251:
880:
535:
2133:
129:
2153:
2143:
25:
1066:
650:. The president also chooses who will serve as Chairman. No more than two members may be members of the same political party. Board members serve six-year terms, and cannot be reappointed to succeed themselves, unless initially appointed to fill the remainder of an unexpired term. Board members may, however, continue to serve until their successor is confirmed and takes office.
941:
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
1093:
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
1005:
To protect against the failure of more credit unions, the NCUA implemented a 12-month examination cycle for federally insured credit unions to detect problems in individual credit unions before they became insurmountable. NCUA also stepped up administrative actions wherever necessary to ensure prompt
1052:
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
940:
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
633:
As of
December 31, 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
1032:
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
968:
Ultimately, five of the largest wholesale corporate credit unions (Constitution
Corporate, Members United Corporate, Western Corporate, Southwest Corporate, and U.S. Central Corporate) in the United States were rendered insolvent after investing in troubled
626:, insuring the deposits of more than 124 million account holders in all federal credit unions and the overwhelming majority of state-chartered credit unions. Besides the Share Insurance Fund, the NCUA operates three other funds: the NCUA Operating Fund, the
1020:
On August 20, 2019, the D.C. Circuit Court of
Appeals upheld much of the NCUA's 2016 field-of-membership regulations changes, and on June 29, 2020, the Supreme Court of the United States denied an appeal to review the NCUA's 2016 field-of-membership rule.
1113:
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.
984:
and
Congress to establish the Temporary Corporate Credit Union Stabilization Fund (Stabilization Fund) to stabilize the U.S. credit unions, protect the NCUSIF and ensured credit unions, not taxpayers, paid the costs of the Stabilization Fund over
1048:
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.
1001:
In addition to the corporate credit union crisis, the NCUA dealt with the failure of a number of consumer-owned credit unions, which weakened as a result of spikes in home foreclosures, business failures, and unemployment.
820:
Alaska, Arizona, California, Colorado, Guam, Hawaii, Idaho, Illinois, Iowa, Kansas, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oregon, South Dakota, Utah, Washington, Wisconsin, and
Wyoming.
844:
into law in 1934. The law allowed the chartering of federal credit unions in all states. The federal law sought to make credit available and promote thrift through a national system of nonprofit, cooperative credit.
960:
During the 1990s and into the beginning of the 21st century, U.S. credit unions continued to develop as a whole. The NCUSIF also continued to thrive due to very few credit union failures. In 2008 and 2009, the
988:
Re-securitized the unsuccessful mortgage backed securities after liquidating the five failed corporate credit unions. With a government-backed guarantee, the securities were sold to raise nearly $ 30 billion.
952:
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.
794:
Connecticut, Delaware, the
District of Columbia, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, and West Virginia.
1779:
1797:
1812:
807:
Alabama, Arkansas, Florida, Georgia, Indiana, Kentucky, Louisiana, Mississippi, North
Carolina, Oklahoma, Puerto Rico, South Carolina, Tennessee, Texas, and the U.S. Virgin Islands.
1842:
2197:
1625:
2187:
1837:
1802:
1784:
1090:
2001:
1986:
1451:
1483:
994:
Bridge corporate credit unions were established to ensure services continued to be provided to consumer credit unions during the transition and resolution timeframe.
1384:
1143:
965:
exerted a strain on all institutions in the financial services sector – including credit unions. As a result, the Board charged NCUSIF premiums in 2009 and 2010.
2011:
1366:
1057:, and proactively considering future challenges like climate change to mitigate risks posed by rising seas, climbing temperatures, and devastating wildfires.
566:
630:(CLF), and the Community Development Revolving Loan Fund (CDRLF). The NCUA Operating Fund, with the Share Insurance Fund, finances the agency's operations.
608:
1419:
909:. In 1979, a three-member Board replaced the NCUA administrator. Congress added the finishing touches to this new administration with the addition of the
2041:
871:
In the 1940s and 1950s, credit unions grew steadily, reaching a membership of more than six million people at over 10,000 federal credit unions by 1960.
1663:
1618:
46:
39:
1045:
and changes to the agency's regulations by the NCUA Board, the facility experienced a significant increase in its membership and borrowing capacity.
