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The non-nullable type is 'String' within parent type 'Content'","path":["readnext","contents",5,"uri"],"extensions":{"classification":"NullValueInNonNullableField"}}],"data":{"articleData":{"uri":"/2013/05/16/filene-report-reveals-how-to-predict-members-choic/","canonicalUrl":"https://www.cutimes.com/2013/05/16/filene-report-reveals-how-to-predict-members-choic/","generatedId":"heg45hjgkk","naturalId":"blogAndPostId/blog/post/413-46377","type":"ARTICLE","postFormat":null,"kickerPresentedBy":null,"breadcrumb":[],"presentedBy":"","title":"Filene Report Reveals How to Predict Member&rsquo;s Choice of Auto Lender","readtime":"3","timeToRead":"3 minute","prettyModified":"","prettyDateTime":"May 16, 2013 at 10:23 AM","needToKnow":[],"byline":"Michelle A. Samaad","showDisclaimer":true,"authors":[{"name":"Michelle A. Samaad","description":"","imageLarge":"https://secure.gravatar.com/avatar/f16d6fc2845f417ea0e93a3f2b6cd37d?s=136&d=mm&r=g","webUrl":"/author/profile/michelle-a-samaad/"}],"publication":"Credit Union Times","kicker":"News","kickerNode":[{"name":"News","slug":"news-kicker","uri":"/news/","sectionName":"News"}],"prettyDate":"May 16, 2013","pubDate":"2013-05-16 10:23:00:000","modifiedDate":"","isDownload":"false","primaryCategory":{"channelName":"","sectionName":"","name":"","uri":"","slug":"","channelUri":""},"tags":[],"image":{"uri":"","width":"","height":"","alt":""},"embed1":"","embed2":"","summary":"Interest rates may not be as important as response to potential borrower. (Check out the graphic at the bottom!)","categories":[{"name":"","uri":"","channelName":"Topics"},{"name":"Lending","uri":"/lending/","channelName":"Topics"}],"bodyArray":["<p>When it comes to which lender a member will choose to finance their car loan, credit unions should probably not count so much on interest rates but more on how easy and quickly they can respond back to that potential borrower.</p>","<p>Those are some of the findings from a new report from the <a href=\"https://www.cutimes.com/2012/10/12/filene-desjardins-group-expand-relationship-to-exa/\"> Filene Research Institute</a>, <em>Predicting Members' Choice of Auto Lender: Borrowing from Credit Unions or Elsewhere?</em></p>","<p>“Even with the decreasing auto loan interest rates and increasing credit union market share that began in the late 1980s, 24% of members surveyed chose the competition as their auto lenders,” reads the report authored by Luis G. Dopico.</p>","<div class=\"paywall-content\"><p>Based on data collected from a 100-question survey of thousands of members from seven credit unions, the research revealed that credit unions' relationship strengths play a surprisingly large role in auto loan selection, while their historical pricing strength seems to be less important.</p>","<p>Filene found that the best predictors of members' choice of auto lender included more intangible aspects of the lender such as the borrower relationship in members' past <a href=\"https://www.cutimes.com/2013/04/15/no-signs-of-losing-steam-with-auto-loan-growth-cu/\"> auto loans</a>. For instance, members who placed more importance on customer service were far more likely (by 41%) to choose a credit union for their auto loan.</p>","<p>There were similar increases in credit union share for ease of contacting the lender (40%) and lender responsiveness (38%).</p>","<p>Other factors that were surprisingly not useful predictors of members' choice of auto lender include measures of members' satisfaction with their specific credit union, commitment to credit unions in general, relationship with other financial institutions, and preferred means of communication from their credit union.</p>","<p>Respondents undoubtedly preferred more attractive loan terms, according to the data. However, questions about more quantifiable loan terms such as low interest rates, flexible repayment structures and down payment requirements were not nearly as useful as predictors of members' choice of auto lender.