioeconomic trends within the immigrant community in Canada and the United States.

Corporate Governance in Canadian and US Credit Unions
Operations / Jul 13 2012
Corporate Governance in Canadian and US Credit Unions

This study examines governance practices among North American credit unions to better understand the historical structure of credit unions and to inform policy that will allow them to flourish.

International Cooperative Governance and Market Trends
Operations / May 25 2012
International Cooperative Governance and Market Trends

Discussions on the changing face of credit union governance, the threat of demutualization, and the importance of integrity in credit union efforts to differentiate in a crowded marketplace.

Credit Union Market Niches: Social and Demographic Opportunities
Consumer Thinking / Jan 08 2012
Credit Union Market Niches: Social and Demographic Opportunities

At the crossroads of culture and financial services, credit unions find opportunities to serve groups like these, groups whose needs...

Global Trends: Drivers, Values, and Strategic Questions for Credit Unions
Business Strategy / Jan 05 2012
Global Trends: Drivers, Values, and Strategic Questions for Credit Unions

Every business leader is forced to wrestle with the prospect of what’s next. This report looks beyond the next few years at four scenarios that are possible next steps beyond the Great Recession.

Consumer Financial Protection: U.S. Proposals and International Experience
Operations / Apr 15 2010
Consumer Financial Protection: U.S. Proposals and International Experience

This report sketches the consumer financial protection proposals currently in play and compares them to pro-consumer structures around the world.

Impact of Taxation on Credit Unions in Australia
Operations / Sep 24 2007
Impact of Taxation on Credit Unions in Australia

What can U.S. credit unions learn from Australian credit unions? Plenty. This report delves into the experiences of Australian credit unions during their transition from tax-exempt to taxed entities.

Household Credit in China: Recent Experience and Lessons from Other Countries
Jan 01 2005
Household Credit in China: Recent Experience and Lessons from Other Countries

This paper summarizes the results of a research conference convened at Beijing University, China, in August 2004, with the...

Serving Members Around the Globe: United Nations Federal Credit Union Expands Operations to Foreign Shores
Business Strategy / Jan 01 2001
Serving Members Around the Globe: United Nations Federal Credit Union Expands Operations to Foreign Shores

In this paper, we explore the challenges and opportunities encountered by United Nations Federal Credit Union, a leader in exploring the potential of expanding its operations into international areas.