<a href="http://www.olin.wustl.edu/EN-US/Faculty-Research/Faculty/Pages/FacultyDetail.aspx?username=wremmons">William R. Emmons</a> and Frank A. Schmid,
"Bank Competition and Concentration: Do Credit Unions Matter?,"
Federal Reserve Bank of St. Louis Review,
May/June 2000, pp. 29-42.
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