it's amazing that every article and video I watch basically emphasizes the following claim, "timestamps on transactions" are determined by the community. Yet, just because transactions are inserted in their "correct order", does not imply they are "valid" transactions. In the context of a credit union alliance, it's probably fine as they more or less trust one another. However, they will still need to implement other ways to assert the validity of the underlying transactions themselves.

Fair Ordering - No single party can influence the order of transactions that the network ultimately agrees on. Competing platforms put the power of transaction order into the hands of a single party. With hashgraph, timestamps on transactions are determined by the community as a whole, not a single leader.

As for US experts calling things out to help people avoid losses, never rely on anyone but yourself to protect you. If you have any doubts to that effect, read this article I posted last week: "How much would STEEMIT or BitShares be worth as SHARES on the New York Stock Exchange?!".