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Free Research Reports

Welcome! We're so excited to have you check out some of our hottest research publications.  These reports offer a glimpse into the valuable reseach we have to offer you. Dig in! 

Risk Management’s New Tool: Corporate Social Responsibility

Risk Management’s New Tool: Corporate Social Responsibility

Cooperative governance. Member-centric decisions. Strong and authentic ties to their communities. All credit unions exhibit these and other facets of corporate social responsibility (CSR)—it is core to their DNA and their reason for being. Many credit unions now also proactively manage the CSR aspect of their business, in order to achieve greater impact, attract members and...

Assuring Member Financial Capability: A Shared Credit Union Approach

Assuring Member Financial Capability: A Shared Credit Union Approach

Credit unions have a basic, long-standing interest in helping their members become more financially capable. Within the financial industry, credit unions have a competitive advantage in their member service mission. They have long been innovators in financial capability. Credit unions of all sizes offer financial training in many forms: in-person...

It’s a Money Thing: Clever Financial Education Content Increases Engagement

It’s a Money Thing: Clever Financial Education Content Increases Engagement

Since the recession of 2008 many players have rushed to the financial literacy marketplace. In January 2010, President Obama created the President’s Advisory Council on Financial Capability and charged them with “assisting the American people in understanding financial matters and making informed financial decisions." Over 20 states now require that...

Financial Preferences and Attributes of Middle-Income Investors

Financial Preferences and Attributes of Middle-Income Investors

The American middle class has a profound market influence and encompasses a diverse spectrum of indi­viduals across a wide household income range. Members of these households generally range from “getting by” to living comfortably. More importantly, they are characterized by their aspirational lifestyles and seek home ownership, family stability, and...

Accessible Financial Services Incubator

Accessible Financial Services Incubator

According to the St. Louis Federal Reserve, there are now more than 20,000 payday lenders across the country—which tops even the ubiquitous McDonald’s storefront by roughly 40%. These alternative financial services providers offer short-term loans at interest rates that can top 400%. They appeal to desperate consumers with no access...

Rightsizing Big Data for Credit Unions

Rightsizing Big Data for Credit Unions

Do you think your credit union is data savvy? Or do you have a huge challenge ahead to become more data competent? Click on the assessment tool above to find out where you’re at and get some tips on how to be a more data-driven credit union. This report explores...

Reaching Minority Households: Learning from Minority Credit Unions

Reaching Minority Households: Learning from Minority Credit Unions

A recent FDIC survey of 40,998 households estimates that 34 million households in the United States are unbanked or underbanked. These challenges are especially difficult for many minority households. The FDIC survey found 54% of black and 46% of Hispanic households to be un- or underbanked, well above the national...

Enhancing Member Communications Throughout Mortgage Underwriting

Enhancing Member Communications Throughout Mortgage Underwriting

Increasingly, the presence of a mortgage is a key indicator of primary financial institution status for credit unions. NPS, when measured across a wide variety of credit unions, is lowest for members who have just completed a mortgage.  In 2013, a Filene i3 team built a rapid prototype to give...

Blueprints for Innovation: The Latest Concepts from Filene i3, 2015

Blueprints for Innovation: The Latest Concepts from Filene i3, 2015

Over the past eight months, teams of Filene i3 innovators have developed radical new solutions to address consumer and credit union challenges. Ballooning student loan debt. Financial security during stressful life events. Maximizing value from credit union conferences. And the list goes on. Teams of innovators in Filene’s i3 (Ideas Innovation, Implementation)...

Filene 25th Anniversary Book

Filene 25th Anniversary Book

We are thrilled to be celebrating our silver anniversary in 2014! In recognition of this milestone, we've reflected on 25 years of research, innovation, and impact, and compiled the highlights into the enclosed 25th Anniversary publication.  We hope you will enjoy a walk down memory lane with us and, perhaps,...

Survey of Co-operative Capital

Survey of Co-operative Capital

Capital underpins co-operatives. From financial institutions to fisheries, members come together to pool capital and do more together than they could alone. But the other side of the capital coin is that when co-operatives can’t get enough, because of either regulation or long-standing practice, they may get bogged down or fail to get off the...