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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...

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...

Credit Unions: Financial Sustainability and Scale

Credit Unions: Financial Sustainability and Scale

U.S. credit union system trends are clear and consistent: consolidation is steady, regulatory pressures are increasing, the largest credit unions perform better as a group than their smaller counterparts and the service demands of consumers and regulators continues to expand. During the last two decades credit union performance has begun to...

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...

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...

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...

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...