CUNA Research Reports
Industry Research
- From Cashing Checks to Building Assets: A Case Study of the Check Cashing/Credit Union Hybrid Service Model
January 2013 - Pathways to the Middle Class: Balancing Personal and Public Responsibilities
September 2012 - Insights from the Boardroom 2012
September 2012 - The Lost Decade of the Middle Class: Fewer, Poorer, Gloomier
August 2012 - Private Student Loans
July 2012 - Making executive pay work: The psychology of incentives
July 2012 - Nightmare on Main Street: Older Americans and the Mortgage Market Crisis
July 2012 - Best Practices for Engaging Messaging: Six Surefire Strategies to Keep Your Facebook Fans Coming Back for More
July 2012 - more...
CU Snapshot
| Mar '13 | Feb '13 | |
| # of CUs | 7,009 | 7,048 |
| Members (millions) | 96.7 | 96.4 |
| Total Assets ($ billions) | 1,080.4 | 1,062.5 |
| Total Savings ($ billions) | 931.1 | 914.6 |
| Net Cap. /Assets | 10.2% | 10.4% |
| Loans to Savings | 66.3% | 67.3% |
| Loan Delinq. | 1.0% | 1.1% |
E-Scan Newsletter
- Mobile RDC Will Be Consumers’ Choice
- Cost Cutting Isn’t Only for Crises
- Manage Risk by Managing Policies
- ‘Premortems’ Identify Potential Pitfalls
- Find the Balance Between Fees and Service
April 2013—This issue contains:
- Bankers Are Bringing Back Tax Bunkum
- Tablets Are Becoming a Top Choice
- Payday Loans Hit Most Borrowers Hard
- Engage Members for Profitable Growth
March 2013—This issue contains:
- Digital Age is Transforming Leadership Skills
- The ‘Hollowing Out’ of the Middle Class
- Does CU Tech Spending Make the Grade?
- Reaching Gen Y Goes Beyond Tweets
February 2013—This issue contains:
- ‘Simple’ Analyzes Consumers’ Spending
- Bitcoins in Your Vault?
- Imitation Can Be a Winning Strategy
- HR Is Steadily Adopting Mobile Apps
- Review Senior Executive Compensation
January 2013—This issue contains:
- CUs Set Mortgage Lending Record Early estimates have CUs originating $113 billion in first mortgages in 2012, up 35% over 2011.
- Expect More Turnover as Economy Improves
December 2012—This issue contains:
- CFOs Have Expanded Role in IT Spending
- Are Women Too Cautious with Careers?
- Don’t Build Your Brand on Price
- Reach Latino Immigrant Entrepreneurs
- Refine Financial Forecasting Practices
- When You Need to Hire Strategically
- CUs Vie With Banks in Social Media
- CUs Offering More Health-Care Options
November 2012—This issue contains:
- Collectors Going After Student Loans
- Senior Execs Help Create CU Identity
- More CEOs Overseeing Risk Management
- Rules of Email Marketing are changing
- Bad Bosses Are Toxic to Organizations
- Innovators Are Made, Not Born
- Most Data Sets Have Grown Too Large
- Controlling Health-Care Benefits Costs
October 2012—This issue contains:
- Operating Ratios Shift Toward ‘Normal'
- Reach Underserved with Technology
- Look to the Future of the Branch
- Don’t Neglect Nonbranch Channels
- The Bar Is Rising on Social Media
- Align Salaries with Industry Standards
September 2012—This issue contains:
- Bolster Member Service with Security
- The Business of Co-op Management
- Avoid Digital Marketing Mistakes
- Prepare Employees to Embrace Change
- Slow Down to Sustain Performance
- Contrary to Predictions, Boomers Retire
- Youth, Minorities Are Key Mobile Users
August 2012—This issue contains:
- Strategies for Retaining Top Talent
- Banks Struggle with Customer Service
- College Dropouts Boost Delinquency
- Many Checking Accounts Still Risky
- Clues Your Training Project Might Fail
- Prepare for Critical Incidents
- Households Face Economic Insecurity
July 2012—This issue contains:
- CU Loan Growth Could Stall This Year
- Time for Post-Recession Growth Plans
- Video ATMs Raise the Self-Service Bar
- The Future of Financial Services
- Salaries, Wages See Moderate Growth
June 2012—This issue contains:
- Student Loan Debt Keeps Mounting
- How Do Hispanics Identify Themselves?
