Generally I'd prefer them over capitalized institutions. At least the people who are making things work are seeing direct positive results. In some cases (eg h

Generally I'd prefer them over capitalized institutions. At least the people who are making things work are seeing direct positive results. In some cases (eg health insurance) I believe a single large national pool is preferable. Should credit unions offer insurance... I am not sure. I think it's reasonable if that's what the credit union members want, but they'd need to be very careful about the policies they were issuing and the potential payouts.