{"id":"W2102856701","doi":"10.1177/0899764014538121","title":"Credit Unions","year":2014,"lang":"en","type":"article","venue":"Nonprofit and Voluntary Sector Quarterly","topic":"Cooperative Studies and Economics","field":"Business, Management and Accounting","cited_by":17,"is_retracted":false,"has_abstract":true,"ca_institutions":"University of Toronto","funders":"","keywords":"Credit union; Credit history; Credit reference; Credit card interest; Business; Credit crunch; Population; Credit enhancement; Financial services; Financial system; Finance; Economics; Credit risk","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.002768233,0.0003256208,0.0003501275,0.001674396,0.005479031,0.006601194,0.001111413,0.002220355,0.1970069],"category_scores_gemma":[0.01037449,0.0002576055,0.0002830647,0.002464335,0.001327305,0.002558901,0.00335948,0.001841188,0.0696521],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.003485944,"about_ca_system_score_gemma":0.009289628,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.01393717,"about_ca_topic_score_gemma":0.01873893,"domain_scores_codex":[0.9945818,0.0008266484,0.0002482526,0.0007099652,0.002480418,0.00115293],"domain_scores_gemma":[0.9937451,0.0006274357,0.0004145377,0.0006873594,0.002891782,0.001633714],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"not_applicable","study_design_gemma":"not_applicable","study_design_scores_codex":[0.00004292931,0.00008978965,0.004627224,0.0001179114,0.000005674691,0.0001096102,0.001651828,0.00006743649,0.0002546104,0.1675113,0.640502,0.1850198],"study_design_scores_gemma":[0.000002664578,0.000008092355,0.001462617,0.00006074044,0.000001121194,0.00004876119,0.0005192237,0.00001859428,0.0000472854,0.002465365,0.9953622,0.000003403201],"study_design_candidate":"not_applicable","study_design_consensus":"not_applicable","genre_codex":"other","genre_gemma":"other","genre_scores_codex":[0.003663064,0.00144309,0.001256768,0.006429296,0.001046249,0.0001438191,0.000952435,0.0002119311,0.9848533],"genre_scores_gemma":[0.04873165,0.001838133,0.001370419,0.004733378,0.000444663,0.0001555989,0.001548924,0.0001098606,0.9410673],"genre_candidate":"other","genre_consensus":"other","teacher_disagreement_score":0.1970069,"threshold_uncertainty_score":0.6590536,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01186089322286398,"score_gpt":0.1895216316997037,"score_spread":0.1776607384768397,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}