Byddai ychydig llai na hanner y sefydliadau wedi gorfod defnyddio eu cronfeydd wrth gefn, a gallai hyn fod wedi rhoi llawer mewn sefyllfa weithredu ansicr, neu mewn perygl o orfod cau neu fynd i’r wal oherwydd dylanwadau economaidd yn y dyfodol.
Just under half of organisations would have had to draw on their reserves which may have placed many in a precarious operating position, vulnerable to failure or closure because of future economic influences.