Download - Raddon Chart of the Day May 17, 2012
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©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.
www.raddon.com | 800.827.3500
Source: Raddon Financial Group, National Consumer Research – Fall 2011
Raddon Chart of the DayMay 17, 2012
Overall Loan Demand in the Next 12 Months Trend
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 201120%
30%
40%
50%
39% 40%
44%
39%42%
36% 36%
30%32%
28%31% 30%
Households Anticipating the Use of Any Loan Product
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©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.
www.raddon.com | 800.827.3500
Source: Raddon Financial Group, National Consumer Research – Fall 2011
Raddon Chart of the DayMay 15, 2012
Most Consumers Designate a Bank as TheirPrimary of Most Important Financial Institution
Finance Company
Mortgage Company
Insurance Company
Savings Institution
Mutual Fund Company
Stockbrokerage
Credit Union
Bank
0% 10% 20% 30% 40% 50% 60% 70% 80%
0%
1%
1%
2%
2%
4%
21%
69%
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©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.
www.raddon.com | 800.827.3500
Source: Raddon Financial Group, National Consumer Research – Fall 2011
Raddon Chart of the DayMay 10, 2012
Check Writing Activity Has DeclinedAs Debit Card Usage Has Grown
Fall 2003 Fall 2005 Fall 2007 Fall 2009 Fall 20110%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
51% 54%
66% 65%69%
93% 92%
75% 74%71%
Debit Card Checks
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©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.
www.raddon.com | 800.827.3500
Source: Raddon Financial Group, National Consumer Research – Fall 2011
Raddon Chart of the DayMay 8, 2012
Growth in Online Banking Has Not Reduced Branch Usage
Fall 2003 Fall 2004 Fall 2005 Fall 2006 Fall 2007 Fall 2008 Fall 2009 Fall 2010 Fall 20110%
10%
20%
30%
40%
50%
60%
70%
80%
90%
78% 79% 82% 80%84% 83%
78% 81% 80%
29%35% 34%
48%52%
57% 58%65% 67%
Any Lobby or Drive-Up Any Online
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©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.
www.raddon.com | 800.827.3500
Source: Raddon Financial Group, National Consumer Research – Fall 2011
Raddon Chart of the DayMay 3, 2012
Homeowners That Expect the Value of TheirHome to Increase by the End of 2013
Do Not A
nticipate
an In
crease
in Home V
alue
Home Valu
e Incre
ase of L
ess th
an 5%
Home Valu
e Incre
ase betw
een 5% an
d 10%
Home Valu
e Incre
ase of 1
0% or More
0%10%20%30%40%50%60%
49%
33%
14%4%
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©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.
www.raddon.com | 800.827.3500
Source: Raddon Financial Group, National Consumer Research – Fall 2011
Raddon Chart of the DayMay 1, 2012
Most Homeowners Report That Their Home’s Value Has Declined in the Last Year
18%
38%
44% Value Has Increased
Value Has Stayed the SameValue Has Declined
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©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.
www.raddon.com | 800.827.3500
Source: Raddon Financial Group, National Consumer Research – Fall 2011
Raddon Chart of the DayApril 26, 2012
Consumers That Anticipate a Home/CondoPurchase In the Next Five Years
3% 4%
7%
86%
Within the Next YearWithin the Next One to Two YearsWithin the Next Three to Five YearsDo Not Anticipate Buying a House
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©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.
www.raddon.com | 800.827.3500
Source: Raddon Financial Group, National Consumer Research – Fall 2011
Raddon Chart of the DayApril 24, 2012
Consumers Current Home Ownership Status
71%
22%
5% 2%
Own a HomeRentLive with Parents/RelativesOther
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©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.
www.raddon.com | 800.827.3500
Source: Raddon Financial Group, National Consumer Research – Fall 2011
Raddon Chart of the DayApril 19, 2012
Consumers That Have Applied and Been TurnedDown For a Loan in the Last 12 Months
None of the Above
Home Equity Loan or Line
Mortgage for Home Purchase
Mortgage for Refinance
Consumer Loan
Line of Credit
Credit Card
Applied/Turned Down for Any Loan
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
89%
0%
1%
1%
1%
2%
6%
11%
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©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.
www.raddon.com | 800.827.3500
Source: Raddon Financial Group, National Consumer Research – Fall 2011
Raddon Chart of the DayApril 17, 2012
When Consumers Last Purchased or Leased a Vehicle
With
in the Past
Year
Between 1 an
d 2 Years Ago
Between 2 an
d 3 Years Ago
Between 3 an
d 5 Years Ago
Over F
ive Years
Ago
Have Neve
r Purch
ased or L
eased a
Vehicle
0%
10%
20%
30%
15% 12% 13%17%
31%
11%
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©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.
www.raddon.com | 800.827.3500
Source: Raddon Financial Group, National Consumer Research – Fall 2011
Raddon Chart of the DayApril 13, 2012
Consumers That Are Currently in the Market For a New Credit Card
6%
94%
In the Market for a New Credit CardNot in the Market for a New Credit Card
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©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.
www.raddon.com | 800.827.3500
Source: Raddon Financial Group, National Consumer Research – Fall 2011
Raddon Chart of the DayApril 10, 2012
Top Five Credit Card Features That Would PromptConsumers to Get a New Credit Card
0% Introductory Rate Offer
Identity Theft Protection
Annual Cash Back Rebate
Low Interest Rate
No Annual Fee
0% 10% 20% 30% 40% 50% 60% 70% 80% 90%
32%
37%
43%
60%
81%
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©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.
www.raddon.com | 800.827.3500
Source: Raddon Financial Group, National Consumer Research – Fall 2011
Raddon Chart of the DayApril 5, 2012
Methods Consumers Use to Obtain Financing for a Vehicle Purchase From an Auto Dealer
Do Not Borrow for Vehicle Purposes
Other
Would Use a Home Equity Credit to Finance Vehicle Purchases
Would Use Comparative Price Grids/Services on the Internet to Get the Best Loan Deal
Would Seek Out Loan Rates from Primary Financial Institution
Typically Would Obtain Financing from the Auto Dealer
0% 10% 20% 30% 40% 50%
27%
7%
2%
5%
19%
40%
Total
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©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.
www.raddon.com | 800.827.3500
Source: Raddon Financial Group, National Consumer Research – Fall 2011
Raddon Chart of the DayApril 3, 2012
Consumers That Are Willing to Pay a $2 Monthly Fee For Basic Identity Theft Protection Coverage
Extremely Likely Very Likely Somewhat Likely
Not Very Likely Not at All Likely0%
5%
10%
15%
20%
25%
30%
35%
8%
14%
33%
27%
17%