I wouldn’t count on that hypothesis. I belong to NavyFed and they have a lot of 100% financings sold off and if the mortgages get called back to the bank there could be problems. The auto loans and others given to people with mortgage woes could be in trouble as well. Of the CUs that I know of not a lot are exposed but I would keep an eye out as to whether your’s is or not. Just look on the website and see what kind of mortgage financing they offer. If the requirement is less than 80% LTV then they are not likely at as high a risk as some other institutions.