Fund of Mutual Financial Aid of the credit union can be extended by sponsorship contributions from businesses, organizations, including on a returnable basis. National Credit Union Administration (NCUA) - an independent federal agency, based in Washington (State of Columbia), established by the U.S. Congress to oversee the federal credit union system. Credit unions also differ from the traditional consumer cooperatives. First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. To reduce the risk of default on loans members of the credit union shall the joint guarantee. Credit union as a consumer cooperative operates on the principles of equality of all its members. Corporate alliances are intermediaries between credit unions and financial markets.