Why Are Credit Unions Less Affected by Financial Crises Experienced

Why are credit unions less affected by financial crises experienced by other thrifts such as savings associations?

A) They hold almost 30 percent of their assets in government securities.
B) They hold relatively high amounts of residential mortgages.
C) Less than 10 percent of their assets are in small consumer loans.
D) They are more diversified than other DIs.