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class="top-logo" title="Home page of NCUA.gov"><img alt=" " src="/themes/main/images/logo-text.svg" id="bottom_logo_text" class="top-logo" aria-hidden="true"></a></div><nav aria-label="Main navigation" id="block-main-main-menu"><ul class="nav-panel root-main-menu level-0"><li class="menu-item menu-item--expanded level-0 has-description" data-url="/about"><div class="anchors"><a href="/about" target="_self" class="menu-parent-link">About</a></div><div class="sub-menu menu level-1"><div class="menu-subpanel menu-subpanel-top"><div class="menu-subpanel--link-wrapper"><div class="main-link arrow-anim-button dark-blue"><a class="blue" href="/about">About</a></div></div><div class="menu-desc"> 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. </div><ul class="nav-panel "><li class="menu-item level-1" data-url="/about/mission-values"><div class="anchors"><a href="/about/mission-values" target="_self" class="menu-parent-link">Mission & Values</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/about/leadership"><div class="anchors"><a href="/about/leadership" target="_self" class="menu-parent-link">Leadership</a></div></li><li class="menu-item level-1" data-url="/about/speaker-request-form"><div class="anchors"><a href="/about/speaker-request-form" target="_self" class="menu-parent-link">Speaker Request Form</a></div></li><li class="menu-item level-1" data-url="/about/historical-timeline"><div class="anchors"><a href="/about/historical-timeline" target="_self" class="menu-parent-link">Historical Timeline</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/about/diversity-inclusion"><div class="anchors"><a href="/about/diversity-inclusion" target="_self" class="menu-parent-link">Diversity & Inclusion</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/about/careers"><div class="anchors"><a href="/about/careers" target="_self" class="menu-parent-link">Careers</a></div></li><li class="menu-item level-1" data-url="/about/business-opportunities"><div class="anchors"><a href="/about/business-opportunities" target="_self" class="menu-parent-link">Business Opportunities</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/about/open-government"><div class="anchors"><a href="/about/open-government" target="_self" class="menu-parent-link">Open Government</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/about/inspector-general"><div class="anchors"><a href="/about/inspector-general" target="_self" class="menu-parent-link">Inspector General</a></div></li><li class="menu-item level-1" data-url="/about/budget-performance"><div class="anchors"><a href="/about/budget-performance" target="_self" class="menu-parent-link">Budget & Performance</a></div></li></ul></div></div></li><li class="menu-item menu-item--expanded level-0 has-description" data-url="/regulation-supervision"><div class="anchors"><a href="/regulation-supervision" target="_self" class="menu-parent-link">Regulation & Supervision</a></div><div class="sub-menu menu level-1"><div class="menu-subpanel menu-subpanel-top"><div class="menu-subpanel--link-wrapper"><div class="main-link arrow-anim-button dark-blue"><a class="blue" href="/regulation-supervision">Regulation & Supervision</a></div></div><div class="menu-desc"> 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. </div><ul class="nav-panel "><li class="menu-item level-1" data-url="/regulation-supervision/letters-credit-unions-other-guidance"><div class="anchors"><a href="/regulation-supervision/letters-credit-unions-other-guidance" target="_self" class="menu-parent-link">Letters to Credit Unions & Other Guidance</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/regulation-supervision/examination-program"><div class="anchors"><a href="/regulation-supervision/examination-program" target="_self" class="menu-parent-link">Examination Program</a></div></li><li class="menu-item level-1" data-url="/regulation-supervision/rulemakings-proposals-comment"><div class="anchors"><a href="/regulation-supervision/rulemakings-proposals-comment" target="_self" class="menu-parent-link">Rulemakings & Proposals for Comment</a></div></li><li class="menu-item level-1" data-url="/regulation-supervision/legal-opinions"><div class="anchors"><a