getting steady work is critical. if work dries up, often everyone takes a pay cut till times are good again. some coops pay hourly, not salary, so subsidizing isn't a thing for them. for the ones that do salary, there is the temporary furlough route, but ideally there is savings for such eventualities. savings and / or loans can be used to ride out dry spells.
but generally speaking, coops are more stable than typical corporate businesses simply due to the lack of a billionaire class extracting profits and making big decisions on their whims. coops are democratic (even consensus-based!) so the coop does what is good for the worker, not the billionaire.