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Research Reports

Research is our middle name. Members of Filene receive immediate, unlimited access to 25 years of research with the goal of identifying what comes next for credit unions and financial consumers. Dig in! 

Not a member? Take a glimpse into the valuable research Filene has to offer.

Room to Grow: Credit Union Business Lending

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

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...

Technology at the Crossroads

Technology at the Crossroads

Real disruption is coming. Correction: It's already here. While this is an exciting time, it can also lead to anxiousness and anxiety for credit unions looking to stay relevant in the eyes of consumers.  Our friends at Design Concepts attended South by Southwest Interactive (SXSWi) earlier this year and gleaned valuable insights...

The Gender Gap: Troubling Financial Capability Findings among Women

The Gender Gap: Troubling Financial Capability Findings among Women

The tide is coming in. As women work, earn, save, spend, and invest, they are becoming a more powerful driver of the US economy. Fully 58% of women in America were working at the end of 2012, up from 44% in 1972 (US Department of Labor 2015). And one estimate puts private wealth...

Financial Capability among Highly Educated Hispanics

Financial Capability among Highly Educated Hispanics

 Hispanics are becoming influential players in the US economy. The purchasing power of Hispanics was $1.2 trillion in 2013 and is expected to rise to $1.5 trillion by 2015. The United States is now home to 52 million Hispanics; by 2050, this number is expected to grow to 133 million. US Hispanics, on average,...

Emerging Payments and Communities: Reimagining Trust and Mutual Finance

Emerging Payments and Communities: Reimagining Trust and Mutual Finance

 In 2004 Facebook was an anomaly. As one of the pioneers in social networking, it originally limited access to Harvard students, offered basic functionality, and served as a centralized directory that connected people across the university. While its core user group was exclusive, the message was clear: Facebook wanted to revolutionize the way...

Blue Ocean Lending for Credit Unions: Point of Sale Financing

Blue Ocean Lending for Credit Unions: Point of Sale Financing

This study presents research on the U.S. point of sale financing (POSF) marketplace. POSF is defined as providing financing at the point of sale for large consumer purchases. We estimate the annual potential market size of this market at $391 billion, or approximately 3.5% of annual consumer spending with health...

Helping Members Navigate College Costs

Helping Members Navigate College Costs

College signals success, at least for those who graduate. Holding a bachelor’s degree is one of the best determinants of higher lifetime earnings, and college graduates are almost uniformly positive about the value of their degree: 98% of those making six figures and up say their degree has paid off, and even 63% of...

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