href="/regulation-supervision/legal-opinions" target="_self" class="menu-parent-link">Legal Opinions</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/regulation-supervision/rules-regulations"><div class="anchors"><a href="/regulation-supervision/rules-regulations" target="_self" class="menu-parent-link">Rules & Regulations</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/regulation-supervision/regulatory-compliance-resources"><div class="anchors"><a href="/regulation-supervision/regulatory-compliance-resources" target="_self" class="menu-parent-link">Regulatory & Compliance Resources</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/regulation-supervision/supervisory-review-committee"><div class="anchors"><a href="/regulation-supervision/supervisory-review-committee" target="_self" class="menu-parent-link">Supervisory Review Committee</a></div></li><li class="menu-item level-1" data-url="/regulation-supervision/board-appeals"><div class="anchors"><a href="/regulation-supervision/board-appeals" target="_self" class="menu-parent-link">Board Appeals</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/regulation-supervision/corporate-credit-unions"><div class="anchors"><a href="/regulation-supervision/corporate-credit-unions" target="_self" class="menu-parent-link">Corporate Credit Unions</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/regulation-supervision/regulatory-reporting"><div class="anchors"><a href="/regulation-supervision/regulatory-reporting" target="_self" class="menu-parent-link">Regulatory Reporting</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/regulation-supervision/manuals-guides"><div class="anchors"><a href="/regulation-supervision/manuals-guides" target="_self" class="menu-parent-link">Manuals & Guides</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/regulation-supervision/examination-modernization-initiatives"><div class="anchors"><a href="/regulation-supervision/examination-modernization-initiatives" target="_self" class="menu-parent-link">Examination Modernization Initiatives</a></div></li><li class="menu-item level-1" data-url="/regulation-supervision/cuso-activities"><div class="anchors"><a href="/regulation-supervision/cuso-activities" target="_self" class="menu-parent-link">CUSO Activities</a></div></li></ul></div></div></li><li class="menu-item menu-item--expanded level-0 has-description" data-url="/analysis"><div class="anchors"><a href="/analysis" target="_self" class="menu-parent-link">Analysis</a></div><div class="sub-menu menu level-1"><div class="menu-subpanel menu-subpanel-top"><div class="menu-subpanel--link-wrapper"><div class="main-link arrow-anim-button dark-blue"><a class="blue" href="/analysis">Analysis</a></div></div><div class="menu-desc"> 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. </div><ul class="nav-panel "><li class="menu-item menu-item--collapsed level-1" data-url="/analysis/credit-union-corporate-call-report-data"><div class="anchors"><a href="/analysis/credit-union-corporate-call-report-data" target="_self" class="menu-parent-link">Credit Union & Corporate Call Report Data</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/analysis/chartering-mergers"><div class="anchors"><a href="/analysis/chartering-mergers" target="_self" class="menu-parent-link">Chartering & Mergers</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/analysis/cuso-economic-data"><div class="anchors"><a href="/analysis/cuso-economic-data" target="_self" class="menu-parent-link">CUSO & Economic Data</a></div></li><li class="menu-item level-1" data-url="https://mapping.ncua.gov/ResearchCreditUnion"><div class="anchors"><a href="https://mapping.ncua.gov/ResearchCreditUnion" target="_self" class="menu-parent-link">Research a Credit Union</a></div></li></ul></div></div></li><li class="menu-item menu-item--expanded level-0 has-description" data-url="/support-services"><div class="anchors"><a href="/support-services" target="_self" class="menu-parent-link">Support Services</a></div><div class="sub-menu menu level-1"><div class="menu-subpanel menu-subpanel-top"><div class="menu-subpanel--link-wrapper"><div class="main-link arrow-anim-button dark-blue"><a class="blue" href="/support-services">Support Services</a></div></div><div class="menu-desc"> 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. </div><ul