Counterspoint: A Small Credit Union's Struggle in Rural America

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This is the story of Counterspoint Credit Union, located in the fictional town of Counterspoint, Pennsylvania. The case study focuses on the issues that the credit union currently faces and describes the history of credit unions in general. Sarah Thompson, the manager of the credit union, must figure out how to improve conditions for her business. Like many small credit unions, Counterspoint still maintains a mission to provide financial services to underserved populations yet is struggling in the face of competition from banks, large credit unions, other financial institutions, and general economic conditions. Students must evaluate several options for Counterspoint including merger, increasing services and memberships, increasing interest rates on products, and improving overall credit quality, all while balancing the mission of the credit union and the town itself.




This article is the authors' final published version in Journal of Finance Case Research, Volume 18, Issue 1, 2018/2019, Pages 49-61.

Copyright © Institute of Finance Case Research

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