This report evaluates which among 100+ factors could be reliably linked with asset growth across credit unions, and across asset sizes, during 1979-2016. Key factors include offering attractive interest rates, ROA, product breadth, and marketing. The report also explores the complex relationships among asset size, noninterest expenses per assets (costs), attractive interest rates, and growth.
... [Show full abstract] Finally, the report also reviews how the impacts of several factors vary across asset sizes (e.g., branching), others vary across business and interest rate cycles (noninterest expenses and attractive interest rates), and yet others have changed over time (ROA and members per assets).