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A strength of credit unions: employee productivity of credit unions versus banks in the U.S.?

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  • Klinedinst, Mark
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    Abstract

    Credit Unions have a number of advantages to offer customers relative to many banks and one of the reasons may be due to the way that their employees work. This paper will investigate whether employees at credit unions are more productive than bank employees. Theoretical arguments as to why this may be expected from a credit cooperative will be explored and then a look at the practice at the macro and micro levels will be explored. Data will be drawn from a sample from the Hurricane Katrina ravaged area gathered by the author through a questionnaire, interviews and available online sources. An analysis of national data on U.S. banks and credit unions from 1994-2006 complements this micro data set. The findings from the micro data set are confirmed in the national survey. Knowing the relative strengths of credit unions could help to develop new resources for credit union members and help keep a competitive advantage.

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    File URL: http://mpra.ub.uni-muenchen.de/26296/
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    Bibliographic Info

    Paper provided by University Library of Munich, Germany in its series MPRA Paper with number 26296.

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    Date of creation: 09 Aug 2008
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    Handle: RePEc:pra:mprapa:26296

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    Related research

    Keywords: credit unions; banks; cooperative; productivity; panel data;

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    1. Park, Kang H. & Weber, William L., 2006. "Profitability of Korean banks: Test of market structure versus efficient structure," Journal of Economics and Business, Elsevier, vol. 58(3), pages 222-239.
    2. Marvin B. Lieberman & Shigeru Asaba, 1997. "Inventory Reduction and Productivity Growth: A Comparison of Japanese and US Automotive Sectors," Managerial and Decision Economics, John Wiley & Sons, Ltd., vol. 18(2), pages 73-85.
    3. J. A. Hausman & W. E. Taylor, 1980. "Panel Data and Unobservable Individual Effects," Working papers 255, Massachusetts Institute of Technology (MIT), Department of Economics.
    4. Fried, Harold O. & Knox Lovell, C. A. & Eeckaut, Philippe Vanden, 1993. "Evaluating the performance of US credit unions," Journal of Banking & Finance, Elsevier, vol. 17(2-3), pages 251-265, April.
    5. White, Halbert, 1980. "A Heteroskedasticity-Consistent Covariance Matrix Estimator and a Direct Test for Heteroskedasticity," Econometrica, Econometric Society, vol. 48(4), pages 817-38, May.
    6. Hurlin, Christophe, 2006. "Network effects of the productivity of infrastructure in developing countries," Policy Research Working Paper Series 3808, The World Bank.
    7. Baltagi, Badi H & Khanti-Akom, Sophon, 1990. "On Efficient Estimation with Panel Data: An Empirical Comparison of Instrumental Variables Estimators," Journal of Applied Econometrics, John Wiley & Sons, Ltd., vol. 5(4), pages 401-06, Oct.-Dec..
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