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Research Reports
Indepth analysis of persistant problems in the field of community development. Woodstock's research reports contribute to the body of knowledge used by policymakers and community development practitioners.

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Rhetoric and Reality: An Analysis of Mainstream Credit Unions' Record of Serving Low-Income People
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 credit unions fulfill this statutory responsibility and how they might do so more effectively in the future.
Reinvestment Alert 16: Affordable Alternatives to Payday Loans: Examples from Community Development
May 08, 2001
Marva Williams and Kathryn Smolik
Reinvestment Alert 22: Where Banks Aren't
June 10, 2003
Geoff Smith

Reinvestment Alert 22: Where Banks Aren't: Despite Growth in Chicago Area Bank Offices, Low-Income and Minority Communities Remain Underrepresented.
Reinvestment Alert #1: Patterns of FHA Lending in Chicago
May 11, 1993

Credit to the Community: The Role of CDCUs in Community Development
September 09, 1997
Marva Williams

Analyzes the diverse impacts and contributions of eight community development credit unions (CDCUs) in different economic, institutional, geographic, and demographic settings. It is designed to help CDCUs develop and implement new community development programs and form collaborations with community organizations, intermediaries, trade associations, and banks.
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