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Over the past several months, I have revealed disturbing truths about the American banking system. The secret OCC downgrades. The FDIC watchlists naming banks heading toward failure. The Texas Ratio that predicts collapse. And after every single video, one question appears more frequently than any other. What about credit unions? Are they safer than banks? Should I move my money to a credit union instead? Today, I am answering this question definitively. Because the answer is not as simple as most people assume. And making the wrong choice could cost you everything.
Credit unions are not banks. They operate under completely different structures, different regulations, different insurance systems, and different risk profiles. While banks are drowning in commercial real estate losses, credit unions face their own crisis. Auto loan delinquencies have reached levels not seen since 2008. Member deposits are fleeing to higher-yielding alternatives. The number of problem-rated credit unions has increased thirty-seven percent in eighteen months. These challenges are happening behind closed doors, invisible to the members whose money is at risk.
The FDIC insures bank deposits. The NCUA insures credit union deposits. Both provide the same two hundred fifty thousand dollar limit. But there is a critical difference in how the government has responded during crises that most depositors never consider. Warren Buffett would never choose a financial institution based on its legal structure alone. He would analyze the balance sheet, evaluate management, assess the loan portfolio, and calculate the margin of safety.
In this video, I reveal the hidden risks at credit unions, how to evaluate your specific institution, and the definitive answer to which is actually safer right now.
#MacroLens #warrenbuffett #creditunions #banksafety #creditunionvsbank #bankingcrisis #ncua #fdic #depositprotection #financialeducation
Did you miss our previous article...
https://trendinginbusiness.business/trending-videos/power-of-retail-how-meme-etf-capitalizes-on-trading-trends-shorts
