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The Long-term Impact of the Credit U...

Reavis, Mark Ray.

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The Long-term Impact of the Credit Union Membership Access Act on Credit Union Industry Growth.

紀錄類型:	書目-電子資源 : Monograph/item
正題名/作者:	The Long-term Impact of the Credit Union Membership Access Act on Credit Union Industry Growth./
作者:	Reavis, Mark Ray.
面頁冊數:	130 p.
附註:	Source: Dissertation Abstracts International, Volume: 76-04(E), Section: A.
Contained By:	Dissertation Abstracts International76-04A(E).
標題:	Banking. -
電子資源:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3646378
ISBN:	9781321363760

The Long-term Impact of the Credit Union Membership Access Act on Credit Union Industry Growth.
Reavis, Mark Ray.

The Long-term Impact of the Credit Union Membership Access Act on Credit Union Industry Growth. - 130 p.

Source: Dissertation Abstracts International, Volume: 76-04(E), Section: A.

Thesis (Ph.D.)--Northcentral University, 2014.

Credit Unions were established in the United States in 1909 to meet the credit needs of consumers and also as a response to the market failure of commercial banks to meet consumers' credit needs. Credit unions are non-profit financial institutions. They are member-owned, elect volunteer directors from among their membership, and do not pay income taxes. A primary characteristic of credit unions is that they are not open to the general public. Credit unions must identify a common bond among its members and limit membership to that group. The United States credit union industry has grown significantly over the past 100 years. As of the end of 2012, there were 7,070 credit unions with $1.043 trillion in assets. Some scholars attribute recent industry growth to various sector factors and individual credit union characteristics while others argue that the Credit Union Membership Access Act of 1998, CUMAA, has been the cause of growth. CUMAA legalized the expansion of credit unions by allowing them to change their charter to increase membership. The problem addressed in this study was whether or not CUMMA has influenced growth in the CU industry since its passage in 1998. The study utilized secondary data in a quantitative, quasi-experimental, causal-comparative approach to explore the impact of CUMAA on the growth of the credit union industry. The study measured the growth of membership and deposits in credit unions that have converted their charter under CUMAA and compared that growth to credit unions that have not converted their charter and to the industry. The statistical tests produced mixed results. The effect size calculations found a Cohen's d of 0.26 for the effect size of charter change on deposit growth and an effect size of 0.46 on membership growth. In general, the study showed that CUMAA, through the legalization of charter change, was a factor that contributed to growth in membership and deposits in the credit union industry. But, the magnitude of the impact was only moderate. These findings were useful in resolving conflicts in existing research, informing industry insiders who may be considering strategy options for growth, and informing policymakers as they consider the impact of CUMAA or future legislation of the credit union industry.

ISBN: 9781321363760Subjects--Topical Terms:

1557594
Banking.

The Long-term Impact of the Credit Union Membership Access Act on Credit Union Industry Growth.
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