Deeply embedded in the credit union tradition is an ongoing search
for better ways to understand and serve credit union members. Open
inquiry, the free \ufb02 ow of ideas, and debate are essential parts of the
true democratic process.

T e Filene Research Institute is a 501(c)(3) not-for-pro\ufb01 t research
organization dedicated to scienti\ufb01c and thoughtful analysis about
issues a\ufb00 ecting the future of consumer \ufb01 nance. T rough independent
research and innovation programs, the Institute examines issues vital
to the future of credit unions.

Ideas grow through thoughtful and scienti\ufb01 c analysis of top-prior-
ity consumer, public policy, and credit union competitive issues.
Researchers are given considerable latitude in their exploration and
studies of these high-priority issues.

CU \ue000omorrow is a Filene Research Institute clearinghouse for credit
union young adult strategies. T e project publishes research and
open-source business plans to help credit unions attract younger
members, promising young professionals, and younger volunteers.
Initiatives include:

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