To get a loan in the credit union a shareholder must be not only a formally adopted there, but necessary pay in cash contributions, the amount and order of payment of which approved by the General Assembly and fixed by the charter. In the U.S. credit unions timely and full repayment of loans is a common phenomenon. Unpaid and delinquent loans are not more than 3% of their amount. At the organization of the credit union it is important that people know each other and know the extent to which each of them is trustworthy. Corporate alliances are intermediaries between credit unions and financial markets.