Reputation would not be on you, as a physical human being. It would be on the GPG public key.
Right, I get that. So would the reputation of your GPG key be akin to a credit rating of sorts? Would the CU use the key's reputation as a means of determining the eligibility for a loan? In that case, every new customer would essentially start with zero reputation since there would be no 'credit history' for the key.
Anthony