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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.

Lower Income Americans, Higher Cost Financial Services

Professor Caskey presents the results from a research project that examined the use of financial services by lower income U.S. households and reviewed the fees and operations of nondepository suppliers of financial services, such as check-cashing outlets, pawnshops, and rent-to-own businesses. The research used survey data to answer the following...

The Digital Revolution: Delivering Financial Services in the Future

Burger, Zellmer, and Robinson look at the implications of new information and communications technologies that have the potential to dramatically reshape how members and customers select and use financial institutions. The authors argue that credit unions need to embrace opportunities to serve their members through electronic delivery systems. They provide...

Prospective Changes in Payment Systems: Implications for Credit Unions

This monograph describes the U.S. payment system and identifies areas where it is changing. Four of the most important changes are (1) The expected turn-of-the century peak in check use, (2) The expansion of electronic payments from 23% today to over 50% of all noncash payments by 2010, (3) The...

The Effects of Member Income Levels on Credit Union Financial Performance

This monograph evaluates how member income levels affect a credit union’s financial performance. It does this in two ways: 1) by evaluating the financial performance of three credit unions that had been identified in earlier research as following a conscious policy of expanding service to low and moderate income households,...

How Organizational Values Affect Credit Union Performance

This monograph presents the results of research on the organizational values of credit unions. It shows which values credit unions rank highly and which receive little emphasis. In addition, the research investigates the degree to which values were shared among leaders within credit unions. This is an important issue because...

Board-CEO Relationships: Successes, Failures, and Remedies

In this monograph, the authors report research on Board-CEO relationships, using survey data from credit unions. The researchers developed a list of relationship behaviors and then evaluated and tested these relationship behaviors. Their analysis of the data identified elements of good relationships, barriers to good relationships, and ways to repair...

Field of Membership and Performance: Evidence from the State of Utah

Professor Ramon Johnson investigates the effects of open fields of membership in Utah by: (1) investigating the reasons why credit unions did or did not chose to expand their field of membership, (2) examining comparative financial data across credit unions with different degrees of expanded fields of membership, and (3)...

Discrimination in Lending: What Are the Issues?

This was the second in a continuing series of colloquiums designed to stimulate an informed dialogue between and among academic researchers and credit union practitioners. This monograph reports the proceedings of the sessions at the 1993 colloquium that was devoted to the issue of lending discrimination. The focus of the...

Marketing Credit Union Services: The Role of Perceived Value

This study examines important perceptions and motives that contribute to the relationship between a credit union and its members and discusses how credit unions can use these perceptions and motives to create stronger ties with their current membership and recruit new members. Professor Dacin uses the concept of “perceived value”...

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