In 1992 the Federal Reserve Bank of Boston conducted an analysis that examined the effects of race on mortgage lending in the Boston Metropolitan Statistical Area. Collecting data on all the possibly relevant information used in the lending process, they find when controlling for a subset of...

In this paper we use non-parametric envelopment methods to determine whether the demographic composition of the board of directors effects the efficiency in which credit unions offer loans and savings products to their members. We find strong evidence credit unions with boards where the majority...

Beginning in 2011, credit unions in the United States have been required to report in their quarterly call reports their holdings of private student loans. Since this time, private student loans have been the fastest growing loan product among credit unions. The empirical results here indicate...