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National Credit Union Administration

1775 Duke Street, Alexandria, VA 22314



CHAIRTodd M. Harper
Vice ChairKyle S. Hauptman

MemberRodney E. Hood

Chief of StaffCatherine D. Galicia

Officers Reporting to the Chair

Officers Reporting to the Chair
External Affairs and CommunicationsElizabeth A. Eurgubian
Minority and Women InclusionMiguel A. Polanco

Officers Reporting to the Board

Officers Reporting to the Board

Chief Ethics CounselElizabeth Fischmann
General CounselFrank Kressman
Inspector GeneralJames Hagen

PresidentKeith Morton

Officers Reporting to the Executive Director

Officers Reporting to the Executive Director

Examination and InsuranceKelly Lay
National Examinations and SupervisionScott Hunt

OmbudsmanShameka Sutton, Acting

Eastern—Alexandria, VAJohn Kutchey
Southern—Austin, TXKeith Morton
Western—Tempe, AZCherie Freed

Officers Reporting to the Deputy Director

Officers Reporting to the Deputy Director
EconomistAndrew Leventis
FinancialEugene H. Schied
Human CapitalTowanda Brooks
InformationRobert Foster

Business Innovation(vacancy)
Consumer Financial ProtectionMatthew J. Biliouris
Continuity and Security ManagentKelly Gibbs
Credit Union Resources and ExpansionMartha Ninichuk

The National Credit Union Administration provides a trustworthy credit union system that builds confidence in the Nation's system of cooperative credit.


On June 26, 1934, President Franklin D. Roosevelt approved Public Law 73–467, which also is cited as the Federal Credit Union Act. The U.S. Congress enacted the new law "to establish a Federal Credit Union System, to establish a further market for securities of the United States and to make more available to people of small means credit for provident purposes through a national system of cooperative credit, thereby helping to stabilize the credit structure of the United States" (48 Stat. 1216).

The original Federal Credit Union Act was amended 25 years later by Public Law 86–354, an act of September 22, 1959. The new law created a Bureau of Federal Credit Unions within the Department of Health, Education, and Welfare (73 Stat. 628).

The Federal Credit Union Act was amended further to provide for the "supervision of federally chartered credit unions" (84 Stat. 49). Public Law 91–206, an an act of March 10, 1970, established the Federal Credit Union Administration (NCUA) as an independent Federal agency to charter, regulate, and supervise Federal credit unions.

The Federal Credit Union Act was amended further by "Title V—Credit Union Restructuring" (92 Stat. 3680) of Public Law 95–630, an act of November 10, 1978.

The NCUA regulates and insures all Federal credit unions and insures State-chartered credit unions that apply and qualify for share insurance. The NCUA Board comprises three members whom the President appoints and whom the Senate must confirm. Members serve staggered terms of 6 years, and no more than two of them can belong to the same political party.

Title 12 of the United States Code (U.S.C.) is dedicated to the subjects of "Banks and Banking." Chapter 14 of 12 U.S.C. is dedicated to the subject of "Federal Credit Unions." Statutory material that is associated with the establishment of the NCUA has been assigned to the "General Provisions" sections of the first subchapter in Chapter 14 (12 U.S.C. 1752a).

The NCUA's statement of organization has been assigned to Chapter VII of Title 12 of the Code of Federal Regulations (12 CFR 790.).

The NCUA posts an organizational chart online for viewing and downloading.


Statutory material that is associated with the subject of "Federal Credit Unions" has been codified and assigned to Chapter 14 of 12 U.S.C.

Subchapter II (sections 1781–1790e) of Chapter 14 in 12 U.S.C. is dedicated to codified statutory material on the subject of "Share Insurance."

Rules and regulations that affect credit unions are codified and have been assigned to Subchapter A (Parts 700–761) of Chapter VII in 12 CFR.


Access / Education / Protection

The NCUA protects credit union members and consumers, raises awareness of potential frauds, facilitates access to affordable financial services, and educates consumers on the importance of savings and on ways to improve financial well-being.


