Excellent point. To Joe Consumer, bank vs credit union accounts are ready alternatives. Where might one find data on failures? A quick scan of this site offered no clues.

https://ncua.gov/

Insurance blurb from NCUA:

https://ncua.gov/files/publications/guides-manuals/NCUAHowYo...

They do have access to a high-margin business, "temporaily":

https://ncua.gov/regulation-supervision/letters-credit-union...

Lending at up to 18% is permitted.

Credit Unions aren't FDIC insured, which is what this data set is using.