745:
2192:
1789:
687:
214:
89:
2113:
2026:
61:
2051:
2021:
226:
920:
The decade of the 1970s saw substantial growth for existing credit unions, with membership doubling and assets tripling to over $ 65 billion.
2182:
2136:
1611:
68:
1827:
1041:
and enhance its ability to serve as a liquidity backstop for the system during 2020. Following the regulatory enhancements provided by the
865:
2177:
1123:
1437:
1991:
1074:
895:
623:
559:
424:
75:
1822:
1688:
1380:
1996:
2056:
171:
57:
1138:
898:(NCUSIF) to insure credit union deposits. The NCUSIF was created without any tax dollars, capitalized solely by credit unions.
1490:
1924:
1678:
1658:
857:
596:
552:
417:
1648:
1634:
1465:
1133:
997:
Worked together with bridge corporate credit union members and to ensure a seamless transition of services to new entities.
297:
292:
1909:
Credit by Banks and Persons Other Than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stock (Reg U)
1069:
This sign, displayed at all federally insured credit unions, informs members that their savings are insured by the NCUA.
1006:
compliance. By year-end 2009, more than 96 percent of credit unions met the statutory definition of "well capitalized."
2046:
1955:
1673:
1248:
946:
588:
317:
1236:
1163:
2036:
1180:
1128:
962:
457:
108:
2016:
1934:
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82:
1033:
regulatory flexibility, where appropriate, so federally insured credit unions could manage their operational and
1014:
888:
849:
158:
1573:
1817:
1731:
1668:
894:
In 1970, the renaming to National Credit Union Administration was made possible in part by the creation of the
769:
The NCUA is administered through three regional offices, each responsible for specific states and territories.
643:
1965:
335:
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2006:
1880:
1870:
1865:
1774:
1764:
277:
2031:
1960:
327:
622:
With the backing of the full faith and credit of the U.S. government, the NCUA operates and manages the
1970:
1929:
1769:
1653:
1038:
942:
910:
853:
627:
340:
945:, often employees of a particular company or trade. Changes since 1998 as a result of H.R. 1151, the
1759:
474:
1741:
1736:
981:
970:
841:
2087:
1832:
1536:
861:
514:
35:
1385:"Presidential Executive Order on Revising the Seal for the National Credit Union Administration"
1086:
976:
In response to the growing corporate credit union crisis, the NCUA took the following actions:
902:
612:
402:
265:
1312:
1089:
in 1970 to insure members' deposits in federally insured credit unions. On July 22, 2010, the
914:
837:
387:
2108:
2082:
1939:
1919:
1807:
1749:
1706:
1085:
The National Credit Union Share Insurance Fund (NCUSIF) is the federal fund created by the
789:
647:
604:
539:
392:
322:
181:
1345:
8:
1716:
1214:
1875:
1603:
1098:
250:
1367:"Executive Order 13816—Revising the Seal for the National Credit Union Administration"
949:, opened up membership eligibility to include much larger and loosely defined groups.
2152:
2142:
1711:
1299:
1164:"NCUA Budget and Supplementary Materials | National Credit Union Administration"
1080:
891:
to form the modern independent federal agency that presently regulates the industry.
592:
991:
A temporary share guarantee was established for deposits at corporate credit unions.
1754:
1726:
1577:
1514:
1394:
1252:
879:
856:. Regulatory responsibility shifted over the years as the bureau migrated from the
716:
600:
501:
220:
2146:
2118:
397:
374:
1593:
936:
in the early 1980s brought insurance losses. The NCUSIF experienced strain, and
1588:
1389:
1034:
815:
2171:
929:
906:
802:
496:
452:
2156:
1900:
1721:
1010:
937:
933:
462:
1420:"Supreme Court won't hear bankers' appeal in credit union membership suit"
2077:
2072:
1110:
509:
360:
901:
By 1977, services available to credit union members expanded, including
1780:
Financial Institutions Regulatory and Interest Rate Control Act of 1978
1054:
491:
1901:
Prohibition Against the Paying of Interest on Demand Deposits (Reg Q)
1042:
128:
1264:
1199:
24:
833:
595:
to depositors in U.S. depository institutions, the other being the
486:
185:
1452:"Temporary Regulatory Relief in Response to the COVID-19 Pandemic"
616:
308:
1017:
revising the Seal for the National Credit Union Administration.
