I'm using my non-profit credit union as an example. They are non-profit, they pay their bills, their services are better and cheaper than a for-profit bank.
Now you tell me, in detail, why I must be making that up, since you say it can't happen.
You are making up the supposition that your credit union does not make a profit.
Credit unions are not "non-profit" organizations. If you expect your credit union to exist for any period of time, then they had better make some sort of profit or "surplus". Maybe you should go to your credit union's annual meeting or ask an officer or member of the board of directors to educate you. I assure you that somewhere in their financial statements, there is some form of equity/surplus account.

should force membership in a voluntary association organization. That really does not make any sense.