This article explores how banks and credit unions in the US have adapted their business models since the financial crisis of 2007-2009. By analyzing data from 2000 to 2014, the researchers identified four bank business models and three credit union business models based on their activities and funding sources. They found that these different models have varying impacts on the economy, risk levels, and responses to regulations. This study provides valuable insights into how financial institutions operate and contribute to the overall financial stability of the country.