I subscribe to a resource called Visual Capitalist +. The firm transforms data into pictures and graphs that present the meaning from the numbers.
Below is an example of income distribution in the US using information from 2010. I suspect the outcome would not be much different today.
I believe this visual illustrates where credit unions have their largest market opportunity. If the cooperative’s goal is to serve the greatest number of members, versus the members with the greatest wealth, then 80% of Americans owning less than 7% of the country’s financial wealth should be the primary target.
This distribution is one reason Congress created cooperative credit unions founded on self-help.