Date of Award

2018

Document Type

Thesis

Degree Name

Bachelors

Department

Social Sciences

First Advisor

Khemraj, Tarron

Area of Concentration

Economics

Abstract

In order to compete against large commercialized banks small credit unions in America have had to adapt by condensing. Looking at the history of how credit unions have evolved and where they plan to go in the future is shown through the ratios used to measure the success of the industry. Evidence of high merging activity in credit unions in America is present and has had an impact on the ratios used to measure the overall success rate of the financial institutions. In this financial industry the increasing condensing rates has affected the CAMEL ratio used to measure overall performance of the credit union. An empirical analysis of credit unions in America and of the CAMELs ratio concludes the effect of merging has increased capital and earnings in the credit union industry.

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