Luis G. Dopico specializes in researching credit unions, particularly in using their historical and current call report data, to analyze statistically their performance and products.
Over the years, Luis has researched many 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, returns on assets, 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.
The latest from Luis
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Report #553 |Overdraft Protection Programs: Credit Union Best Practices
Leaders in the credit union system and in financial services are reevaluating overdraft protection (ODP) programs. With shifting consumer behavior and expectations, fintech firms gaining market share, and a disparity of impact on lower income members and people of color, ODP programs are undergoing dramatic transformations.
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Report #547 |The State of IT Infrastructure and Cybersecurity—Insights & Self-Assessment for Credit Unions, 2021
This brief summarizes a survey on credit unions’ technology infrastructure and cybersecurity readiness and presents a prototype self-assessment tool that credit unions can take to begin identifying risks and opportunities as they proceed along their infrastructure and security journey.
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Report #513 | | MembersCredit 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 growth and predicts the effect of the COVID-19 crisis on asset growth rates in the near future.
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Blog |A Beginners’ Guide to Macroeconomics
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Luis Dopico
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Elry Armaza
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Freddy Zhao
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 long-term strategic planning.
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Luis Dopico