The difference between credit unions and banks is clearly is apparent when comparing the structure of assets and liabilities of credit unions and banks. 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. Credit union services are available only to its shareholders. Since the early 80's started the process of consolidation of credit unions, leading to a decrease in their number with a simultaneous increase in the total number of members. Credit unions are financial institutions, financial cooperatives of citizens, and in this capacity they are above all associations of people, not unification of capitals, which is typical, for example, for public companies. Credit unions base their activities on savings of shareholders, their shares and savings contributions, which make up the fund of mutual financial assistance - a source of cash loans to shareholders.