Along the same topic of OP, Is return rate on CDs at a credit union any way of evaluating if their at risk of failure? I'm familiar with a few Credit Unions and theres one that's more than 1.5% lower on their 12 month CDs and they do not seem to want to raise it (2.8% vs 4.5%). Same thing with their rates on Savings accounts etc. Wouldn't they be at risk of people pulling their deposits to get higher rates?