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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.

Credit Unions’ Acquisitions of Banks and Thrifts

Credit Unions’ Acquisitions of Banks and Thrifts

Recently a large number of credit unions acquiring banks and have found this a timely strategy for increasing economies of scope and scale. This report examines this practice with interviews with acquiring credit unions' CEOs and a CAMEL analysis of the financial institutions prior to, and following acquisitions.  In association...

The Practitioners of Open-Book Management

The Practitioners of Open-Book Management

The final in a trio of reports, The Practitioners of Open-Book Management delivers insights gathered from a series of focus groups with credit union executives who have successfully applied methods of open-book mangement (OBM) within their credit unions. The report provides practical stories of how OBM is adapted to work within...

Confidence in Borrowing Spring 2018

Confidence in Borrowing Spring 2018

Filene's annual report on consumers' confidence in borrowing relies on recurring national surveys to measure consumers' attitudes about debt and borrowing. This latest survey indicates that consumer confidence remains relatively constant since the previous survey. However, this year's analysis reveals new patterns indicating that consumers take out certain types of...

The Practice of Open-Book Management in Credit Unions

The Practice of Open-Book Management in Credit Unions

Following on the heels of the just-released Filene report The Power of Engagement through Open-Book Management, this report explores the big picture of how open-book management is used in credit unions today. Filene conducted a survey of credit union CEOs and managers to assess the extent to which they were...

The Power of Engagement Through Open-Book Management

The Power of Engagement Through Open-Book Management

Based on three principles: transparency, trust and fair treatment, open-book management engages with employees and gets them to think and act like owners, creating a culture of employee ownership in credit unions. This research is the first of three reports from Filene’s Center for Organizational Entrepreneurship exploring the value and...

Knowledge Sharing: Findings from Two Pilots

Knowledge Sharing: Findings from Two Pilots

Good communication is hard to find. And communicating effectively within an organization is neccesary for success, but especially when organizations take on big challenges. Huggy Rao and two doctoral students from Stanford Graduate School of Business created a knowledge sharing platform specifically designed for credit unions. This report shares what...

fundaMENTAL: The Mind-Money Connection

fundaMENTAL: The Mind-Money Connection

Understanding why consumers make certain decisions is key to supporting and attracting credit union members. To this end, Filene hosted a colloquium titled: fundaMENTAL: The Mind-Money Connection, and we invited experts to share their thoughts about how people relate to finances and debt, and how they go about making rational...

Weighing the Risks of a Fintech Partnership

Weighing the Risks of a Fintech Partnership

As credit unions continue to upgrade and adopt new fintech options to stay competitive, during the process of partnering with vendors and fintech firms, occassionally credit unions experience frustrations or problems with their fintech partnership that might have been avoidable. From Filene's Center for Emerging Technology comes this new report...

Factors Contributing to Credit Union Asset Growth, 1979-2016

Factors Contributing to Credit Union Asset Growth, 1979-2016

In what is sure to be a landmark publication for credit unions, 35 years of NCUA data are leveraged to bring into view key drivers that positively correlate with higher rates of credit union asset growth. As the dynamics for growth vary depending on scale and resources available to credit...

Credit Union Regtech: Innovation and Expertise

Credit Union Regtech: Innovation and Expertise

What can be done to help ease the regulatory responsibilities for credit unions? And what emerging technology is available to help credit unions better manage these responsibilities? This paper introduces the fintech category of regtech, and the role and promise it holds for credit unions. The author then presents a...

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