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With the banking industry in turmoil, many contractors and small businesses are finding it hard to get credit or loans. That’s not the case with credit unions, which are doing just fine–business for them is up 18 percent over last year. One of the reasons is that federal law restricts the amount of loans a credit union can have at 12.25 percent of assets. For what it’s worth, most of the big national banks that have gone bust in the last four months were making loans at a rate on three to four percent of assets.