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Modern Examination & Risk Identification Tool (MERIT)

MERIT logoMERIT 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
  • Retrieve completed examination reports

MERIT is accessible through NCUA Connect, 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

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
MERIT: Frequently Asked Questions
MERIT Training for Credit Unions
Modernized Examination Tools Webinar – September 2021

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