EN
In the article was made the analysis of the position of co-operative banks and credit unions in Polish financial market. Discussions were based on available financial data and the up-todate literature on the subject. The analysis was provided in period of 2009 to 2013 (according to data in the 1st half-year). In the first part of the article was made analysis of the share in the financial market and comparing with the sector commercial banks of co-operative banks and credit unions. The second part of the article was devoted to discussing some measures which characterize financial position of co-operative banks and credit unions. Indicated potential sources of examined problems of the institution stayed in this part. The third part had character summing up and was concentrating on threats associated with the current situation of co-operative banks and credit unions as well as was signaling directions of action necessary for the withdrawal.