Document Type
Honors Project
First Advisor
Dr. Ralph Monaco
Second Advisor
Dr. Daniel Finseth
Degree Award Date
Spring 5-3-2025
Keywords
Credit unions, key performance indicators (KPIs), state, federal, differences, risk, productivity, financial
Disciplines
Business Analytics | Other Business
Abstract
For over 100 years, credit unions have served as financial cooperatives controlled by their members at both the state and federal levels. While member control remains a core principle, all credit unions are regularly assessed for safety and soundness, either by state or federal regulators, depending on their charters. This study presents a comparative analysis of credit union performance over the past 20 years, focusing on risk, financial performance, and productivity indicators. Using Key Performance Indicators (KPIs), it explores differences between state and federal-chartered credit unions. Drawing on National Credit Union Administration (NCUA) data from 2005, 2014, and 2024, the analysis identifies trends in metrics such as return on assets, loan growth, delinquency rates, and operational efficiency. Through data analysis and a review of academic studies, the research identifies differences and helps to illustrate how charter type is associated with distinct patterns in financial performance, risk, and operational behavior over time.
Recommended Citation
Gutierrez Palacios, Luis. A Comparative Study of State and Federally Regulated Credit Unions: Performance, Risk, and Productivity. 2025. Bridgewater College, Senior Honors Project.
Recommended Citation
Gutierrez Palacios, Luis. A Comparative Study of State and Federally Regulated Credit Unions: Performance, Risk, and Productivity. 2025. Bridgewater College, Senior Honors Project.