When organizing the credit union it is important that people know each other and know the extent to which each of them is trustworthy. Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. 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. Until the mid-XX century, credit unions in the United States had little assets that did not exceed, as a rule, 100 thousand dollars