{"title":"将信用社存款分配给信用社分支机构","authors":"A. Chatterji, Jiao Luo, Robert C. Seamans","doi":"10.2139/ssrn.3558882","DOIUrl":null,"url":null,"abstract":"We describe a method to allocate U.S. credit union deposits to the credit union branch level. Credit union deposit data is only available at the aggregate firm level. Our method takes advantage of FFIEC Home Mortgage Disclosure Act (HMDA) to identify loans at the credit union branch level. We show that credit union deposits at the branch level are highly correlated with credit union loans at the branch level for 2010-2012. We then allocate aggregate firm level credit union deposits to the credit union branch level based on the proportion of total loan portfolio at each branch for 2004-2012.","PeriodicalId":421837,"journal":{"name":"Diffusion of Innovation eJournal","volume":"19 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2020-03-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Assigning Credit Union Deposits to Credit Union Branches\",\"authors\":\"A. Chatterji, Jiao Luo, Robert C. Seamans\",\"doi\":\"10.2139/ssrn.3558882\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"We describe a method to allocate U.S. credit union deposits to the credit union branch level. Credit union deposit data is only available at the aggregate firm level. Our method takes advantage of FFIEC Home Mortgage Disclosure Act (HMDA) to identify loans at the credit union branch level. We show that credit union deposits at the branch level are highly correlated with credit union loans at the branch level for 2010-2012. We then allocate aggregate firm level credit union deposits to the credit union branch level based on the proportion of total loan portfolio at each branch for 2004-2012.\",\"PeriodicalId\":421837,\"journal\":{\"name\":\"Diffusion of Innovation eJournal\",\"volume\":\"19 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2020-03-22\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Diffusion of Innovation eJournal\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.2139/ssrn.3558882\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Diffusion of Innovation eJournal","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.2139/ssrn.3558882","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
Assigning Credit Union Deposits to Credit Union Branches
We describe a method to allocate U.S. credit union deposits to the credit union branch level. Credit union deposit data is only available at the aggregate firm level. Our method takes advantage of FFIEC Home Mortgage Disclosure Act (HMDA) to identify loans at the credit union branch level. We show that credit union deposits at the branch level are highly correlated with credit union loans at the branch level for 2010-2012. We then allocate aggregate firm level credit union deposits to the credit union branch level based on the proportion of total loan portfolio at each branch for 2004-2012.
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