1065:
973:
that became overwhelmed with unprecedented declines in value.
1913:
Transactions Between Member Banks and Their Affiliates (Reg W)
887:
The growth in credit unions resulted in an overhauling of the
642:
The NCUA is governed by a three-member board appointed by the
1598:
1379:
1029:
On March 10, 2020, the NCUA celebrated its 50th anniversary.
1405:
1215:"Regulatory Monitors: Policing Firms in the Compliance Era"
1043:
Coronavirus Aid, Relief, and Economic Security (CARES) Act
16:
Independent U.S. federal agency for insuring credit unions
1438:"NCUA Observes 50th Anniversary as Independent Regulator"
1091:
Dodd–Frank Wall Street Reform and Consumer Protection Act
761:
756:
732:
727:
703:
698:
1876:
Reserve Requirements for Depository Institutions (Reg D)
1633:
1565:
1144:
List of financial regulatory authorities by jurisdiction
591:
in the United States, one of two agencies that provide
241:
1935:
Availability of Funds and Collection of Checks (Reg CC)
1466:"NCUA's Harper Urges Congress to Increase CDRLF Amount"
1271:. National Credit Union Administration. April 12, 2024
1200:"The NCUA Board; National Credit Union Administration"
2198:
Financial regulatory authorities of the United States
1862:
Extensions of Credit by Federal Reserve Banks (Reg A)
2188:
Independent agencies of the United States government
1097:
Credit unions may also offer an array of additional
658:
The current board members as of September 24, 2024:
883:
The former seal of the NCUA, used from 1971 to 2017
713:
1664:Federal Financial Institutions Examination Council
1584:NCUA's Letters to Credit Unions and Other Guidance
742:
1897:Privacy of Consumer Financial Information (Reg P)
684:
2169:
1589:Search for the NCUA Individual Credit Union Data
2114:History of central banking in the United States
1925:Unfair or Deceptive Acts or Practices (Reg AA)
587:) is an American government-backed insurer of
1619:
560:
1885:Limitations on Interbank Liabilities (Reg F)
1194:
1192:
1190:
1101:which are not covered by federal insurance.
866:Department of Health, Education, and Welfare
1237:Quarterly Credit Union Data Summary 2020 Q4
1124:Title 12 of the Code of Federal Regulations
1626:
1612:
1075:National Credit Union Share Insurance Fund
1037:. Notably, the NCUA worked to bolster the
896:National Credit Union Share Insurance Fund
624:National Credit Union Share Insurance Fund
567:
553:
249:
1823:Fair and Accurate Credit Transactions Act
1689:Office of the Comptroller of the Currency
1187:
1181:"NCUA Budget and Supplementary Materials"
109:Learn how and when to remove this message
1888:International Banking Operations (Reg K)
1794:Competitive Equality Banking Act of 1987
1537:"Matz Launches NCUA's Mycreditunion.gov"
1326:"The 6 Months That Changed Everything".
1064:
878:
2193:Government agencies established in 1970
1212:
1139:NCUA v. First National Bank & Trust
172:Federal government of the United States
2170:
1916:Borrowers of Securities Credit (Reg X)
1542:. National Credit Union Administration
1175:
1173:
1109:On March 9, 2011, then Board Chairman
619:, and supervise federal credit unions.
58:"National Credit Union Administration"
45:Please improve this article by adding
1905:Credit by Brokers and Dealers (Reg T)
1679:Financial Stability Oversight Council
1659:Federal Deposit Insurance Corporation
1607:
1060:
858:Federal Deposit Insurance Corporation
597:Federal Deposit Insurance Corporation
2183:Bank regulation in the United States
1828:Emergency Economic Stabilization Act
1684:National Credit Union Administration
1649:Consumer Financial Protection Bureau
1635:Bank regulation in the United States
1292:National Credit Union Administration
1290:"A Brief History of Credit Unions".
