Access to Credit Unions - Research

June 25, 2008
Marva Williams, Principal Investigator Sarah Duda and Tom Feltner, Co-Authors This report details the partnership process and lessons learned from a two-year technical assistance program designed to help community organizations partner with mainstream credit unions with the goal of enrolling new...
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May 24, 2007
Marva Williams This report summarizes an 18-month evaluation of the affordable payday loan alternative products offered by six community development credit unions. In addition to describing loan activity, the report identifies the financial and operational factors that account for the program's...
October 12, 2004
Marva Williams and Valjean McLenighan The purpose of this guide is to help community organizations enable their members to join a mainstream credit union and begin building modest assets. Many credit unions offer financial products and services tailored to the needs of low-income people, but...
March 9, 2004
Marva Williams Describes the regulatory and other industry trends that impact the penetration of lower-income markets by credit unions. The report recommends that the Community Reinvestment Act (CRA) be amended to include credit unions.
May 14, 2002
Marva Williams Describes historical impact of secondary capital investments on low-income credit unions. Includes detailed case studies of four credit unions that are recipients of secondary capital investments. Offers policy recommendations related to the effectiveness of this investment tool.
February 12, 2002
Katy Jacob, Malcolm Bush, and Daniel Immergluck This report examines the reality of credit unions' claim that they honor the mission stated in the Federal Credit Union Act to meet the savings and credit needs of "persons of modest means." The report also discusses why it is so important that...
November 10, 1998
Marva Williams Demonstrates how low-income credit unions (LICUs) have become a growing force in the world of financial institutions, using data collected from the National Credit Union Administration for the years 1990-1996. Highlights LICUs' successful financial management and crucial role in...
January 9, 1996
Kathryn Tholin (A Project by the Credit Union Foundation, Inc.) Documentation of the Vermont Development Credit Union's Affordable Mortgage Lending Program, a unique program which combines home purchase counseling with non-mortgage loan products to assist potential homebuyers become ready for a...