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Credit union mergers: efficiencies and benefits

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  • James A. Wilcox
  • Luis G. Dopico

Abstract

Mergers tend to improve credit union cost efficiency. When the acquirer is much larger than the target credit union, target members benefit in terms of lower loan rates and higher deposit rates, while acquirer members see little change. When merger partners are more equal in size, these benefits are shared more evenly. Over time, credit union mergers have shifted from, on average, only benefiting targets to also benefiting acquirers to some extent.

Suggested Citation

  • James A. Wilcox & Luis G. Dopico, 2011. "Credit union mergers: efficiencies and benefits," FRBSF Economic Letter, Federal Reserve Bank of San Francisco, issue sep12.
  • Handle: RePEc:fip:fedfel:y:2011:i:sep12:n:2011-28
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    References listed on IDEAS

    as
    1. Berger, Allen N. & Saunders, Anthony & Scalise, Joseph M. & Udell, Gregory F., 1998. "The effects of bank mergers and acquisitions on small business lending," Journal of Financial Economics, Elsevier, vol. 50(2), pages 187-229, November.
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    Keywords

    Credit unions;

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