1134:NCUA Corporate Stabilization Program
581:National Credit Union Administration
122:National Credit Union Administration
18:
1170:
1024:
13:
2178:Credit unions of the United States
1674:Federal Reserve Board of Governors
955:
947:Credit Union Membership Access Act
923:
14:
2209:
1746:Interest Rate Control Act of 1966
1557:
1129:Credit Union National Association
2151:
2141:
2132:
2131:
1881:Electronic Fund Transfer (Reg E)
1871:Home Mortgage Disclosure (Reg C)
1866:Equal Credit Opportunity (Reg B)
653:
533:
127:
23:
1930:Community Reinvestment (Reg BB)
1594:NCUA Share Insurance Calculator
1529:
1507:
1476:
1458:
1444:
1430:
1412:
1373:
1359:
1338:
1009:On December 8, 2017, President
889:Bureau of Federal Credit Unions
850:Bureau of Federal Credit Unions
637:
476:Electronic funds transfer (EFT)
159:Bureau of Federal Credit Unions
1669:Federal Housing Finance Agency
1334:(8): 15–19. February 25, 2013.
1319:
1283:
1257:
1242:
1229:
1206:
1156:
644:president of the United States
1:
1381:Office of the Press Secretary
1149:
47:secondary or tertiary sources
2104:Banking in the United States
1775:Electronic Fund Transfer Act
1765:Home Mortgage Disclosure Act
1346:"retrieved on June 25, 2012"
1213:Van Loo, Rory (2018-08-01).
848:At first, the newly created
7:
1961:Federal savings association
1790:Depository Institutions Act
1117:
425:National Credit Union Share
328:Federal savings association
10:
2214:
1770:Community Reinvestment Act
1654:Farm Credit Administration
1515:"Share Insurance Overview"
1104:
1078:
1072:
1039:Central Liquidity Facility
971:mortgage-backed securities
911:Central Liquidity Facility
854:Farm Credit Administration
827:
628:Central Liquidity Facility
609:independent federal agency
2127:
2096:
2065:
1979:
1948:
1940:Truth in Savings (Reg DD)
1894:Loans to Insiders (Reg O)
1851:
1760:Fair Credit Reporting Act
1697:
1641:
418:Federal Deposit Insurance
236:
207:
199:
191:
177:
167:
151:
143:
138:
126:
1920:Truth in Lending (Reg Z)
1891:Consumer Leasing (Reg M)
1742:Bank Holding Company Act
1737:Federal Credit Union Act
1707:Independent Treasury Act
982:U.S. Treasury Department
874:
842:Federal Credit Union Act
540:United States portal
264:This article is part of
2088:Thrift Financial Report
963:global financial crisis
917:for all credit unions.
862:Federal Security Agency
634:Insurance Corporation.
1818:Gramm–Leach–Bliley Act
1087:United States Congress
1070:
980:Collaborated with the
884:
613:United States Congress
599:(FDIC), which insures
403:Certificate of deposit
203:$ 316.8 million (2021)
34:relies excessively on
1949:Types of bank charter
1068:
915:lender of last resort
882:
838:Franklin D. Roosevelt
646:and confirmed by the
427:Insurance Fund (NCUA)
2109:Fair debt collection
2083:CAMELS rating system
1808:Truth in Savings Act
1785:Monetary Control Act
1750:Truth in Lending Act
1484:"Financial services"
1383:(December 8, 2017).
1328:Credit Union Journal
1294:. February 25, 2013.
605:savings institutions
442:Payment and transfer
323:Federal savings bank
1717:Federal Reserve Act
1642:Federal authorities
1219:Faculty Scholarship
1166:. 15 December 2023.
781:States/territories
123:
1732:Glass–Steagall Act
1470:Credit Union Times
1202:. 2 February 2023.
1099:financial services
1071:
1061:Insurance coverage
903:share certificates
885:
852:was housed at the
420:Corporation (FDIC)
121:
2165:
2164:
1980:State authorities
1855:Board regulations
1813:Riegle-Neal IBBEA
1712:National Bank Act
1599:MyCreditUnion.Gov
1406:National Archives
1307:Missing or empty
1081:Deposit insurance
825:
824:
767:
766:
728:December 14, 2020
607:. The NCUA is an
593:deposit insurance
577:
576:
522:
521:
433:
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411:Account insurance
281:
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208:Agency executives
119:
118:
111:
93:
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2135:
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1910:
1853:Federal Reserve
1755:Bank Secrecy Act
1727:1933 Banking Act
1628:
1621:
1614:
1605:
1604:
1578:Federal Register
1569:
1568:
1566:Official website
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1489:. Archived from
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1455:
1454:. 17 April 2020.
