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...

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...

There are two basic theoretical views of how advertising affects competition. One school of thought suggests that advertising decreases competition. Kaldor (1950) argued that through economies of scale in advertising, advertising increases market concentration. Also, Bain (1956) suggested that...