## Summing up, next steps
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## Summing up
- Thanks for coming!
- The bar is high
- https://twitter.com/OdedRechavi/status/1181062360997470208
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#### Who gets the tax subsidy?
- Why tax exemption?
- Depositors get benefits? Are they the owners? Why?
#### CU behavior during crisis?
- Why do CUs hold less risky portfolio?
- Useful to have some organizational diversity in market / GE?
- risk portfolio
- competition
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#### Failures of Credit Unions and Commercial Banks
- Unexplained factors matter a lot => opportunity
#### Loan Losses in U.S. Credit Union
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### Thank you presenters and everyone attending
- taylorn@filene.org / @royal_t14
- hueth@wisc.edu / @brenthueth
- jvanrijn@cuna.coop / @Jordan_vanRijn
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