Check out the work of NCBA CLUSA Cooperative Economics Council (CEC) member Luis Dopico


Luis Dopico is Chief Economist at CUCollaborate, a credit union consulting firm, and an invaluable member of the NCBA CLUSA Cooperative Economics Council (CEC). Cooperators interested in cutting edge research on credit unions are encouraged to see some of his recent publications. Luis has three recent articles on marketing expenses being the strongest, most proven driver of CU asset growth, (2) a new comprehensive measure of member-centric and financial CU performance, and (3) evidence on CU’s large and growing benefits to their members. Before joining CUCollaborate, his clients included the Filene Research Institute, National Credit Union Administration, Credit Union National Association and Opportunity Finance Network.

Over the years, Luis has researched crucial credit union topics including deposit insurance, capital requirements, financial sustainability, and structuring credit unions for innovation. He is particularly interested in the complex interactions among asset size, costs, member benefits (credit union interest rates compared to bank interest rates), asset growth rates, returns on assets, and capital ratios. He regularly evaluates the performance and economic impacts of both traditional and innovative credit union products, of individual credit unions, and of subsets of credit unions, such as those for specific states and countries. For questions, please email us at

The two main drivers of credit union asset growth: High interest rates on deposits and marketing expenses

How to comprehensively measure your credit union’s performance

Credit unions provide their members and communities with large and growing benefits

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