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Research

Everything we do starts with research. At Filene Research Institute, we’re driven to learn what makes credit unions tick. And what could make them tick even better. We spend our days—and sometimes our nights—connecting with leaders from credit unions, academia, public policy, business, and technology to deliver the world’s best thinking and tools to stay competitive for credit unions and cooperative finance.

Latest Publications

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...

Turmoil in Payments

Login to download the full report and click on the button above for a slide deck on the evolution of payments. Payments is perhaps the most dynamic topic in financial services today. To paint a picture of the shifting landscape, Filene completed more than two-dozen expert interviews, conducted a survey to...

Living on the Financial Edge: New Debt Challenges for At-Risk Americans

How financially capable are Americans? Over the last year, Filene has released a series of reports on the financial state of four groups that are essential to healthy credit unions—Gen Y, pre-retirees, Hispanics, and women. The data paints a troubling picture of various American subgroups’ financial capability. Take the quiz to test...

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Top Publications

The Consumer Experience: Financial Institution Preference and Usage Factors

Today's consumers confront a variety of banking options. Factors like personal trust, household income, and convenience all weigh, in different ways, on consumers' preferences between and among banks and credit unions. This report analyzes consumer survey data to better understand these usage factors and allows productive comparisons between institutions. The data...

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