Credit union mergers: efficiencies and benefits

Luis G. Dopico and James A. Wilcox

FRBSF Economic Letter, 2011, issue sep12

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.

Keywords: Credit; unions (search for similar items in EconPapers)
Date: 2011
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