The difference between credit unions and banks is clearly is apparent when comparing the structure of assets and liabilities of credit unions and banks. To reduce the risk of default on loans members of the credit union shall the joint guarantee. 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 main activities of credit unions, aimed at the organization of mutual aid and social support of citizens is not intended to profit. 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. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. Credit Union - a non-profit financial institution specialized in mutual financial assistance by providing savings and credit services to their members. Corporate alliances are intermediaries between credit unions and financial markets. 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.