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Consumer Thinking

Understanding consumers' financial needs and how people make decisions is vital. It can help credit unions attract, serve and grow more loyal members.

For the Long Run: Leveraging Reflexive Opportunities

Your credit union can build life-long member loyalty by creating opportunities for members to reflect on their relationship with the credit union.

The Needs-Adaptive Member Journey

Instead of focusing on a "purchase," consider using member goals and well-being to anchor your credit union's business strategy for facilitating member journeys.

Operations

Competition in financial services is fierce. Credit unions must overcome tight spreads and thrive so that more members can benefit from cooperative finance.

Factors Contributing to Failures of Credit Unions and Banks, 1980–2018

We review credit unions and banks across asset size ranges and time periods to identify lessons learned and potential predictive tools.

Are You Prepared? Get Your Credit Union and Members Ready for Recession

Review Filene's research and what it says about preparing your credit union for the next recession.

Business Strategy

What got you here won't get you where you're going. The challenge to stay current in a shifting financial industry takes a balance of innovation and smart strategy.

Do Strategies Focused on Member Experience Impact Credit Union Performance?

Credit unions that make use of member experience data and focus on member compatibility have improved member satisfaction and higher asset growth.

Credit Union Growing Pains: Trends and Strategies for Sustainable Growth

Dive into what Filene's research says about growing your credit union.

Talent

People truly are your greatest asset. Without the right talent, a credit union's mission and strategy can fall flat and attraction and retention take effort.

The Case for Workplace Well-being

Create a financial wellness program that will positively impact your employees and your credit union.

Workplace Design as a Strategic Human Capital Management Tool

Create a high-quality work environment through workplace flexibility.

Technology

Technology changes fast and directs how consumers handle finances. Credit unions must stay nimble, relevant and adaptive.

Fairness and Accountability for Algorithms in Financial Services

This report reviews a key area where trust is increasingly at a premium: the use of consumers’ data in algorithmic credit scoring.

The Lessons of Fintech Apps: Design Matters for Personal Finance

Learn the lessons that may help improve how your credit union services are perceived and activate deeper engagement with younger members.

Community Impact

One in five households in America lacks access to affordable financial services. Credit unions have a role in reaching more consumers and tackling this disparity.

Pathways to Financial Well-being

Develop a model to better support consumers in achieving financial well-being.

Domestic Violence Recovery Loan Program - Year 3 Report

Understand how credit union's are in a unique position to meet a crucial need for survivors of domestic violence.