Is Your Credit Union Financially Sound?

Many readers -- as well as a number of financial experts -- have suggested joining a credit union as an alternative to consumers concerned about the rising fees and diminished perks at many big banks. For instance, 38 of the 50 largest credit unions in the country still offer free checking. It's not hard to find and join a credit union; often, you only need to live, work or worship in a specific area to be eligible for membership.

But how can a would-be member make sure that the institution to which they're selecting to entrust their financial life is fiscally solvent?