While Georgia's credit union members are working to build abuffer of savings by cutting back on expenses and delaying largepurchases, they are still unprepared to deal with any furtherfinancial setbacks.

That analysis comes from the GeorgiaCredit Unions' "Paying Attention" report from the GeorgiaCredit Union Affiliates, which polled more than 4,000 members.Twelve percent said they believe the economy is improving comparedto a year ago with 40% saying they think it's getting worse.

More than one-third of respondents said they had no reservesavings to cover essential expenses if they were to lose their jobor other source of income. Nearly 19% said they had enough savingsto cover more than one year without a source of income. Still,65.6% said they have changed their personal savings habits over thepast six months, including spending less or cutting expenses likeeating out and taking trips.