- Reaching Youth Demands Innovation
- Self-Service Hinges on IT Investments
- Strategic Thinkers Are Made, Not Born
- Demographics of Economic Recovery
- Is ‘Free Checking’ Covering Its Costs?
- Post-Recession Mortgage Fraud Rises
- Close the Mobile Services Delivery Gap
- Better Listening Breeds Better Leaders
- Help Employees Assess Retirement Plans
- Watch for the Arrival of MovenBank
- Challenges Ahead for CU Hiring
April 2012—This issue contains:
- MBL Reform Will Help Members, Economy
- Consumers Frustrated with ATM Fees
- Consider ‘Fit’ When Hiring Senior Execs
- Core Processor Upgrade Drives Growth
- Employers Skimp on Financial Education
- Acquaint New Members with Online Services
March 2012—This issue contains:
- Online Account Opening Often Fails
- CU’s Pop-Up Survey Increases Debit Use
- ‘Invisible’ Resources Meet Challenges
- Find Common Ground for CFO and HR
- CEOs Adopt ‘Small Bet’ Growth Strategy
- Goodbye Mag Stripe; Hello Chip
- Digital Delivery Forces Branch Evolution
February 2012—This issue contains:
- Is Your CU Prepared to Seize the Day?
- Banks Scramble to Reassure Customers
- One Call Can Boost Onboarding Quality
- Housing, Credit Face a Long Recovery
- Want Change? Start in the Middle
- Tailored Benefits Deliver Perks
- Base Incentives on Earnings and Growth
January 2012—This issue contains:
- Loan Portfolio Performance in 2012
- Review Your ATM Network Strategy
- Reach Homeowners, Curb Delinquency
- It’s Time to Broaden Marketing Roles
- Analytics Augment Workforce Strategies
- CUs Face Onboarding & Awareness Issues
December 2011—This issue contains:
- Rethink Home Equity Pricing for 2012
- Could Co-ops Occupy Wall Street?
- Technology Drives Tomorrow’s CU
- Cyber Attacks Becoming More Frequent
- Mobile Delivery Serves the Underserved
- Is a Core Conversion Inevitable?
- Consumers Continue to Attack Debt
- CUs Beat Banks Again
November 2011— This issue contains:
- Unbanked Represent $169 Billion Market
- Superb Service Builds Member Loyalty
- Trust in Financial Institutions Lacking
- Scrutinize Mortgage POS Technology
- Compliance and IT Work Best as Partners
- Improve Your Performance Appraisals
- Turnover Influences Member Service
October 2011— This issue contains:
- Don't Despair, the Sky Isn't Falling
- Smartphones Surge but Are Apps Secure?
- Add Strategic Thinking to Skill Sets
- Make Marketing Mobile
- Review Senior Executive Compensation
September 2011— This issue contains:
- Leaders Thrive Despite Uncertainty
- Support Systems Help Build Careers
- Be Agile, Make Cuts Selectively
- College Debt Soars, Defaults Rise
- Wal-Mart Moves to Interactive Kiosks
- Mobile Offerings Demand Support
- Education Offers Lending Opportunities
August 2011 — This issue contains:
- The Post-Recession Consumer Mindset
- Opportunities in a Lingering Recession
- Give Bank Customers Reasons to Switch
- Prepaid Cards Could Boost Revenue
- Face-Off: Apps vs. Mobile Browsers
- Workers Getting Real About Retirement
- Top Execs Can Be Tough to Replace
July 2011 — This issue contains:
- Forecasts Inch Closer to "Normal"
- Consumers Seem Ready for Mobile RDC
- The Paradox: Grow More, Spend Less
- Abusive Practices Drive Up Loan Rates
- Back-Office Fraud Rises with Recession
- Online, Mobile Services Will Drive Growth
June 2011 — This issue contains:
- Mortgage Technology Moves to Mobile
- The Path to Internet Profitability
- Boomers Need Post-Recession Help
- Look Beyond Student Loan Default Rates
- Guidelines for Background Checks
- Integrity Seen as Top Leadership Trait
- What Consumers Want From Their PFIs
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