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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! 

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Young Adults In The Military

Young Adults In The Military

Those serving in the armed forces play an honorable role in protecting their country.  Unfortunately the financial profiles of these men and women differ from everyday civilians'.  Young adults in the U.S. military face unique financial challenges and are primed for credit union assistance. In this infographic we explore the...

Financial Soundness of Canadian Credit Unions

Financial Soundness of Canadian Credit Unions

This study challenges an emerging narrative in Canada that credit unions might pose a risk to financial stability because they are not overseen by Canada’s federal regulator, which, rightly or wrongly, has been credited with helping keep large Canadian banks out of trouble. The study does so by assembling simple,...

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...

Risk Management’s New Tool: Corporate Social Responsibility

Risk Management’s New Tool: Corporate Social Responsibility

Cooperative governance. Member-centric decisions. Strong and authentic ties to their communities. All credit unions exhibit these and other facets of corporate social responsibility (CSR)—it is core to their DNA and their reason for being. Many credit unions now also proactively manage the CSR aspect of their business, in order to achieve greater impact, attract members and...

Assuring Member Financial Capability: A Shared Credit Union Approach

Assuring Member Financial Capability: A Shared Credit Union Approach

Credit unions have a basic, long-standing interest in helping their members become more financially capable. Within the financial industry, credit unions have a competitive advantage in their member service mission. They have long been innovators in financial capability. Credit unions of all sizes offer financial training in many forms: in-person...

Katrina 10 Years After: Lessons from Credit Unions and Banks

Katrina 10 Years After: Lessons from Credit Unions and Banks

Credit unions experienced costly downtime immediately following Hurricane Katrina.  But how much? Using institutional data and interviews from organizations impacted by Katrina, we compare return on assets (ROA), return on equity (ROE), growth, and membership performance results for credit unions in the aftermath of the storm. Looking at the performance...

The Usefulness of Effective Credit Union Stress Testing

The Usefulness of Effective Credit Union Stress Testing

In the broadest sense, stress testing is a tool to quantify the impacts that severe but plausible shocks could have on the integrity of a structure or system. Stress testing has a variety of practical applications. To a doctor, it can involve having a patient walk or run on a...

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...

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