Like any financial institution, credit unions have the financial resources. Credit unions also differ from the traditional consumer cooperatives. Specialization of credit unions to provide financial services to its shareholders requires a particularly strict regulation of membership and acceptable activities. First Credit Union was savings unprofitable institution, or rather credit cooperative, providing services to its members. 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. 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. Over 30% of the assets of credit unions are investments in government securities, certificates of deposit of banks and savings loan associations, as well as in the parent credit unions, and other risk-free investments. The main activities of credit unions, aimed at the organization of mutual aid and social support of citizens is not intended to profit. Credit unions base their activities on savings of shareholders, their shares and savings contributions, which make up the fund of mutual financial assistance - a source of cash loans to shareholders. Unlike banks credit unions limit their activities to a closed circle of people.