Paper Title :The Influence of Assets Allocating on the Profitability of Credit Unions

Author :Jalal El Fadil Helyothhessou

Article Citation :Jalal El Fadil Helyothhessou , (2022 ) " The Influence of Assets Allocating on the Profitability of Credit Unions " , International Journal of Management and Applied Science (IJMAS) , pp. 115-118, Volume-8,Issue-9

Abstract : Abstract - Our main research objective is to study the influence of different decisions inherent to allocating assets, and to the weights given to some types of loans on the profitability of credit unions. Only few studies having been carried out on these financial institutions and on their asset portfolio structural change. Another objective is to analyse the influence of increasing deposits, as part of liabilities, on their financial performance. In order to reach our research objectives, we carried out statistical analyses and panel regressions by using biannual data from a large sample of credit unions in the United States. The results of our analysis enable us to conclude that attracting more deposits would ensure better profitability for these credit unions. We also find that loans contribute positively and more than investments to there’re turn. As regards to loan types, the increase of the first mortgage loans weight is a profitable strategy. Keywords - Credit Unions, Credit Unions Performance, Credit Un Ions Asset Portfolio Structure, Credit Union Deposits, Assets and Liabilities Management In Banking Industry, First Mortgage Loan.

Type : Research paper

Published : Volume-8,Issue-9

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