Is necessary that all shareholders of the credit union were members of a single community, would know each other well enough to enjoy mutual trust. Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. 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. Until the mid-XX century, credit unions in the United States had little assets that did not exceed, as a rule, 100 thousand dollars Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.).