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. All the members of the credit union, regardless of gender, ethnicity, religious and political beliefs, as well as the size of the monetary share have equal rights. The main advantage of credit unions consists in transparency, controllability, governance for shareholders. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others.