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. To date, credit unions - virtually the only form of financial institution where people can quickly and without any problems get a relatively inexpensive cash loan. The economic basis of credit unions - finances of a household. The main objective of the credit union - to ensure financial stability of a household, to ensure the priority of their shareholders' financial interests. The difference between credit unions and banks is clearly is apparent when comparing the structure of assets and liabilities of credit unions and banks. Typically new members of the credit union become citizens having suretyship or recommendations from their friends - members of the credit union. 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. Standards by which credit unions build their work do not coincide with the standards and regulations of consumer cooperation of the usual type. Credit Union - a non-profit financial institution specialized in mutual financial assistance by providing savings and credit services to their members. Worldwide credit union movement is represented by regional confederations and national organizations within the World Council of Credit Unions.