In the U.S., credit unions have a clear organizational structure. All credit unions belong to one or the other parent credit union (there are 35 of them in the U.S.). Today in the UK there are about 700 credit unions with assets exceeding 200 million pounds. In recent decades, many credit unions began to resort to such form of service as Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. To reduce the risk of default on loans members of the credit union shall the joint guarantee. 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 encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.).