Typically, donor contributions to the credit unions are targeted and used in the same statutory requirements and restrictions as the Mutual Financial Aid fund as a whole. Principles of cooperative democracy and interaction were adequate to the purposes for which people joined credit unions. Over 30% of the assets of credit unions are investments in government securities, certificates of deposit of banks and savings loan associations, as well as in the parent credit unions, and other risk-free investments. The relationship between credit unions and shareholders arise from the membership and are not customer relationship.