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Factors Determining Credit Union Loan Rates in Local Markets

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  • Joanne G. Tokle
  • Robert J. Tokle
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    Abstract

    This study uses a variant of the structure-performance model, often used in banking studies, to examine the credit union industries in Idaho and Montana. This should be of interest since credit unions have recently been the fastest growing type of depository institution. The used vehicle loan rate is the dependent variable. We found that credit union size, a proxy measure of economies of scale, and bank market share had negative and significant effects on loan rates. Credit union charge-offs, three-firm concentration ratios, higher salaries and a measure of credit union inefficiency led to significantly higher rates.

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    Bibliographic Info

    Article provided by New York State Economics Association (NYSEA) in its journal New York Economic Review.

    Volume (Year): 33 (2002)
    Issue (Month): 1 ()
    Pages: 52-60

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    Handle: RePEc:nye:nyervw:v:33:y:2002:i:1:p:52-60

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    1. Robert M. Feinberg, 2001. "The Competitive Role Of Credit Unions In Small Local Financial Services Markets," The Review of Economics and Statistics, MIT Press, vol. 83(3), pages 560-563, August.
    2. Emmons, William R. & Schmid, Frank A., 1998. "Credit unions and the common bond," CFS Working Paper Series 1999/01, Center for Financial Studies (CFS).
    3. Robert Feinberg, 2002. "Credit Unions: Fringe Suppliers or Cournot Competitors?," Review of Industrial Organization, Springer, vol. 20(2), pages 105-113, March.
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