All my auto and bike loans are, and have been, through credit unions. The rates seem to always be a bit lower. Strangely, I never checked before getting my current home mortgage. Since I'm a vet, it probably doesn't make any difference.
On the whole though, have to agree with the article. I'm no banking professional, but just off the top, owned by the folks with skin in the credit union seems to be a recipe to avoid what happened at SVB. Don't think the even have the exposure the old S&L's had back in the day.
Just my observation, certainly nothing to take serious stock in. If I had all the money back for every bad financial decision I've ever made without a dime of interest, I'd stillbe a multimillionaire.
What's the point of an open door policy if inside the open door sits a closed mind?