National Credit Union Administration (NCUA) - an independent federal agency, based in Washington (State of Columbia), established by the U.S. Congress to oversee the federal credit union system. Like the credit cooperatives, credit unions form associations of a higher level, which are called corporate credit unions. The number of shareholders of a credit union is limited and formalized by a list. Limit of the number is defined by the assembly and such assembly establishes the charter. Specialization of credit unions to provide financial services to its shareholders requires a particularly strict regulation of membership and acceptable activities. The difference between credit unions and banks is clearly is apparent when comparing the structure of assets and liabilities of credit unions and banks. Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. To reduce the risk of default on loans members of the credit union shall the joint guarantee. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.). Today, the World Council of Credit Unions is represented as members four regional confederations and twelve national associations.