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The Structure and Growth of the Credit Union Industry in the United states: Meeting Challenges of the Market

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  • Surendra K. Kaushik
  • Raymond H. Lopez

Abstract

. Credit Unions in the United States have grown significantly in recent years. This paper identifies and analyzes the unique characteristics of the credit union industry contributing to this growth. The consolidation of smaller institutions and product diversification among larger credit unions in the environment of financial deregulation in recent years has resulted in enhanced services for credit union members. The industry is expected to continue its growth in membership and assets relative to other depository intermediaries.

Suggested Citation

  • Surendra K. Kaushik & Raymond H. Lopez, 1994. "The Structure and Growth of the Credit Union Industry in the United states: Meeting Challenges of the Market," American Journal of Economics and Sociology, Wiley Blackwell, vol. 53(2), pages 219-243, April.
    • Handle: RePEc:bla:ajecsc:v:53:y:1994:i:2:p:219-243
    DOI: 10.1111/j.1536-7150.1994.tb02590.x
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    References listed on IDEAS

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    1. Peggy Brockschmidt, 1977. "Credit union growth in perspective," Economic Review, Federal Reserve Bank of Kansas City, vol. 62(Feb), pages 3-13.
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    Cited by:

    1. Christian Weller, 2010. "Have Differences in Credit Access Diminished in an Era of Financial Market Deregulation?," Review of Social Economy, Taylor & Francis Journals, vol. 68(1), pages 1-34.
    2. Ann-Marie Ward & Donal G. McKillop, 2005. "The Law of Proportionate Effect: The Growth of the UK Credit Union Movement at National and Regional Level," Journal of Business Finance & Accounting, Wiley Blackwell, vol. 32(9-10), pages 1827-1859.
    3. Ann‐Marie Ward & Donal G. McKillop, 2005. "The Law of Proportionate Effect: The Growth of the UK Credit Union Movement at National and Regional Level," Journal of Business Finance & Accounting, Wiley Blackwell, vol. 32(9‐10), pages 1827-1859, November.
    4. Surendra K. Kaushik & Raymond H. Lopez, 1996. "Profitability of Credit Unions, Commercial Banks and Savings Banks: A Comparative Analysis," The American Economist, Sage Publications, vol. 40(1), pages 66-78, March.
    5. Andrew Greinke, 2005. "Imposing Capital Controls on Credit Unions: An Analysis of Regulatory Intervention in Australia," Annals of Public and Cooperative Economics, Wiley Blackwell, vol. 76(3), pages 437-460, September.
    6. Nicholas Ryder, 2008. "Credit Union Legislative Frameworks in the United States of America and the United Kingdom – A Flexible Friend or a Step Towards the Dark Side?," Journal of Consumer Policy, Springer, vol. 31(2), pages 147-166, June.
    7. John Goddard & John O. S. Wilson, 2005. "US Credit Unions: An Empirical Investigation of Size, Age and Growth," Annals of Public and Cooperative Economics, Wiley Blackwell, vol. 76(3), pages 375-406, September.
    8. Christian E. Weller & Amy Helburn, 2009. "Public Policy Options to Build Wealth for America’s Middle Class," Working Papers wp210, Political Economy Research Institute, University of Massachusetts at Amherst.
    9. McKillop, Donal & French, Declan & Quinn, Barry & Sobiech, Anna L. & Wilson, John O.S., 2020. "Cooperative financial institutions: A review of the literature," International Review of Financial Analysis, Elsevier, vol. 71(C).
    10. Ellene Kebede & Curtis Jolly, 2001. "Effects of financial structure and instruments on income of low income credit unions," Applied Financial Economics, Taylor & Francis Journals, vol. 11(2), pages 231-236.

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