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1442:
1441:
1440:. 10 March 2020.
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1395:Washington, D.C.
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1025:2020s and beyond
907:mortgage lending
799:Southern Region
772:
771:
763:
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734:
729:
721:
720:
719:
717:Kyle S. Hauptman
705:
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601:commercial banks
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502:Substitute check
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376:Deposit accounts
311:
310:Banking charters
284:
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221:Kyle S. Hauptman
152:Preceding agency
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19:
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2147:Business portal
2123:
2119:Wildcat banking
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1975:
1944:
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1847:
1833:Credit CARD Act
1699:
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1582:Search for the
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1094:credit unions.
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1035:financial risks
1027:
1015:executive order
958:
956:2000s and 2010s
926:
924:1980s and 1990s
877:
832:As part of the
830:
812:Western Region
786:Eastern Region
757:January 8, 2024
746:Tanya F. Otsuka
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611:created by the
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298:Monetary policy
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223:, Vice Chairman
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139:Agency overview
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40:primary sources
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54:Find sources:
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32:This article
30:
26:
21:
20:
2157:Banks portal
2097:Other topics
2047:Pennsylvania
1956:Credit union
1722:McFadden Act
1683:
1544:. Retrieved
1531:
1521:December 22,
1519:. Retrieved
1509:
1498:. Retrieved
1491:the original
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1404:– via
1400:December 10,
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1350:. Retrieved
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1273:. Retrieved
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1265:"Leadership"
1259:
1253:§ 1752a
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836:, President
831:
768:
673:Took office
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641:
638:Organization
632:
620:
584:
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515:Bill payment
463:Check 21 Act
393:Money-market
318:Credit union
262:
227:Tanya Otsuka
195:1,149 (2020)
178:Headquarters
168:Jurisdiction
105:
96:
86:
79:
72:
65:
53:
33:
2078:CAEL Rating
2073:Call report
1700:legislation
1111:Debbie Matz
943:common bond
840:signed the
753:Democratic
724:Republican
710:Vice chair
695:Democratic
510:ACH Network
361:Credit card
2172:Categories
2022:New Jersey
1987:California
1971:State bank
1838:Dodd–Frank
1546:2011-03-09
1517:. NCUA.gov
1500:2021-06-22
1398:Retrieved
1352:2012-12-22
1348:. Ncua.gov
1309:|url=
1150:References
1079:See also:
1055:wealth gap
1053:close the
1013:issued an
803:Austin, TX
492:Debit card
341:State bank
293:Regulation
217:, Chairman
182:Alexandria
69:newspapers
36:references
2052:Tennessee
1225:(2): 369.
928:The high
816:Tempe, AZ
664:Position
192:Employees
2137:Category
2057:Virginia
2037:Oklahoma
2027:New York
2012:Michigan
2007:Maryland
2002:Illinois
1992:Colorado
1300:cite web
1269:NCUA.gov
1118:See also
834:New Deal
487:ATM card
458:clearing
388:Checking
267:a series
186:Virginia
1997:Florida
1843:EGRRCPA
1576:in the
1105:Website
860:to the
828:History
775:Region
739:Member
617:charter
398:Savings
354:Lending
237:Website
83:scholar
2042:Oregon
1803:FDICIA
1798:FIRREA
1251:
1235:NCUA.
913:, the
681:Chair
670:Party
648:Senate
144:Formed
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78:
71:
64:
56:
2066:Terms
1540:(PDF)
1494:(PDF)
1487:(PDF)
985:time.
875:1970s
667:Name
453:Check
244:.ncua
90:JSTOR
76:books
2032:Ohio
1574:NCUA
1572:The
1523:2012
1402:2017
1332:XVII
1313:help
1277:2024
932:and
905:and
603:and
585:NCUA
579:The
246:.gov
62:news
1223:119
242:www
38:to
2174::
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