class="nav-panel "><li class="menu-item level-1" data-url="/support-services/access"><div class="anchors"><a href="/support-services/access" target="_self" class="menu-parent-link">ACCESS</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/support-services/credit-union-resources-expansion"><div class="anchors"><a href="/support-services/credit-union-resources-expansion" target="_self" class="menu-parent-link">Credit Union Resources & Expansion</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/support-services/conservatorships-liquidations"><div class="anchors"><a href="/support-services/conservatorships-liquidations" target="_self" class="menu-parent-link">Conservatorships & Liquidations</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/support-services/share-insurance-fund"><div class="anchors"><a href="/support-services/share-insurance-fund" target="_self" class="menu-parent-link">Share Insurance Fund</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/support-services/corporate-system-resolution"><div class="anchors"><a href="/support-services/corporate-system-resolution" target="_self" class="menu-parent-link">Corporate System Resolution</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/support-services/guaranteed-notes-program"><div class="anchors"><a href="/support-services/guaranteed-notes-program" target="_self" class="menu-parent-link">Guaranteed Notes Program</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/support-services/central-liquidity-facility"><div class="anchors"><a href="/support-services/central-liquidity-facility" target="_self" class="menu-parent-link">Central Liquidity Facility</a></div></li></ul></div></div></li><li class="menu-item menu-item--expanded level-0 has-description" data-url="/consumers"><div class="anchors"><a href="/consumers" target="_self" class="menu-parent-link">Consumers</a></div><div class="sub-menu menu level-1"><div class="menu-subpanel menu-subpanel-top"><div class="menu-subpanel--link-wrapper"><div class="main-link arrow-anim-button dark-blue"><a class="blue" href="/consumers">Consumers</a></div></div><div class="menu-desc"> 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. </div><ul class="nav-panel "><li class="menu-item menu-item--collapsed level-1" data-url="https://www.mycreditunion.gov/consumer-assistance-center"><div class="anchors"><a href="https://www.mycreditunion.gov/consumer-assistance-center" target="_blank" class="menu-parent-link">Consumer Assistance Center</a></div></li><li class="menu-item level-1" data-url="https://www.mycreditunion.gov/fraud-prevention-center"><div class="anchors"><a href="https://www.mycreditunion.gov/fraud-prevention-center" target="_blank" class="menu-parent-link">Fraud Prevention Center</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/consumers/share-insurance-coverage"><div class="anchors"><a href="/consumers/share-insurance-coverage" target="_self" class="menu-parent-link">Share Insurance Coverage</a></div></li><li class="menu-item level-1" data-url="https://www.mycreditunion.gov/"><div class="anchors"><a href="https://www.mycreditunion.gov/" target="_blank" class="menu-parent-link">MyCreditUnion.gov</a></div></li><li class="menu-item level-1" data-url="https://mapping.ncua.gov/"><div class="anchors"><a href="https://mapping.ncua.gov/" target="_self" class="menu-parent-link">Credit Union Locator</a></div></li><li class="menu-item level-1" data-url="/consumers/financial-literacy-resources"><div class="anchors"><a href="/consumers/financial-literacy-resources" target="_self" class="menu-parent-link">Financial Literacy Resources</a></div></li><li class="menu-item level-1" data-url="/consumers/property-appraisal-and-valuation-equity"><div class="anchors"><a href="/consumers/property-appraisal-and-valuation-equity" target="_self" class="menu-parent-link">Property Appraisal and Valuation Equity (PAVE)</a></div></li></ul></div></div></li><li class="menu-item menu-item--expanded level-0 has-description" data-url="/news"><div class="anchors"><a href="/news" target="_self" class="menu-parent-link">News</a></div><div class="sub-menu menu level-1"><div class="menu-subpanel menu-subpanel-top"><div class="menu-subpanel--link-wrapper"><div class="main-link arrow-anim-button dark-blue"><a