NCUA analysts and economists compile data on the credit union system's financial performance, merger activity, changes in credit union chartering and fields of membership, and on broader economic trends that affect credit unions. Information on a single credit union, as well as data reflecting broader nationwide trends are available on the NCUA website.

Regulation / Supervision

The NCUA carries out its supervisory activities through regular examiner contacts and by releasing periodic policy and regulatory information. It regularly examines Federal credit unions to assess their solvency, to ensure their compliance with laws and regulations, and to assist credit union management and improve operations. The NCUA also identifies emerging problems and monitors operations between examinations. NCUA central offices include examination and supervision programs.

Support Services

The NCUA provides support services to the credit union system. For example, it provides training, grants and loans, chartering, and field-of-membership services; maintains the stability of the Share Insurance Fund; manages the assets of failed credit unions; and provides emergency liquidity.

The NCUA grants Federal credit union charters to groups sharing a common bond of occupation or association or to groups within a well-defined neighborhood, community, or rural district. Before granting a Federal charter, the NCUA conducts a preliminary investigation to determine if certain standards have been met.

Public Law 91–468, an act of October 19, 1970, provides for a program of share insurance, in which participation is mandatory for Federal credit unions.

In some States, State-chartered credit unions must participate in the share insurance program. In other States, State-chartered credit unions may opt to participate in the insurance program. The National Credit Union Share Insurance Fund requires each participating credit union to place and maintain a one-percent deposit of its insured savings with the Fund. Credit union members' accounts are insured up to $250,000.

Sources of Information

Activities / Apps

The website has an "Activities and Apps" web page.

Archived Records

The "Guide to Federal Records in the National Archives of the United States" indicates that NCUA records have been assigned to record group 413. The guide does not contain, however, a description that is currently associated with this record group.

Business Opportunities

The NCUA selects vendors who offer value to help the agency fulfill its mission. The Division of Procurement and Facilities Management is responsible for procuring goods and services. Phone, 703-518-6410. Fax, 703-518-6662. | Email:

Career Opportunities

Career information also is available from the Office of Human Resources. Phone, 703-518-6510​. Fax, 703-518-6539. | Email:

The NCUA relies heavily on credit union examiners to carry out its mission. Watch the video "A Day in the Life of a Credit Union Examiner" to learn about the training required and the role a fully trained examiner plays in safeguarding the stability of the Nation's credit union system.

In 2020, the NCUA ranked 9th among 25 midsize Government agencies in the Partnership for Public Service's Best Places To Work Agency Rankings.

Climate Change

On 31 March 2021, Chair Todd M. Harper delivered a risk statement on climate change. Among other things, he said: "The data about extreme weather events and climate risk are clear. Climate change is accelerating and the number—and costs—of climate-related natural disasters is rising, often hitting disadvantaged communities the hardest."

The NCUA's 2022–2026 Strategic Plan contains a section with the heading "Longer-Term Risks." On page 13, the NCUA identifies "Climate-Related Financial Risks" among the longer-term risks. The authors of the plan wrote: "The physical effects of climate change along with associated transition costs pose significant risks to the U.S. economy and the U.S. financial system."

Conserved, Liquidated, and Merged Credit Unions

The Asset Management and Assistance Center conducts credit union liquidations and performs asset management and recovery. It also participates in the operational phases of a failed credit union’s conservatorship and assists with record reconstruction. The Center posts up-to-date information on closed, conserved, liquidated, and merged credit unions on the NCUA website.​​ | Email:

Consumer Assistance

For answers to questions on credit union insurance and other consumer matters or to submit a complaint, contact the NCUA Consumer Assistance Center on weekdays, 8 a.m.–5 p.m., eastern standard time. After regular business hours, a caller may leave a recorded message. Phone, 800-755-1030.

Debt Collection Practices

Federal law prohibits third-party debt collectors from using unfair, deceptive, or abusive tactics to collect money. The website has a page that is dedicated to "Dealing With Debt Collectors."


