Customer and member are not the same thing. A member owns a share of the business and has a vote, with cooperatives having one vote per member. That makes it different to company stock. For consumer cooperative like credit unions, most customers will own a share in the company, but it is not a requirement. For example when you withdraw money from a credit unions ATM, you are a customer of the credit union, but are not necessarily a member. There also are workers cooperatives, where the workers of the company are the members.
Also cooperatives are meant to benefit their members, which makes them different from charities.
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