Stability?   Most credit unions are under provincial control and have UNlimite.d insurance coverage (One reason why there are (forced) mergers at times to solve insolvency),
And most act as near-banks, with the credit union ATM machines being universalized across Canada, you can "bank" anywhere, rather than only at CIBC, RBC etc. machines.
And the annual meetings are local, so you can 'scream' (in a quiet voice) at the directors.
Fees?  Always ask, and ask yearly of the tellers, of the clerks, of the manager so that they know you want a better deal, always.
PC financial at the Loblaw's chain(s) is the closed to a Schedule A bank that is cheaper.  But why bother with their higher food prices than most corner greengrocers.