My understanding: there are a lot of varieties of coops, consumer coops (REI, the Green Bay Packers, in some respects) are primarily owned by their customers, purchasing coops like ACE Hardware are owned by a group of businesses to increase buying power, and most relevant to this thread, worker coops are where workers own the enterprise. Multi-stakeholder cooperatives blend multiple forms of ownership to try to align the incentives of the enterprise with everyone who has a stake in its success. To me, it sounds really hard to get right, but also transformative if you can, so I’m very interested to learn more!

Credit unions are also examples of customer owned cooperatives

Multi-stakeholder co-operatives are co-ops with more than one "owner" class. For example, a multi-stakeholder food co-op could be owned by both consumers of the store, and the workers of the store. The co-op's by-laws determines how the groups differ and how the equity share (and patronage dividends) work out.