i still find the original idea of credit unions appealing: ie a small local organization focused on outserving a specific membership who are naturally bound together by meaningful preexisting ties.
the trouble seems to come when the credit union decides it needs to “scale “ sort of defeating the original thing that made it any good. perhaps that comes from just greed (ie the ability to charge fees on a larger customer base) or maybe it’s a requirement of the costs of providing an ever-widening array of newly “expected” services.
