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Credit Pacific Service Union By Freddie Mooche

Credit unions exist not only worldwide, but also in each of the 50 U.S. states. By definition, a credit union is a cooperative financial institution that is owned and controlled by its members. Credit unions differ from banks and other financial institutions in that the members who have accounts in the credit union are the owners of the credit union.¹ Some experts say that about one half of the nation's credit unions offer secured credit cards to members, many of which may offer lower interest rates.²

Credit First Service Union Credit Unions cried foul after the Independent Community Bankers of America released news earlier this week citing a GAO report that discounted the need for secondary capital.

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Card Credit Discover Service Sept 11, 2004 (AXcess News) California - Credit Unions cried foul after the Independent Community Bankers of America released news earlier this week citing a GAO report that discounted the need for secondary capital.In a statement released Friday by the California Credit Union League (CCUL), David L. Chatfield, League president said he wished the GAO had considered the issue of capital more from the perspective of individual credit unions, rather than from the external vantage point of the credit union movement as a whole.The Independent Community Bankers of America had called the National Credit Union of America's proposal a sham on the rest of the industry. "Credit unions constantly criticize community banks as stockholder-owned institutions," noted Camden R. Fine, ICBA's president and CEO. "Meanwhile, this report shows they are willing to abandon their cooperative structure for a stockholder model to further grow their operations, while keeping the tax exemptions that give them an unfair advantage over other financial institutions. 'Growth-by any means necessary' should be the motto of the credit union industry."

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Credit Public Service Union Chatfield resisted Fine's jabs, pointing out that the GAO concluded that the inflow of member share deposits during the "flight to safety" from the volatile stock market over the past three years did not result in widespread net worth ratio problems for federally insured credit unions.It also discounted the argument that restrictions on credit union capital sources hamper credit union growth, because deposit growth can shrink net worth ratios. The report noted that credit union growth has been good during the time that credit unions have been under prompt corrective action - or PCA - measures linked to capitalization levels.Advertisement"Those observations are true, but the GAO report uses them to base credit unions' need for capital upon a view of credit unions in the aggregate, from a macro perspective," Chatfield said. "The report tends to downplay the effect that PCA regulations have on individual credit union business decisions.""Moreover, while most credit unions today are not nearing PCA cutoffs due purely to growth, many are, and the potential for more to find themselves in that situation remains," he said. "That is why we need to continue discussion of supplemental capital and risk-based capital requirements."

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