MERIT is the NCUA’s new web-based examination platform that replaces AIRES, a 25-year old legacy examination application. MERIT streamlines the examination process for credit unions and examiners and offers examiners robust financial analytics for in-depth analysis.
Additionally, MERIT offers credit union users the ability to securely:
- Transfer files within the context of an examination
- Provide status updates and request due date changes on examination findings and action items [Note: Effective June 3, 2024, the NCUA and State Supervisory Authority examiners will no longer assign corrective actions to credit union users in MERIT due to system changes. For credit union users who have Actions assigned in MERIT prior to June 3rd, you should continue to provide status updates in MERIT until outstanding items are closed. Please contact your examiner with any questions.]
- Retrieve completed examination reports
MERIT is accessible through This is an external link to a website belonging to another federal agency, private organization, or commercial entity. NCUA Connect (Opens new window) , the NCUA’s web-based entry point for agency applications. Contact your organization’s Admin Portal administrator for access. Contact the NCUA OneStop Help Desk for technical assistance at OneStop@NCUA.gov.
To find out more information about MERIT, refer to the user guides and frequently asked questions. Additionally, MERIT training modules are available from the link below or on the NCUA’s Office of Credit Union Resources and Expansion (CURE) Learning Management Service webpage.
MERIT: User Guide (Opens new window)
MERIT: Frequently Asked Questions
This is an external link to a website belonging to another federal agency, private organization, or commercial entity. MERIT Training for Credit Unions (Opens new window)
This is an external link to a website belonging to another federal agency, private organization, or commercial entity. Modernized Examination Tools Webinar – September 2021 (Opens new window)