4. Estimating the volume of loans that will be made at a credit Lmion is crucial to effective cash management in those institutions. In the table that follows are quarterly data for a real credit union located in a midwestern city. Credit unions are I'mancial institutions similar to banks, but credit unions are notforprot rms whose members are the actual owners [remember their slogan, "It's where you belong"). The members may.r be both depositors in and borrowers from the credit union