In-Depth Report – Credit Unions: Focused on Financial Capability Across the Nation


In 2012, the National Credit Union Foundation (NCUF) through its REAL Solutions™ program made available this free online report entitled “Credit Unions: Focused on Financial Capability Across the Nation,” which is the result of an almost yearlong data collection effort by NCUF with the help of state credit union leagues.

In an effort to help the credit union community understand the depth and breadth of existing programs, NCUF and REAL Solutions™ conducted a comprehensive national study of credit-union provided member and consumer financial education and counseling. The data derived from this study will be useful to state leagues/associations and the broader credit union industry because it quantifies the extent to which credit unions are providing opportunities for members/consumers to advance their financial knowledge and decision-making skills.

“Credit Unions: Focused on Financial Capability Across the Nation” describes ten financial education/counseling interventions offered to members/consumers by credit unions. It provides cumulative data about member use of and access to credit-union provided financial education/counseling products, tools, and courses, and it reveals probable keys to program success. National data is supplemented by case studies of credit unions and state leagues/associations that illustrate each type of educational intervention. Finally, an overview of financial education/counseling programs at credit unions within each state provides a comprehensive look at the varied and numerous educational outreach efforts geared toward credit union members and consumers in general.
> Download/View the Full Report (pdf/15 MB)

Resource Guide

The resource guide for “Credit Unions: Focused on Financial Capability Across the Nation” is designed to assist credit unions and others to access resources, information and curriculum already created to help them offer even more financial literacy programs. This resource guide is intended to broaden and extend the intervention techniques described in the original report. Each method of financial counseling/education gives examples, additional resources, and further information and tips to help credit unions expand their current education programs or introduce new ones.
> Download/View the Resource Guide