Fund of Mutual Financial Aid of the credit union can be extended by sponsorship contributions from businesses, organizations, including on a returnable basis. Today in the UK there are about 700 credit unions with assets exceeding 200 million pounds. Like the credit cooperatives, credit unions form associations of a higher level, which are called corporate credit unions. 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. National Credit Union Insurance Fund was created by Congress in 1970 to insure deposits of credit union members in the amount of 100 thousand dollars. As of the January 1, 2012 the national associations and confederations unite more than 196 million members participating in the 51,013 credit unions in 100 countries. Credit unions encourage the proper use of shareholders savings, developing social programs (education, health, recreation, housing, etc.).