Credit unions also differ from the traditional consumer cooperatives. 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. As of the January 1, 2012 the national associations and confederations unite more than 196 million members participating in the 51,013 credit unions in 100 countries. The value of credit unions is not limited to the role of the economic agent - they are an important element of the social structure and a factor of social stability and progress. A potential new member of a credit union must submit a recommendation of shareholders in which the referee becomes a warrant of a future member of the credit union.