A comparison of bank and credit union growth around the financial crisis

IF 1.1 Q4 BUSINESS
Wenling Lu, Judith Swisher
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引用次数: 5

Abstract

The purpose of this research is to examine the growth rates of commercial banks and credit unions around the financial crisis and recovery. Credit unions are analyzed as a group and by field of membership. Specifically, this research analyzes the growth rates of assets, deposits, and loans.,This research employs univariate tests of differences to examine the median growth rates for commercial banks and credit unions. Unbalanced pool regressions analyze growth rates during the pre-crisis, crisis, and recovery periods, controlling for size, net charge-offs, and unemployment.,Univariate test results that control for size show that banks grow at faster rates than credit unions for most of the pre-crisis years. However, medium sized credit unions grow at faster rates for most of the crisis and recovery years. Results of unbalanced pool regressions suggest that, overall, credit unions grow at slower rates than do banks. However, during the crisis and recovery, credit union growth is significantly greater than that of banks, after controlling for net charge-offs, size, and unemployment. Credit union growth varies by field of membership type.,Although a large volume of research examines commercial bank performance around the financial crisis, only a few papers assess the performance of credit unions. And very few papers compare commercial banks and credit unions. This paper explores how the recent financial crisis influenced the growth of commercial banks and credit unions from 2005 to 2013.
金融危机期间银行和信用社增长的比较
本研究的目的是考察商业银行和信用合作社在金融危机和复苏期间的增长率。信用合作社作为一个群体和成员领域进行分析。具体来说,本研究分析了资产、存款和贷款的增长率。本研究采用单变量差异检验来检验商业银行和信用合作社的中位数增长率。不平衡池回归分析危机前、危机中和复苏期间的增长率,控制规模、净冲销和失业率。控制规模的单变量测试结果显示,在危机前的大部分时间里,银行的增长速度快于信用合作社。然而,中型信用社在危机和复苏的大部分时间里增长速度较快。不平衡资金池回归的结果表明,总体而言,信用合作社的增长速度低于银行。然而,在危机和复苏期间,在控制了净冲销、规模和失业率之后,信用社的增长明显大于银行。信用社的增长因会员类型的不同而不同。尽管大量的研究考察了金融危机前后商业银行的表现,但只有少数论文评估了信用合作社的表现。很少有论文比较商业银行和信用合作社。本文探讨了2005年至2013年金融危机对商业银行和信用合作社增长的影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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