Roedd gwaith cychwynnol CCL yn cyd-fynd â’r casgliadau yn adroddiad Pwyllgor yr Economi, Seilwaith a Sgiliau, sef: er bod y sail resymegol dros fanciau cymunedol yn un sy’n argyhoeddi, fod sawl her yr oedd angen eu goresgyn, gan gynnwys costau a’r risg sy’n gysylltiedig â buddsoddi. Yr argymhelliad oedd y dylid, wrth fynd ati i ddatblygu banc cymunedol, ystyried yr effaith ar y sector undebau credyd. Mae hynny wedi bod o gymorth wrth inni ystyried y cynnig i sefydlu banc.
CCL’s initial work concurred with the EIS Committee’s report conclusion that, whilst the rationale for community banks is convincing, there were several challenges that needed to be overcome, including costs and investment risk. It recommended that the development of a community bank should consider the impact on the credit union sector. This has been helpful support as the proposal for a bank has been explored.