</p>","<p>While the research did not find a clear correlation between preferred communication channels and choosing a credit union for an auto loan, it did reveal a large and consistent preference across members for electronic information.</p>","<p>The credit union website is the most preferred communication channel, followed by email and then by credit union employees. The least preferred are branch brochures and signage and social media.</p>","<p>Filene said <a href=\"https://www.cutimes.com/2013/01/11/enterprise-generates-380-million-in-cu-auto-loans/\"> Enterprise Car Sales</a> provided support for the report.</p> <img class=\"visually_embed_infographic\" src=\"https://images.cutimes.com/cdn-cgi/image/format=auto,fit=contain/http://thumbnails.visually.netdna-cdn.com/how-credit-unions-can-increase-auto-loan-market-share_5193f179be31d_w587.png\" alt=\"How Credit Unions Can Increase Auto Loan Market Share\"/> <span class=\"visually_embed_cycle\"><a href=\"http://visual.ly/how-credit-unions-can-increase-auto-loan-market-share/?utm_source=visually_embed\">How Credit Unions Can Increase Auto Loan Market Share infographic</a> </span> <p></div>"],"slides":[],"video":null},"articlePackages":[],"youmightlike":[{"uri":"/2024/11/06/pressing-issues-for-cus-pushed-in-lame-duck-session/","title":"'Pressing Issues' for CUs Pushed in Lame Duck Session","byline":"Michael Ogden","prettyDate":"November 06, 2024","readtime":"3","image":{"uri":"https://images.cutimes.com/contrib/content/uploads/sites/413/2021/04/2021-3-1-u-s-capital_ALM_MI_640x640_diego-m-radzinschi-Copy-e1619805288146.jpg","width":"620","height":"620"},"summary":"DCUC calls on Congress to take up five credit union issues in this post-election period."},{"uri":"/2024/11/06/vystar-credit-union-virtual-banking-platform-was-doomed-from-the-start/","title":"VyStar Credit Union Virtual Banking Platform Was Doomed From the Start","byline":"Peter Strozniak","prettyDate":"November 06, 2024","readtime":"6","image":{"uri":"https://images.cutimes.com/contrib/content/uploads/sites/413/2023/08/Vystar_Winter-Park-Branch-ext4_sent.jpg","width":"400","height":"260"},"summary":"During the project and to keep to its project timelines, VyStar became increasingly willing to accept the persistence of critical bugs, according to the CFPB's investigation."},{"uri":"/2024/11/06/cu-trade-groups-congratulate-president-elect-trump/","title":"CU Trade Groups Congratulate President-Elect Trump","byline":"Jim DuPlessis","prettyDate":"November 06, 2024","readtime":"3","image":{"uri":"https://images.cutimes.com/contrib/content/uploads/sites/413/2024/11/Donald-Trump-Article-202411061317.jpg","width":"620","height":"372"},"summary":"America's Credit Unions also says candidates it supported won at least 178 House and 10 Senate contests."},{"uri":"/2024/11/05/dennis-devine-departs-ceo-post-at-illinois-largest-credit-union/","title":"Dennis Devine Departs CEO Post at Illinois' Largest Credit Union","byline":"Peter Strozniak","prettyDate":"November 05, 2024","readtime":"3","image":{"uri":"https://images.cutimes.com/contrib/content/uploads/sites/413/2023/10/Alliant-headquarters-e1730824966427.jpg","width":"620","height":"410"},"summary":"The Alliant Credit Union Board names Ken Schaffsma as interim CEO."},{"uri":"/2024/11/05/patelco-loses-39-million-during-last-summers-hack/","title":"Patelco Loses $39 Million During Last Summer's Hack","byline":"Jim DuPlessis","prettyDate":"November 05, 2024","readtime":"6","image":{"uri":"https://images.cutimes.com/contrib/content/uploads/sites/413/2024/03/economy-in-the-red-e1710414170112.jpg","width":"620","height":"414"},"summary":"California credit union says most of the loss is related to members overdrawing money during the event."},{"uri":"/2024/11/05/worried-about-the-election-so-are-workplace-managers-413-207255/","title":"Worried About the Election? 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