[shillelagh]

Credit unions already have access to post offices .. it depends on where they are ... but that is not answering my question.

Why would a credit union want to set up in an empty bank .. a bank has shut because it was losing them money .. so why would a credit union want to set up in there .. Also a credit union is ran by volunteers .. so if no one is interested in volunteering or in setting a credit union up which in itself is a long and arduous task .. how are you going to change the scope of a credit union without changing it into a building society or without having the membership ..