What arrears tell a credit union about its members

Dr Gulzar Singh examines arrears - not only as a measure of credit performance, but also as an indication of what may be happening in credit union members’ financial lives

September 21, 2026

Dr Gulzar Singh considers how credit unions can maintain financial discipline while recognising the individual circumstances of the members they serve; image credit: Zhanna Hapanovich/shutterstock

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