At the organization of the credit union it is important that people know each other and know the extent to which each of them is trustworthy. 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. Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. 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. When organizing the credit union it is important that people know each other and know the extent to which each of them is trustworthy. Corporate alliances are intermediaries between credit unions and financial markets. In recent decades, many credit unions began to resort to such form of service as Credit unions, like today's credit unions, emerged in the 19th century in Germany as a result of crop failure and famine.
Among the U.S. credit unions, there are three groups that differ in terms of assets, shareholders, and business services. 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. 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.