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Has there been any distinction between that income when distributed to members and the internal profits of a credit union?
A second factor is that a well-run credit union is more than simply a savings and loan club.
But if a credit union is not eligible for registration, or if it is de-registered, the point may become somewhat acute.
We are told that the profits of a registered credit union are not to be sub- ject to corporation tax or income tax.
Membership of a credit union could enable such people to keep a line open to cheap credit facilities.
These will be significant in some areas, such as removing the requirement for a credit union to demonstrate the existence of a common bond.
There is one exception to the "common bond" requirement for joining a credit union.
It is good that we have already heard one of the answers to the problems: the growth of the credit union movement.
Moreover, community groups are debarred from using the local community credit union to deposit funds.
Every local authority should have a credit union officer.
Does she agree, however, that the term "credit union" is itself problematic, because for many people it implies getting into debt?
One of the report's recommendations is the establishment of a new central services organisation to assist the growth of the credit union movement.
I believe that, when the consultation has finished, there will be good news for my colleagues in the credit union movement.
Moreover, such an organisation could make arrangements with the banks to ensure a lender of last resort for the credit union.
The tragedy in this country at the moment is that too few people have access to a credit union.
