The average net worth ratio of credit unions has increased substantially over the past twenty years. During this time period, there has been a little pressure by the National Credit Union Administration (NCUA) to increase this ratio. The average net worth ratio of credit unions has increased...

This study uses a variant of the structure-performance model, often used in banking studies, to examine the credit union industries in Idaho and Montana. This should be of interest since credit unions have recently been the fastest growing type of depository institution. The used vehicle loan...

Most previous studies of credit union growth used data from the 1990s. This study uses 2002-2004 data from mid-sized cities, in order to be more representative of distinct local markets. In addition, two new independent variables, used vehicle loans rates and loan-to-total asset ratios, were...

Historically, banks in the U.S. were the only depository institution that could offer checking deposits. They also tended to specialize in commercial lending, while thrifts (S&L's and mutual savings banks) tended to specialize in home mortgage lending and credit unions tended to specialize in...