CHICAGO – A newly released joint study by Credit Union Service Corporation, Financial Service Centers Cooperative, Inc., and Service Centers Corporation, the three leading shared branch networks, finds that the most likely users of a shared branch are in their thirties with a credit union checking account and direct deposit. Shared branch users also tend to have more accounts with their credit union; have higher incomes, approximately $54,000; and are more likely to take out auto loans for both new and used vehicles. In addition, 28% are more likely to own their home.