{"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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0001364962,0.0001697277,0.0001994744,0.00008965545,0.0003172627,0.0001956433,0.0001124435,0.00004605439,0.0005238057],"category_scores_gemma":[0.00001087815,0.0001532631,0.00005224752,0.000120016,0.00006153034,0.0006408911,0.00004663216,0.0001044827,0.0003571463],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00001372007,"about_ca_system_score_gemma":0.000005868256,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.001260913,"about_ca_topic_score_gemma":0.001746987,"domain_scores_codex":[0.9992144,0.000006807413,0.0001796943,0.0002733718,0.00006895526,0.0002568212],"domain_scores_gemma":[0.9996476,0.00003154894,0.0000658323,0.0001724246,0.00006326651,0.00001934413],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0001488313,0.0001519706,0.6009654,0.00032057,0.0002104069,0.000009376672,0.001338736,0.00001406005,0.0006933835,0.130225,0.1189954,0.1469268],"study_design_scores_gemma":[0.000993352,0.0002132804,0.2946965,0.00002583938,0.00006126857,0.000003325679,0.001260802,0.01336007,0.000006936561,0.004219607,0.6846418,0.0005172411],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9737605,0.00008845265,0.000326473,0.001345818,0.0008815675,0.0001498672,0.000006209365,0.00009958049,0.02334149],"genre_scores_gemma":[0.9933184,0.000006592456,0.0001022758,0.00234609,0.003540535,0.00001523495,0.0000364808,0.00002116903,0.000613159],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.5656464,"threshold_uncertainty_score":0.6249887,"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."}}