Report #401
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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.
![](https://d3pbwvo698qpuh.cloudfront.net/content/uploads/Legacy/art1.png?auto=compress%2Cformat&crop=focalpoint&fit=crop&fp-x=0.5&fp-y=0.5&h=1280&q=80&w=1280&s=4f9ec739cb26b30c55ffdde83b912d5a)
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