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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.

Modern Examination & Risk Identification Tool (MERIT)

MERIT logo 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 3^rd, 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 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 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
MERIT: Frequently Asked Questions
MERIT Training for Credit Unions
Modernized Examination Tools Webinar – September 2021

Last modified on

05/31/24