Credit Union, Co-op?

In part an answer to yesterday's post:

Jeff, a dear Wanderer friend who like me, has eclectic interests suggests that the organizational model we are looking for is the idea suggested a little while back, a credit union. The first half of the first sentence in the wikipedia entry on credit unions goes like this, "A credit union is a cooperative financial institution that is owned and controlled by its members, and operated for the purpose of promoting thrift" and captures much of the intent of the organization. I would also perhaps, substitute the words 'personal identities' for financial in the sentence above.

I have joined the facebook group, MICROCREDIT with the hope of learning more about the friendly, organic nature of the organization type.