Sampling Methodology

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From:
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Date:

Pamela Williams, NCUA
Elaine Golden & Brenton Peck, Financial Health Network
MDI Practitioners and Industry Experts Sampling Methodology
March 22, 2022

To ensure a representative sample of MDI practitioners, while also balancing time and resource
constraints, we plan to execute the following sampling approach for interviewing MDI
practitioners and industry experts. In total, we plan to reach out to at least 20 MDIs for
interviews.
For MDI practitioners, we will seek representation across 3 categories:
● Size (total assets) We will extend interview invitations to at least 1-2 credit unions in
each asset class, with a focus on smaller asset classes given their unique sustainability
concerns (approx 6-9 interviews)
○ Under $10M in total assets
○ $10M-$50M in total assets
○ Over $50M in total assets
● Location (region, state) We will extend interview invitations to at least 2-3 credit unions
per each region. MDIs interviewed will be located in least 2 different states per each
region (approx 6-9 interviews)
○ Regions - Eastern, Western, Southern
● Minority Status Designation We will extend interviews to at least 1-2 MDI credit unions
per minority status. Given the greater share of Black and Hispanic MDI credit unions, we
will interview at least 2-3 each. (approx 8-12 interviews).
○ Black or African American
○ Hispanic American
○ Asian or Pacific Islander American
○ Native American or Alaskan Native American
○ Multi-racial American
The majority of the sampling will be done by randomly selecting MDI credit unions, as of year
end 2021, that meet each of these designations to ensure the composition of the group is
representative. A small share of those interviewed in the initial phase, no more than 25%, will
come from recommendations that arise during interviews with NCUA staff. As the project
progresses and we refine our models for success, we will interview additional credit unions to
ensure that we have spoken to at least 1-3 MDI practitioners who have carried out each
successful model.
For industry experts, we will seek representation across 3 categories:

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National Credit Union Perspective We will request interviews from at least 2-3
national-level organizations that can speak to both MDI experience and how it fits into
broader trends in the credit union space. These will be determined through a
collaboration between Financial Health Network and NCUA.
Credit Union Leagues We will reach out to the Leagues with the largest share of MDI
credit unions in each region.
Minority Credit Union Organizations / Affinity Groups We will reach out to 1-3
relevant groups identified through a collaboration between Financial Health Network and
NCUA.