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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

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...

The Embedded Credit Union Model for Low-Income Teens

A systemic problem in many low-income, urban communities is the lack of accessible financial services. Low-income teenagers-in particular-are living in financial service deserts. Not only are there very few banks and/or credit unions in low-income communities, financial alternatives such as payday loan and check-cashing centers are thriving. This research explores the...

Jump-Starting Performance Improvement: A Case Study from Elevations Credit Union

A sustainable credit union seals operational gaps and streamlines service to members. After all, members are the most important factor in this equation. A consistent process improvement program helps achieve this ideal state of exemplary member loyalty, financial growth, and operational efficiency that so many organizations long for.  This report...

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Research Council

The Filene Research Council is a distinguished group of credit union executives who individually and collectively play integral roles in the continued advancement of the credit union movement.

Featured Publication

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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