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A direct competitor to the for-profit Sperm Bank, the Sperm Credit [Union] is a co-operative sperm banking venture owned collectively by depositors, who are known as members. Through careful management and economy, it can pay a little more or charge a little less as it had no outside [stockholders] seeking profit at members' expense.

The same pattern held in other sectors where small, local credit unions had taken on large, greedy for-profit banks. Make a deposit in Blood Credit Union and they bleed you a little less aggressively than [the corporate] hacks at Blood Bank. Withdraw noodles from the local Food Credit Union and be able to repay a few noodles less than would be charged by a greedy, Wall [Street Food] Bank. And on it goes.

The principle is the same as any other mutual or co-operative society, such as Mutual Orgasm as an insurance provider or the Building Societies as mortgage lenders. By taking matters into their own hands, members collectively obtain a more satisfying outcome.

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