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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.

The Network Credit Union: A Modern Alternative to a Traditional Merger

The Network Credit Union: A Modern Alternative to a Traditional Merger

A network credit union can provide credit unions an alternative to the traditional merger option. The inspiration for this business model comes from a not-for-profit network hospital system based in Indiana. The NCUA Office of General Counsel deems the network credit union option currently permissible under the FCU Act, NCUA’s Charter...

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...

Member Effort Benchmarking: Measuring Ease of Use

Member Effort Benchmarking: Measuring Ease of Use

Service failures are not fun, but they are instructive. While it’s still important to track factors like member satisfaction and Net Promoter Score, Filene sought to test the value of using a member effort score. Three primary research questions guided our analysis: What does “good” member effort look like? Once we...

Digital Strategies: Creating Stronger Online Engagement

Digital Strategies: Creating Stronger Online Engagement

Let’s face it. When it comes to selecting a new financial product or service, the digital channel (and yes that includes your website, social media outlets, online reviews, the app store, etc.) is where most prospects and members will start their search, and likely make a decision. In fact, research...

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...

Game Changers: A Research Symposium

Game Changers: A Research Symposium

With the day-to-day swirl of year-to-year goals, bank competition, and interest rate worries to sort through, it can be challenging to learn about the big-picture unknowns that could have just as big an impact on your credit union. With this thought in mind, the Filene Research Institute and Credit Union...

Canadian Credit Unions: Different By Design

Canadian Credit Unions: Different By Design

Not long after the 2007–08 financial crisis, The Economist magazine ran a headline that read simply “Mutual Respect.” Drawing on the European penchant for describing things in ideological terms, the accompanying article noted how Europe’s cooperative banks had “put their more capitalist-minded brethren to shame during the downturn.” Later in...

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...

Gen Y vs Gen Z: Understanding Key Differences

Gen Y vs Gen Z: Understanding Key Differences

While engaging Gen Y has been a priority for credit unions in the last 10 years, it’s not too early to start thinking about capturing 'Gen Zers' as loyal members. Gen Z is made up of millions of Americans born in the mid 2000s to present day. Recognizing their importance...

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