Which of the Following Statements Is True

Which of the following statements is true?

A) Key performance ratios for credit unions and building societies indicate that from 2005 to 2014 their cost structures were higher than for banks.
B) Key performance ratios for credit unions and building societies indicate that from 2005 to 2014 their cost structures were lower than for banks.
C) Deposits are a higher proportion of the funding base for banks than for credit unions and building societies.
D) Despite credit unions and building societies having higher cost structures over the period 2005-2014 than banks, they have much lower bad debt expenses than banks and hence have navigated the GFC well in terms of their overall performance.