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. Today in the UK there are about 700 credit unions with assets exceeding 200 million pounds. Typically new members of the credit union become citizens having suretyship or recommendations from their friends - members of the credit union. Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. Membership in the credit union forms responsible citizens and conscientious attitude to their obligations as a norm of behavior, identify the value of a decent man's reputation in the business turnover. As of the January 1, 2012 the national associations and confederations unite more than 196 million members participating in the 51,013 credit unions in 100 countries. Until the mid-XX century, credit unions in the United States had little assets that did not exceed, as a rule, 100 thousand dollars In the case of default the shareholder - individual will respond with its property and, in addition, is jointly and severally liable with the credit union's commitments. On the consumer credit market in the U.S. credit unions are on the third place after the commercial banks and finance companies and are ahead of savings institutions, not taking into account the loans on real estate.