||To provide services to their members
||To make a profit
||A not-for-profit cooperative owned and operated by members who own shares of the organization
||Businesses owned by stockholders who intend to make money from their investment
||Democratically structured with each member having one vote regardless of the individual’s personal investment in the credit union
||Depositors have no vote; only stockholders may vote on goals, functions and services
||Directors are elected from the membership and are not paid for their time
||Directors are elected by stockholders and are paid for their time
||Earnings are returned to the members in the form of dividends, higher savings rates, lower loan rates and improved services
||Earnings are returned to the stockholders
||There are more than 8,100 credit unions in the United States with nearly 90 million members. Combined, credit unions in the United States have approximately $800 billion in assets.
||There are more than 8,200 banks and savings & loans in the United States with a total of 267 million customers. Combined, banks and savings & loans in the United States have approximately $13 trillion in assets.