Results 201 to 210 of about 30,234 (253)
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ON ECONOMIES OF SCALE IN CREDIT UNIONS
The Journal of Finance, 1978this Benston-Bell-Murphy approach to analyzing costs, a financial institution is viewed as a series of physical production processes. Cost functions, in this approach, are derived from a Cobb-Douglas production function; costs are not related directly to the financial characteristics of the institution.
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Why Choose a Credit Union? Determinants of Credit Union Deposits
SSRN Electronic Journal, 2010This study examines the impact of credit union risk characteristics and macroeconomic events on deposits. Looking at a sample of credit unions from 2004-2008 we find that credit union depositors do not consistently punish credit union by deposit withdrawal for risky behavior. Furthermore, we find that credit union deposits increase in times of economic
Andreas Rauterkus +1 more
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Financial Markets, Institutions & Instruments, 2017
AbstractCredit union decisions on how funds are raised and invested and what services to provide are guided by their business models and should be reflected by credit union financial statements. We use cluster analysis to group credit unions using common size financial statement variables such that the financial statements are similar within credit ...
David L. Stowe, John D. Stowe
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AbstractCredit union decisions on how funds are raised and invested and what services to provide are guided by their business models and should be reflected by credit union financial statements. We use cluster analysis to group credit unions using common size financial statement variables such that the financial statements are similar within credit ...
David L. Stowe, John D. Stowe
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An Economic Theory of a Credit Union
The Journal of Finance, 1981THE majority of research to date on CUs has been empirical (cf. Cargill [1] and Kidwell and Peterson [7]), yet there is serious need to develop a theoretical framework of CU behavior that incorporates their unique characteristics. A CU is essentially a financial intermediation cooperative.
Smith, Donald J +2 more
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Industrial and Commercial Training, 1977
There is talk of legislation on credit unions in the next session of Parliament. This article looks at the history and philosophy of credit unions; in a future issue we hope to have an article about the Pitney‐Bowes credit union — the first employees' credit union in this country.
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There is talk of legislation on credit unions in the next session of Parliament. This article looks at the history and philosophy of credit unions; in a future issue we hope to have an article about the Pitney‐Bowes credit union — the first employees' credit union in this country.
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Effects of Credit Union Service Organizations on Credit Union Performance
Journal of Finance Issues, 2016This study examines the effects of credit union service organizations (CUSOs) on credit union performance for the period 2009 through 2014. I use random effects models with Mundlak (1978) correction to estimate the relationships between CUSOs and credit union performance variables.
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Credit Unions and Credit Cooperatives
2023Olufemi Sallyanne Decker, Lili Yan
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Journal of Regulatory Economics, 2014
The structure of the credit union industry has been transformed by regulatory changes and the subsequent switch by many credit unions to community and multiple-bond fields of membership. This study explores the impact of these trends by testing for differences in risk across credit unions with different field-of-membership types.
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The structure of the credit union industry has been transformed by regulatory changes and the subsequent switch by many credit unions to community and multiple-bond fields of membership. This study explores the impact of these trends by testing for differences in risk across credit unions with different field-of-membership types.
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2016
The aim of credit unions and co-operative banks is collocating member deposits to allocate them as loans, so that capital could circulate among members. Market share of credit unions in Estonia is marginal at the moment (ca. 0.2 % of overall banking market).
Andro Roos, John Õun
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The aim of credit unions and co-operative banks is collocating member deposits to allocate them as loans, so that capital could circulate among members. Market share of credit unions in Estonia is marginal at the moment (ca. 0.2 % of overall banking market).
Andro Roos, John Õun
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Credit Unions and Demutualisation
Managerial Finance, 2005This paper reviews experience with credit union demutualisation to date in the light of increasing discussion about whether demutualisation is a likely (or inevitable) future stage in the evolutionary process. It is argued that the credit union industry faces an inherent demutualisation bias which emerges as the sector develops maturity.
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