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Credit Unions: Financial Sustainability and Scale

In this report, we define credit unions’ financial sustainability as their being able to: (1) offer attractive terms and interest rates indefinitely for a broad range of financial products, (2) remain relevant in the financial lives of their members, and of Americans as a whole, by maintaining constant, or growing, market shares, and (3) maintain capital per asset ratios that are sufficiently high to withstand periodic shocks, such as economy-wide increases in loan losses.

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