For those of you who have a formal "member dividend" or "member giveback" program, I'd be very grateful to know what methodology you use to determine who gets rewarded how much, and what constraints might get attached to those rewards. For those not familiar with them, these are those practices where credit unions offer a cooperative-style profit-sharing payment back to their members (similar to what REI does) -- sometimes annually, sometimes on just an occasional basis. I expect that there are as many ways to calculate the rewards as there are programs out there, but it'd be interesting to know if CUs tend to cluster their practices around a handful of (analytical) approaches.
Chime in as a reply to this post, for message me through the CULytics messaging system. Thanks!
STCU Research & Development
CULytics Community Chair