Main share of credit unions assets is concentrated in loans (about 50%), while the share of consumer loans in commercial banks and finance companies active operations rarely exceeds 15%. The most common type of loans in credit unions are loans to purchase new and used cars (40%), followed by first mortgages and second mortgages (35%), about 10% are unsecured personal loans to member of unions and about 15% - are loans on credit cards and other loans. 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. The relationship between credit unions and shareholders arise from the membership and are not customer relationship. In some cases, the initiators of credit unions can be trade unions, associations such as social support centers and others.