Read Spanish better than English? Visit the Spanish version of the NCUA website.

Federal Register

Significant documents and documents that the NCUA recently published in the Federal Register are accessible online.

The NCUA encourages the public to submit a comment on its proposed rules. Fax, 703-518-6319. | Email:

Financial Literacy

The NCUA offers financial literacy and educational resources to help consumers increase their savings and achieve their financial goals.

Freedom of Information Act (FOIA)

To any person, the FOIA gives a statutory right for obtaining access to Government information in the records of executive branch agencies. This right to access is limited, however, when the requested information is shielded from disclosure by any of nine exemptions that are contained within the statute. A FOIA request must be made in writing and described as a "Freedom of Information Act Request." | Email:

The NCUA operates a FOIA requester service center to answer questions that are related to the FOIA process, to provide information on the status of a request, and to answer questions about documents that a requester received from the NCUA. Phone, 703-518-6540. Fax, 703-518-6569.


The NCUA maintains a glossary of the common terms associated with the corporate system resolution costs. ​

The website has a web page of "Financial Resources" that include a glossary.

The website has a glossary of common terms associated with the share insurance coverage.


Court reporter Alphonse Desjardins knew loan sharks were charging outrageous rates of interest in Quebec. He did not like their predatory lending and responded by organizing La Caisse Populaire de Levis, the first credit union in North America, to provide affordable credit to working class families. Nearly a decade later, on April 6, 1909, with the assistance of Desjardins, the St. Mary’s Cooperative Credit Association, the first credit union in the United States, opened its doors in Manchester, New Hampshire. Yet the moniker "Father of U.S. Credit Unions" would be earned by another. To learn who this person was and what he did for credit unions, visit the NCUA "Historical Timeline" web page.

The NCUA has posted on YouTube a seven-minute video about its history and the origins of the credit union movement, whose key principles included volunteerism, self-help, one vote per member, and consideration of one's character alongside one's net worth.

Locate a Credit Union

The website features a credit union locator tool that complements the "research a credit union" tool. Requiring a credit union's address, charter number, or name, the tool generates a list of the relevant credit unions and pinpoints them on a map. The locator also allows the user to view contact information, the services that a credit union offers, and directions to it.

Money 101

The NCUA's "Money 101" web page is dedicated to educating the public about money.


The NCUA posts annual reports, events, press releases, speeches, and testimonies.

Open Government

NCUA supports the Open Government initiative by promoting the principles of collaboration, participation, and transparency. The NCUA regards openness, in terms of budget, policy, and operations, as essential to fulfilling its statutory mission and maintaining public trust.

Plain Language

The Plain Writing Act of 2010 supports clear Government communication “to improve the effectiveness and accountability of Federal agencies to the public." Members of the public are welcome to comment on the NCUA’s compliance with the act and to make suggestions for improving communication. Contact the NCUA via email if content in a document or on a web page is difficult to understand. | Email:


The website has a "Brochures and Publications" web page.

​​​Manuals and guides are available online to facilitate compliance with NCUA rules and regulations and with rules and regulations from other agencies. The manuals and guides are not definitive and should be used in conjunction with other supervisory guidance and information provided by the NCUA and other Federal financial services regulators.

Research a Credit Union

The NCUA website features a credit union research tool, which complements the credit union locator. The research tool is text-based, and it can find a credit union and its profile by using a variety of search parameters.

Share Insurance Estimator

The website features a share insurance estimator to help consumers, credit unions, and their members know how NCUA share insurance rules apply to member share accounts—what is insured and what portion, if any, exceeds coverage limits.

Site Map

The website map allows visitors to look for specific topics or to browse for content that aligns with their interests.

Social Media

The NCUA has a Facebook account.

The NCUA tweets announcements and other newsworthy items on Twitter.

The NCUA posts educational videos, quarterly economic updates, and speeches on its YouTube channel.