TransUnion study finds applicants are young, responsible and active as borrowers.

Reports show consumers are delaying buying homes and cars because of shortages and high prices.

Originations rise in all areas from Q1 to Q2, but volume drops from a year ago for some.

Credit unions hold more loans and originations rise more slowly.

Economist says consumers spent more in August despite car shortages and less eating out.

The NCUA can award up to $25,000 each from a $100,000 pool.

But NCUA data shows the largest credit unions still fare better than smaller ones.

Other credit unions are making similar moves as employee turnover pressures rise.