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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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Applying Risk-Based Capital Ratios to Credit Unions

In this study, Professor Harold Sollenberger and Kurt Schneckenburger examine risk-based capital – a capital measure that links risk and capital adequacy – and its application to credit unions. They propose a new way to approach the “C” in CAMEL and show that risk-based capital can make a valuable contribution...

Implementing a Private-Federal Deposit Insurance Partnership

In his first monograph, Implementing a Private-Federal Deposit Insurance Partnership, Professor Edward Kane examined the issue of “How to design a deposit insurance system that effectively monitors and polices risk-taking by credit unions and still allows them flexibility to expand and adapt to changing financial conditions.” In the second monograph,...

Evolutionary Development of Credit Unions

Professors Amburgey and Dacin’s study focuses on credit unions’ foundings, failures, and changes as the credit union movement is impacted by environmental forces. The researchers examine the role that government policy exerted on the ongoing evolution of credit unions and the financial ratios that increase the likelihood of a credit...

Credit Union Boards and Credit Union Effectiveness

Professor Jacob Hautaluoma and his co-investigators surveyed more than 2,400 credit union CEOs, directors, and staff members. Using organizational psychology theory and research techniques, they probed questions about credit union boards including: What board duties and activities are most important? How should boards conduct their business? Who should serve on...

Consumer Relationships with Financial Institutions

Professor Lepisto’s research is based on a panel of 2,450 consumers who were surveyed in 1991 and will be surveyed again every four years thereafter. His project’s combination of aging-related variables and consumer financial behavior scales will permit measurements of effects of aging on consumer financial behavior, “trigger points” in...

Building High Loan/Share Ratios: Challenges and Strategies

This monograph presents an historical perspective on credit unions’ lending and uses a survey of credit union CEOs to isolate those factors leading to a successful lending program. Burger and Kelly show that loan/share ratios have slipped from pre-1980 norms of 80 percent or more to below 60 percent in...

Personal Bankruptcy: Causes and Consequences

Professors Sullivan and Worden review the current body of knowledge about the nature and extent of personal bankruptcy, draw conclusions about its causes and consequences, and suggest directions for credit unions to follow in combating this growing problem. They show how the dramatic growth in personal bankruptcy is the result...

Evaluating the Performance of Credit Unions

Due to the cooperative, not-for-profit structure of credit unions, many commonly used performance measures-profitability, cost efficiency, etc.-are inappropriate for evaluating overall credit union performance. In this monograph, Professors Harold Fried and Knox Lovell develop a performance evaluation measure specifically tailored to the unique features of credit unions. It measures the...

Deposit Insurance Reform: A Plan for the Credit Union Movement

The horrendous losses experienced in the Savings and Loan debacle and the more recent revelations of losses facing the banks’ insurance fund have raised major questions about deposit insurance. Professor Edward Kane was asked to examine the issue of “How to design a deposit insurance system that effectively monitors and...

Field of Membership: An Evolving Concept

Burger and Dacin examine the evolution of the common bond and field of membership concepts within the credit union movement. It describes the origination of the concepts of common bond and field of membership in the early years of the credit union movement, the effect of the Federal Credit Union...

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