class="blue" href="/news">News</a></div></div><div class="menu-desc"> 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. </div><ul class="nav-panel "><li class="menu-item level-1" data-url="/news/press-releases"><div class="anchors"><a href="/news/press-releases" target="_self" class="menu-parent-link">Press Releases</a></div></li><li class="menu-item level-1" data-url="/news/speeches-testimonies"><div class="anchors"><a href="/news/speeches-testimonies" target="_self" class="menu-parent-link">Speeches & Testimonies</a></div></li><li class="menu-item level-1" data-url="/news/publications-reports"><div class="anchors"><a href="/news/publications-reports" target="_self" class="menu-parent-link">Publications & Reports</a></div></li><li class="menu-item level-1" data-url="/news/board-meetings-agendas-results"><div class="anchors"><a href="/news/board-meetings-agendas-results" target="_self" class="menu-parent-link">Board Meetings, Agendas, & Results</a></div></li><li class="menu-item level-1" data-url="/news/events"><div class="anchors"><a href="/news/events" target="_self" class="menu-parent-link">Events</a></div></li><li class="menu-item menu-item--collapsed level-1" data-url="/news/enforcement-actions"><div class="anchors"><a href="/news/enforcement-actions" target="_self" class="menu-parent-link">Enforcement Actions</a></div></li><li class="menu-item level-1" data-url="/news/budget-supplementary-materials"><div class="anchors"><a href="/news/budget-supplementary-materials" target="_self" class="menu-parent-link">Budget & Supplementary Materials</a></div></li><li class="menu-item level-1" data-url="/news/downloadable-graphics"><div class="anchors"><a href="/news/downloadable-graphics" target="_self" class="menu-parent-link">Downloadable Graphics</a></div></li></ul></div></div></li><li class="menu-item menu-item--expanded level-0 has-description" data-url="/regulation-supervision/regulatory-compliance-resources/cybersecurity-resources"><div class="anchors"><a href="/regulation-supervision/regulatory-compliance-resources/cybersecurity-resources" target="_self" class="menu-parent-link">Cybersecurity Resources</a></div><div class="sub-menu menu level-1"><div class="menu-subpanel menu-subpanel-top"><div class="menu-subpanel--link-wrapper"><div class="main-link arrow-anim-button dark-blue"><a class="blue" href="/regulation-supervision/regulatory-compliance-resources/cybersecurity-resources">Cybersecurity Resources</a></div></div><div class="menu-desc"> 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. </div><ul class="nav-panel "><li class="menu-item level-1" data-url="/regulation-supervision/regulatory-compliance-resources/cybersecurity-resources/ncuas-information-security-examination-and-cybersecurity-assessment"><div class="anchors"><a href="/regulation-supervision/regulatory-compliance-resources/cybersecurity-resources/ncuas-information-security-examination-and-cybersecurity-assessment" target="_self" class="menu-parent-link">NCUA’s Information Security Examination and Cybersecurity Assessment Program</a></div></li><li class="menu-item level-1" data-url="/regulation-supervision/regulatory-compliance-resources/cybersecurity-resources/acet-and-other-assessment-tools"><div class="anchors"><a href="/regulation-supervision/regulatory-compliance-resources/cybersecurity-resources/acet-and-other-assessment-tools" target="_self" class="menu-parent-link">ACET and Other Assessment Tools</a></div></li><li class="menu-item level-1" data-url="/regulation-supervision/regulatory-compliance-resources/cybersecurity-resources/supply-chain-risk-management-scrm"><div class="anchors"><a href="/regulation-supervision/regulatory-compliance-resources/cybersecurity-resources/supply-chain-risk-management-scrm" target="_self" class="menu-parent-link">Supply Chain Risk Management (SCRM)</a></div></li><li class="menu-item level-1" data-url="/regulation-supervision/regulatory-compliance-resources/cybersecurity-resources/cyber-incident-reporting"><div class="anchors"><a href="/regulation-supervision/regulatory-compliance-resources/cybersecurity-resources/cyber-incident-reporting" target="_self" class="menu-parent-link">Cyber Incident Reporting</a></div></li><li class="menu-item level-1" 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