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Risk Management Techniques Employed Within The U.S. Credit Union Industry

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Listed:
  • Alan K. Reichert
  • Jack H. Rubens

Abstract

This paper reports the findings of a national survey regarding the financial management practices of United States credit unions. The US credit union industry is clearly in a period of transition. The study indicates that the way in which credit unions approach financial management may have a decided impact on how successful the industry adjusts to deregulated marketplaces. The research highlights the importance of managed growth through selective product diversification, identification of profitable market niches, and the use of modern risk management techniques.

Suggested Citation

  • Alan K. Reichert & Jack H. Rubens, 1994. "Risk Management Techniques Employed Within The U.S. Credit Union Industry," Journal of Business Finance & Accounting, Wiley Blackwell, vol. 21(1), pages 15-35, January.
    • Handle: RePEc:bla:jbfnac:v:21:y:1994:i:1:p:15-35
    DOI: 10.1111/j.1468-5957.1994.tb00303.x
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    References listed on IDEAS

    as
    1. Keating, Barry & Keating, Maryann, 1975. "A managerial discretion theory of the nonprofit firm: An economic model of a credit union," Journal of Business Research, Elsevier, vol. 3(4), pages 345-354, October.
    2. Kim, H Youn, 1986. "Economies of Scale and Economies of Scope in Multiproduct Financial Institutions: Further Evidence from Credit Unions: A Note," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 18(2), pages 220-226, May.
    3. Berger, Allen N. & Hanweck, Gerald A. & Humphrey, David B., 1987. "Competitive viability in banking : Scale, scope, and product mix economies," Journal of Monetary Economics, Elsevier, vol. 20(3), pages 501-520, December.
    4. Koot, Ronald S, 1978. "On Economies of Scale in Credit Unions," Journal of Finance, American Finance Association, vol. 33(4), pages 1087-1094, September.
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