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. In the U.S., credit unions have a clear organizational structure. All credit unions belong to one or the other parent credit union (there are 35 of them in the U.S.). In the credit union compensation for use of the loan (interest) is a source of compensation for savings. Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine. Borrowing rate for the credit union is a source of income to cover the administrative costs. All excess funds are returned to members in the form of dividends on savings. The main advantage of credit unions consists in transparency, controllability, governance for shareholders.