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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! 

Relieve the Squeeze: The Sandwich Generation

Relieve the Squeeze: The Sandwich Generation

The sandwich generation consists of millions of working Americans who manage the financial demands of children, while also supporting their parents. They are financially "squeezed" between two generations. This research provides insights to help credit unions understand this population, and offers suggestions for the types of financial products and services...

Enhancing Savings Behaviors of Low- to Middle- Income Families

Enhancing Savings Behaviors of Low- to Middle- Income Families

Managing personal finances is challenging and complex. We all make a great many financial decisions every day, often without thinking deeply about them. But virtually every one of them represents a tradeoff of some kind. Of course, if we were purely rational beings, with infinite time to weigh and evaluate every decision we...

Designing Credit Union Culture for High Performance

Research has shown that "stronger" cultures are associated with better organizational performance in terms of measures like ROI, net income, sales growth, and cash flow. Strong cultures are those that are well defined and marked by positive behaviors.  In this Center of Excellence for Organizational Entrepreneurship report, Filene Research Fellow...

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...

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...