Credit Unions:
Generating Revenues Beyond Net Interest Income through their Private Banking, Wealth Management & Trust, Investment Management, & Bank Brokerage Businesses

Recently Released!!!
Date Published: August 7, 2015
Summary PPT Deck: 62 Slides
Reference PPT Deck: 943 Slides


The purpose of this research is to provide readers with an understanding of credit unions, with a specific emphasis on their continuing effort to generate revenues beyond net interest income through their private banking, wealth management & trust, investment management, & bank brokerage businesses. The research addresses the evolution of the retail banking industry, key service providers to credit unions, & future predictions for the retail banking industry.

This research addresses the six historical phases of credit unions, including: 
  • Emergence Phase
  • Great Depression Phase
  • Historically Dominant Phase
  • Full-Service & Discount Brokers Emergence Phase
  • Market Slowdown Phase
  • Consolidation & Concentration Phase

    This research defines three distinct markets segments, including:

    • Military-Based Credit Unions
    • Employer-Based Credit Unions
    • Other Credit Unions

This research outlines three key service providers to credit unions, including:

  • Technology Companies
  • Custodians, Clearing Brokers, & Independent Broker/Dealers
  • Mutual Fund Companies & Other Investment Product Companies

And this research makes the following future predictions for the credit unions industry, including: 

  • Declining Number of Retail Banks, Industry Consolidations, & Increasing Concentration Amongst Leading Retail Banks
  • Increased Regulatory Scrutiny & Increased Capital Requirements
  • Emergence of Shadow Banks
  • Streamlining Massive Infrastructures, Refining Branch Structures, & Alternative Forms of Distribution
  • The Evolution of the Core Deposits & Loans Businesses
  • Growing Importance of Generating Revenues Beyond Net Interest Income
  • Growing Importance of Marketing, Advertising, & Branding and Targeting New Customers & Segments
  • Growing Interest in Emerging Asian & Latin American Markets

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