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Bank competition and concentration: do credit unions matter? Author info | Abstract | Publisher info | Download info | Related research | Statistics William R. Emmons
Frank A. Schmid
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One interesting 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, William R. Emmons and Frank A. Schmid 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.
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Article provided by Federal Reserve Bank of St. Louis in its journal Review .
Volume (Year): (2000)
Issue (Month): May ()
Pages: 29-42
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Handle: RePEc:fip:fedlrv:y:2000:i:may:p:29-42:n:v.82no.3Contact details of provider: Postal: P.O. Box 442, St. Louis, MO 63166 Fax: (314)444-8753 Web page: http://www.stlouisfed.org/ More information through EDIRC
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Keywords: Credit unions Bank competition Bank management Other versions of this item:
References listed on IDEAS Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile , click on "citations" and make appropriate adjustments.: Shaffer, Sherrill, 1989.
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Economics Letters ,
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[Downloadable!] (restricted)
Myron L. Kwast & Martha Starr-McCluer & John D. Wolken, 1997.
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The Quarterly Journal of Economics ,
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Other versions: Gilbert, R Alton, 1984.
"Bank Market Structure and Competition: A Survey ,"
Journal of Money, Credit and Banking ,
Blackwell Publishing, vol. 16(4), pages 617-44, November.
[Downloadable!] (restricted)
William R. Emmons & Frank A. Schmid, 1999.
"Wages and risk-taking in occupational credit unions: theory and evidence ,"
Review ,
Federal Reserve Bank of St. Louis, issue Mar, pages 13-32.
[Downloadable!]
Amel, Dean F. & Hannan, Timothy H., 1999.
"Establishing banking market definitions through estimation of residual deposit supply equations ,"
Journal of Banking & Finance ,
Elsevier, vol. 23(11), pages 1667-1690, November.
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Prager, Robin A & Hannan, Timothy H, 1998.
"Do Substantial Horizontal Mergers Generate Significant Price Effects? Evidence from the Banking Industry ,"
Journal of Industrial Economics ,
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Full
references Cited by : (explanations , Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile , click on "citations" and make appropriate adjustments.)
Michiel van Leuvensteijn & Jacob Bikker & Adrian van Rixtel & Christoffer Kok-Sorensen, 2007.
"A new approach to measuring competition in the loan markets of the euro area ,"
DNB Working Papers
143, Netherlands Central Bank, Research Department.
[Downloadable!]
Other versions:
Michiel van Leuvensteijn & Jacob A. Bikker & Adrian A.R.J.M. van Rixtel & Christoffer Kok-Sørensen, 2007.
"A new approach to measuring competition in the loan markets of the euro area ,"
CPB Discussion Papers
84, CPB Netherlands Bureau for Economic Policy Analysis.
[Downloadable!] Michiel van Leuvensteijn & Jacob A. Bikker & Adrian van Rixtel & Christoffer Kok-Sørensen, 2007.
"A new approach to measuring competition in the loan markets of the euro area ,"
Banco de España Working Papers
0736, Banco de España.
[Downloadable!] Michiel van Leuvensteijn & Jacob A. Bikker & Adrian A.R.J.M. van Rixtel & Christoffer Kok-Sørensen∗, 2007.
"A new approach to measuring competition in the loan markets of the euro area ,"
CEI Working Paper Series
2007-6, Center for Economic Institutions, Institute of Economic Research, Hitotsubashi University.
[Downloadable!] Michiel van Leuvensteijn & Jacob A. Bikker & Adrian A.R.J.M. van Rixtel & Christoffer Kok Sørensen, 2007.
"A new approach to measuring competition in the loan markets of the euro area ,"
Working Paper Series
768, European Central Bank.
[Downloadable!] William R. Emmons & Frank A. Schmid, 2004.
"When for-profits and not-for-profits compete: theory and empirical evidence from retail banking ,"
Supervisory Policy Analysis Working Papers
2004-01, Federal Reserve Bank of St. Louis.
[Downloadable!]
Other versions: Tatom, John, 2005.
"Competitive advantage: a study of the federal tax exemption for credit unions ,"
MPRA Paper
4398, University Library of Munich, Germany.
[Downloadable!]
Robert M. Feinberg & A.F.M. Ataur Rahman, 2006.
"Are Credit Unions Just Small Banks? Determinants of Loan Rates in Local Consumer Lending Markets ,"
Eastern Economic Journal ,
Palgrave Macmillan Journals, vol. 32(4), pages 647-659, Fall.
[Downloadable!] (restricted)
Robert M. Feinberg & A.F.M. Ataur Rahman, 2006.
"Are Credit Unions Just Small Banks? Determinants of Loan Rates in Local Consumer Lending Markets ,"
Eastern Economic Journal ,
Eastern Economic Association, vol. 32(4), pages 647-659, Fall.
[Downloadable!]
Christian E. Weller, 2007.
"Have Differences in Credit Access Diminished in an Era of Financial Market Deregulation? ,"
Working Papers
wp144, Political Economy Research Institute, University of Massachusetts at Amherst.
[Downloadable!]
Michael A. Kouparitsas, 2005.
"Is there evidence of the new economy in U.S. GDP data? ,"
Economic Perspectives ,
Federal Reserve Bank of Chicago, issue Q I, pages 12-29.
[Downloadable!]
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