Consumers may be bringing their deposits into credit unions butthey're less comfortable with uninsured shares during economicdownturns like now. You can watch the graphic above as uninsuredshares grew between June 2003 and June 2008 from $46.7 million or9% of deposits to $76.4 million or 11% of deposits. Then when thebottom dropped out of the housing and financial markets creditunion members were sure to move their funds to ensure safety infederally insured accounts. Uninsured shares dropped to $24.1million or 3% of deposits as of June 2009, but are climbing back upand were at $31.5 million or 4% of deposits as of June 2011.