Like any financial institution, credit unions have the financial resources. Specialization of credit unions to provide financial services to its shareholders requires a particularly strict regulation of membership and acceptable activities. Consumer loan and reliable savings - these are the main goals, which mean "natural persons" having decided to unite in credit consumer cooperative. 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.