CUCM is the trade association for Manitoba's credit unions, and is owned co-operatively by the Credit Unions of Manitoba. Eac ... h Credit Union is an autonomous organization with its own Board. CUCM's Board is comprised of representatives of the Manitoba Credit Union system. Credit Unions are co-operatives owned by their members, and CUCM is itself a co-operative, owned in turn by its member credit unions. CUCM manages liquidity reserves, monitors credit granting procedures, and provides numerous consulting and financial services to credit unions. Services include: advocacy, government relations, banking & clearing, treasury, corporate governance, strategic business and HR consulting, human resources outsourcing, communications & marketing, planning, research and change services. read more