The $3.3 billion credit union says since it discontinued its leasing business, it no longer has use for the lot.
While the Urban Institute calls the statistic alarming, it says the ratio is not a new trend.
Nearly 77% of small business owners surveyed say they've never applied for a business or personal loan. Most say they don't want the debt burden.
Credit unions pump up loan balances by promoting credit card balance transfer offers.
Growth comes mainly from smaller loans banks don't want to consider.
The California-based firm also faces enforcement and civil actions in 13 other states.
Delinquencies at all-time low representing less than 1% of total outstanding balances.
CUSO cites fewer repossessions in its decision to discontinue division.
Billionaire fashion designer Tory Burch includes Self-Help Credit Union in her micro-lending program that empowers female entrepreneurs.
Women spend an average of 53% of their incomes on student loans. Men pay 39%.