MERIT Frequently Asked Questions

The Modern Examination and Risk Identification Tool (MERIT) is NCUA’s modernized examination tool replacing AIRES. MERIT is the platform for examination information. Although MERIT offers functionality for credit unions to securely interact with NCUA, credit unions are not required to use MERIT.

Beyond providing a better tool to examiners, we implemented more efficient and secure ways to interact with credit unions during the examination process. MERIT includes ways for credit unions to securely send documents and data files to examiners, retrieve examination reports, and respond to examination findings through MERIT.

No. Examiners can only access documents once they are submitted to the examiner through a document request survey.

The NCUA Connect administrator for your organization will grant access to NCUA Connect and users will receive an email notification to set up their NCUA Connect account. Once complete, users will have access to MERIT. Authorized users can access MERIT by logging into NCUA Connect at This is an external link to a website belonging to another federal agency, private organization, or commercial entity. https://ncua.okta.com (Opens new window) .

Refer to the following webpage for information about the security of the NCUA’s systems.
Collection of Examination and Supervision Information From Federally Insured Credit Unions | National Credit Union Administration (ncua.gov)

NCUA examiners and state regulators can assist credit unions with many questions. Credit unions can also submit questions to NCUA’s technical support team via email at OneStop@ncua.gov. Technical support is available from 7 a.m. to 8 p.m. Eastern, Monday through Thursday; and 7 a.m. to 6 p.m. Eastern on Friday (excluding holidays).