In the U.S. credit unions timely and full repayment of loans is a common phenomenon. Unpaid and delinquent loans are not more than 3% of their amount. In the credit union compensation for use of the loan (interest) is a source of compensation for savings. In the UK, credit unions are a source of financing of people groups. This tool is not widely used. Credit Union - one of the most attractive financial institutions for the public being a non-profit alternative to banks. Credit union as a consumer cooperative operates on the principles of equality of all its members.