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About
About
Created by the U.S. Congress in 1970, the National Credit Union Administration is an independent federal agency that insures deposits at federally insured credit unions, protects the members who own credit unions, and charters and regulates federal credit unions.
Regulation & Supervision
Regulation & Supervision
The NCUA protects the safety and soundness of the credit union system by identifying, monitoring and reducing risks to the National Credit Union Share Insurance Fund. Backed by the full faith and credit of the United States, the Share Insurance Fund provides up to $250,000 of federal share insurance to millions of account holders in all federal credit unions and the overwhelming majority of state-chartered credit unions.
Analysis
Analysis
The NCUA’s economists and analysts compile data on the credit union system’s financial performance, merger activity, changes in credit union chartering and fields of membership, as well as broader economic trends affecting credit unions. Users can find information on a single credit union or analyze broader nation-wide trends.
Support Services
Support Services
The NCUA provides a number of support services to the credit union system, such as providing training, grants and loans, chartering, and field-of-membership services; maintaining the health and stability of Share Insurance Fund; managing the assets of failed credit unions; and providing emergency liquidity.
Consumers
Consumers
The NCUA works to protect credit union members and consumers, raise awareness of potential frauds, facilitate access to affordable financial services, and educate consumers on the importance of savings and how they can improve their financial well-being.
News
News
Stay up to date on the NCUA's activities by subscribing to the NCUA's Express messages. Read press releases, speeches, testimony, and Annual Reports. Register for upcoming conferences and events.
Cybersecurity Resources
Cybersecurity Resources
Cyberattacks and cybersecurity vulnerabilities pose significant risks to the financial system. Because of vulnerabilities within the credit union industry and the broader financial system to potential cyberattacks, cybersecurity is one of the NCUA’s top supervisory priorities and a top-tier risk under the agency’s enterprise risk-management program.

Credit Union Resources and Expansion

The NCUA’s Office of Credit Union Resources and Expansion supports credit union growth and development. We assist low-income and minority credit unions, as well as all credit unions seeking assistance with chartering, charter conversions, bylaw amendments, field-of-membership expansion requests and low-income designations. We also provide access to online training and resources and to grants and loans through the Community Development Revolving Loan Fund. A list of CURE office contacts is available here.

Minority Depository Institutions

MDI credit unions follow a business model tailored to meet the need of minority communities. The NCUA supports these credit unions with a similarly tailored program to help them expand and improve their services.

Grants and Loans

The Community Development Revolving Loan Fund grant and loan program provides funds to low-income credit unions so they may develop and provide new products and services to their members.

Learning

Our webinars and online Learning Management Service offer a wealth of educational materials for credit unions of all asset sizes at no cost.

Field-of-Membership Expansion

Credit unions looking to expand their field of membership can access a wealth of resources, including forms, our Chartering Manual, and information on the low-income designation.

Starting a New Federal Credit Union

Credit unions need a charter from either the NCUA or a state credit union regulator to operate. Here, we provide information on how to start a federal credit union.

Mergers

Credit unions who are interested in voluntarily planning to merge with other federally insured credit unions can access helpful resources and information, including forms and frequently asked questions.

The NCUA is committed to providing an excellent user experience to all individuals, including persons with disabilities. If you require an accommodation to access information on or to use this website, contact us to request one. Please visit the NCUA's Accessibility Statement for additional information.

Last modified on

09/05/24