(a) To the extent of a member’s direct or indirect indebtedness to a credit union, the credit union has:
(1) a lien, enforceable with or without judicial process, on the member’s shares and deposits, accumulated dividends, and interest; and
(2) a right to set off against the member’s shares, deposits, accumulated dividends, and interest.
(b) A credit union may allow a withdrawal to be made without affecting the credit union’s right to a setoff or lien.