It’s not a matter of individual opinion or “liking”; it’s a structural issue. Even a community-minded, cooperatively-owned credit union faces the same incentives as a commercial bank when making business loans: it’s easier to evaluate and hold accountable a single business owner than a collective of owners.
As a result, cooperatives are easier to start when the founders have personal savings they can draw on, than by taking on business loans. A common model is to start the business “normally” and then sell it to its workers, rather than starting it as a collective up front.