When organizing the credit union it is important that people know each other and know the extent to which each of them is trustworthy. 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. International cooperation has been particularly felt since the days when Alphonse Desjardins began the activity on development of credit union movement in North America. Shareholders in corporate organizations are basic credit unions, besides the same union can be a shareholder of several corporate organizations.