ABCUAuto Body Credit Union
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Unlike the wider banking sector in recent years, overall lending practices are conservative - ABCU credit unions have pounds 400m in deposits and pounds 350m on loan.
they are financial co-operatives which give a service to members, not maximise shareholder returns," an ABCU spokesman said.
ABCU believes that given the number of under-resourced credit unions in the region, some credit unions will merge.
Three full-time staff will be employed by the project in a Birmingham office of ABCU.