A representative of the Scottish Co-op was recently invited into our school and right from the off he suggested the school establish a credit union. I know that "proper" credit unions have helped a great many families in Scotland in the time of austerity but I fear for colleagues who may have bitten off a little more than they can chew. Who is going to maintain the books, balance them, be treasurer of monies accrued... it makes my head ache. Kudos for my colleagues in trying something new but I feel this is a risky situation. Any thoughts?