Sign in window stating bank branch closed. Source: Shutterstock.

Bank branch decline is a reality for most U.S. metro areas. However, credit unions appear to be filling some of those gaps left by banks, according to a study by

From 2008 to 2018, all except for seven of the 100 largest U.S. metro areas saw a reduction in the number of branches. The study noted on a branches-per-capita basis (calculated as the number of credit union branches per 100,000 residents), all metro areas underwent a bank branch decline. The inclination of banks decreasing branch networks is predictable since the analysis observed 71% of bank customers frequently bank online and 43% use mobile banking services.

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Roy Urrico

Roy W. Urrico specializes in articles about financial technology and services for Credit Union Times, as well as ghostwriting, copywriting, and case studies. Also: writer/editor of a semi-annual newsletter for Association for Financial Technology since 1997 and history projects funded by the U.S Interior Department, National Park Service and Warren County (N.Y.).

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