Assigning Credit Union Deposits to Credit Union Branches

7 Pages Posted: 10 Apr 2020

See all articles by Aaron Chatterji

Aaron Chatterji

Duke University - Fuqua School of Business

Jiao Luo

University of Minnesota - Twin Cities - Carlson School of Management

Robert Seamans

New York University (NYU) - Leonard N. Stern School of Business

Date Written: March 22, 2020

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.

Keywords: credit unions, home mortgage loans, deposits

JEL Classification: G21, G23

Suggested Citation

Chatterji, Aaron and Luo, Jiao and Seamans, Robert, Assigning Credit Union Deposits to Credit Union Branches (March 22, 2020). Available at SSRN: https://ssrn.com/abstract=3558882 or http://dx.doi.org/10.2139/ssrn.3558882

Aaron Chatterji

Duke University - Fuqua School of Business ( email )

Box 90120
Durham, NC 27708-0120
United States

Jiao Luo

University of Minnesota - Twin Cities - Carlson School of Management ( email )

321 19th Ave. S
CSOM 3-360
Minneapolis, MN 55455
United States
1-612-626-1907 (Phone)

Robert Seamans (Contact Author)

New York University (NYU) - Leonard N. Stern School of Business ( email )

44 West 4th Street
Suite 9-160
New York, NY NY 10012
United States

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