Bank Competition and Concentrations: The Impact of Credit Unions

Principal Investigator(s): Emmons, William R., Federal Reserve Bank of St. Louis; Schmid, Frank A., Federal Reserve Bank of St. Louis

Summary: One aspect of the financial services industry is that for-profit institutions, such as commercial banks, compete directly with not-for-profit financial intermediaries, such as credit unions. In this article, the authors analyze the competition between banks and credit unions. Using annual county-level data on banking-market concentration and household participation rates at occupational credit unions for the period between 1989 and 1996, the authors find empirical evidence of two-way comp... (more info)

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Emmons, William R., and Frank A. Schmid. Bank Competition and Concentrations: The Impact of Credit Unions. ICPSR01224-v1. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2000-08-28. doi:10.3886/ICPSR01224.v1

Persistent URL: http://dx.doi.org/10.3886/ICPSR01224.v1

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Summary: One aspect of the financial services industry is that for-profit institutions, such as commercial banks, compete directly with not-for-profit financial intermediaries, such as credit unions. In this article, the authors analyze the competition between banks and credit unions. Using annual county-level data on banking-market concentration and household participation rates at occupational credit unions for the period between 1989 and 1996, the authors find empirical evidence of two-way competitive interactions between banks and credit unions.

Subject Terms: banks, credit unions, finance, financial institutions, financial management

Geographic Coverage: United States

Data Collection Notes:

(1) The files submitted are 0005wed.zip and 0005wed.exe, which contain the data files, and 0005wep.zip and 0005wep.exe, which contain the program files. (2) These data are part of ICPSR's Publication-Related Archive and are distributed exactly as they arrived from the data depositor. ICPSR has not checked or processed this material. Users should consult the investigator(s) if further information is desired.

Original ICPSR Release: 2000-08-28

2000

Emmons, William R., Schmid, Frank A. Bank competition and concentrations: Do credit unions matter?. Federal Reserve Bank of St. Louis Review. 82, (3), 29-42.

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