АҚШ Кредит Одақтарын Сақтандыру Ұлттық Әкімшілігінің Тарихы мен Қызметі

Independent U. S. federal agency for insuring credit unions

as of 2020, there were 5,099 federally insured credit unions, with assets totaling more than $1.84 trillion, and net loans of $1.16 trillion. The NCUA exclusively insures credit unions, whereas commercial banks and savings institutions are insured by the Federal Deposit Insurance Corporation.

The NCUA is governed by a three member board appointed by the president of the United States and confirmed by the Senate. The president also chooses who will serve as Chairman. Board members serve six year terms, although members often remain until their successors are confirmed and sworn in. By 1977, services available to credit union members expanded, including share certificates and mortgage lending. In 1979, a three member Board replaced the NCUA administrator. Congress added the finishing touches to this new administration with the addition of the Central Liquidity Facility, the lender of last resort for all credit unions. The decade of the 1970s saw substantial growth for existing credit unions, with membership doubling and assets tripling to over $65 billion.

The high interest rates and unemployment in the early 1980s brought insurance losses. The NCUSIF experienced strain, and credit unions lobbied Congress to recapitalize the Fund. In 1985, the plan became law, and federally insured credit unions recapitalized the NCUSIF by depositing 1 percent of their shares into the NCUSIF. The fully capitalized National Credit Union Share Insurance Fund has "fail safe" features. In 1991, when equity level dipped below 1.23 percent, the Board charged credit unions a premium to insure deposits. The enhancement of member services in the 1980s accompanied deregulation and increased flexibility in merger and field of membership criteria. Previously, membership in credit unions was generally limited to select groups with a pre existing common bond, often employees of a particular company or trade. Changes since 1998 as a result of H. R. 1151, the Credit Union Membership Access Act, opened up membership eligibility to include much larger and loosely defined groups. During the 1990s and into the 21st century, credit unions grew steadily in assets, shares and members. Failures remained generally low, and the Share Insurance Fund maintained a healthy equity level.

On March 10, 2020, the NCUA celebrated its 50th anniversary. On March 16, 2020, in response to the global coronavirus pandemic, the NCUA issued a Letter to Credit Unions that outlines several strategies credit unions may consider when determining how to address the challenges associated with COVID 19. Throughout the pandemic, the NCUA provided targeted regulatory flexibility, where appropriate, so federally insured credit unions could manage their operational and financial risks. Notably, the NCUA worked to bolster the Central Liquidity Facility and enhance its ability to serve as a liquidity backstop for the system during 2020. Following the regulatory enhancements provided by the Coronavirus Aid, Relief, and Economic Security (CARES) Act and changes to the agency's regulations by the NCUA Board, the facility experienced a significant increase in its membership and borrowing capacity. Because the COVID 19 pandemic posed unique economic and financial challenges to rural and underserved communities, the NCUA committed the majority of its 2020 Community Development Revolving Loan Fund allocation to COVID 19 assistance. In 2021 and beyond, the NCUA's goals include advancing economic equity and justice within the credit union movement and build on the agency's ACCESS program. Plans call for enhancing support for minority depository institutions, ensuring compliance with fair lending laws, advancing initiatives to close the wealth gap, and proactively considering future challenges like climate change to mitigate risks posed by rising seas, climbing temperatures, and devastating wildfires.

The National Credit Union Share Insurance Fund (NCUSIF) is the federal fund created by the United States Congress in 1970 to insure members' deposits in federally insured credit unions. On July 22, 2010, the Dodd–Frank Wall Street Reform and Consumer Protection Act was signed into law and included permanently establishing NCUA's standard minimum share insurance amount at $250,000. The NCUA operates and manages the NCUSIF, insuring the deposits of more than 111 million account holders in all federal credit unions and the overwhelming majority of state chartered credit unions. Credit unions may also offer an array of additional financial services which are not covered by federal insurance.

On March 9, 2011, then Board Chairman Debbie Matz unveiled MyCreditUnion. gov, a source of educational information and personal finance tips designed to help individuals make financial decisions. The website also explains how credit unions work, where to find one, and even how to start a credit union.