Credit Card Lending and the Performance of U.S. Credit Unions

Is credit card lending by unions within the United States primarily a service to members or profit generating product? This paper examines impact of on performance U.S. from 2000-2017. A panel data approach using fixed effects regression methodology is undertaken make comparative analyses union across several dimensions including percentage firm’s assets in loans and percent with card. Credit are stratified into deciles size significant results found this methodology. Controlling for delinquencies charge-offs among other variables, significantly increases ROA both large small unions, but only after Financial Crisis 2008, establishment CARD Act 2009. Interestingly, institution’s result suggests that would benefit increasing penetration cards their membership base.