Jen BudneyJen Budney

This is great, Alexa, thank you. You raise an excellent point about the problem of disproportionate risk in an organization comprised of members of very different sizes — this would hold true for countless second-tier co-ops and credit unions, but even at the local level there are always individual members with much more at stake in the success of their co-op than others – which is why there are rules at many co-ops about patronage and board eligibility – it’s one thing to be a member, but to have significant decision-making influence, you need to put your money where your mouth is, so to speak.


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