It is unless...

But ok.

Banks make risky plays and over leverage because they are for profit.

Credit unions only invest what is necessary to run business, and generally claim the costs back from the members it serves.

Bank runs don't happen at credit unions because the money is all there, or if it's loaned out, it's loaned to other members of the credit union, ie, your neighbors.

It is unless your stupid.

But ok.

Banks make risky plays and over leverage because they are for profit.

Credit unions only invest what is necessary to run business, and generally claim the costs back from the members it serves.

Bank runs don't happen at credit unions because the money is all there, or if it's loaned out, it's loaned to other members of the credit union, ie, your neighbors.