Between 1986 and 2010, credit unions may have provided extrabusiness loans in response to a reduction in activity frombanks.

In a new report, “The Growing Impact of Credit Unions on SmallBusiness Lending,” data from the U.S. Small BusinessAdministration's Office of Advocacy looked at how much businesslending at credit unions responded to an increase in businesslending at banks and the effects of changes in bank businesslending on busi­ness lending by credit unions.

While credit unions did partly offset changes in businesslending by banks, the report's findings showed that these effectshad not been consistent over time for the period tracked.

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