Many or most all credit unions are OK but don't assume the same about "small regional banks". A relative asked me to research one where she has an account almost exceeding the insured limit. I had not previously heard anything negative about this bank headquartered about 150 miles from me. Turns out it receives the very lowest "star" rating from bankrate.com. No other financial institution I personally have looked up has a rating in that category (except those that have already failed).
Meant to add that the share price falling from $20 to $1.xx in the past few months was a real tip off on the problems at this regional bank — but I hadn’t been following it as I had no reason to.