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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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Strategic Opportunities in Serving Low to Moderate Income Individuals

This monograph examines the market opportunities available to credit unions who can offer cost-effective financial services to low-and-moderate-income people. The authors contend that this population is underserved by mainstream financial institutions. Large numbers of low-and-moderate-income individuals do not have checking accounts or savings accounts and do not fit into the...

Competition, Deregulation and the Fortunes of Credit Unions

Barron, West, and Hannan examine the competitive effect of commercial and savings banks, savings and loan associations, and money-market mutual funds on the credit union movement. They look at evidence of competition between credit unions and other financial institutions, changes in the last twenty to thirty years that have eroded...

Dynamics of Populations of Credit Unions

Hannan, West, and Barron investigate the development of credit unions over time, focusing on organizational processes that shaped and continue to determine the evolution of credit unions. They clarify how the potential for future development of the credit union movement is shaped by the past dynamics of American credit union...

Credit Union Service-Oriented Peer Groups

In their previous monograph, Evaluating the Performance of Credit Unions, Professors Harold Fried and Knox Lovell developed a performance evaluation measure specifically tailored to the unique features of credit unions. It measured the extent to which each credit union maximizes service provision to its members subject to resource availability in...

Financial Reporting by Credit Unions in the United States

This paper documents the accounting practices and the level of disclosure by U.S. credit unions. Such evidence will increase understanding of the role of financial reporting for credit unions and is important for evaluating the potential merits of additional regulation in this area. Professors Warfield and Henning examine whether current...

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...

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