Whitepapers
Insight for the credit union movement.
Research, perspectives and practical guidance on technology, membership growth and the future of UK credit unions. Read online or download the full PDF.
All whitepapers
Read, download and share.
Whitepaper · Arrears & member support
From collections to prevention
Arrears across UK credit unions have roughly doubled since 2021. This paper sets out a data-led approach to spotting financial stress earlier, lending more accurately and supporting members before missed payments become long-term arrears.
Whitepaper · Responsible lending
Unlocking the full potential of UK credit union lending
A practical five-year pathway to put more member savings to work as affordable loans, moving from around 50% to 70% of savings lent without loosening affordability or underwriting standards.
Strategy paper · Treasury
Treasury Marketplace
How credit unions could earn more on surplus and operational cash, replace spreadsheet-led treasury and negotiate together at institutional scale, while every decision stays with the credit union.
Whitepaper · Trust & resilience
Building trust in Murmuration
Straight answers to the eight questions credit unions ask most often, from resilience and financial inclusion to long-term commitment, exit options and staying in control.
More coming soon
New research and insight are added regularly. Have a topic you’d like us to explore?
Behind the research
Built by people who know this sector.
Murmuration was founded by a team with deep experience across financial services technology, credit unions and growth marketing. Find out who we are, why we built Murmuration and how it can help your credit union grow.
Stronger together. Built for credit unions.