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The National Credit Union Share Insurance Fund was created by Congress in 1970 to insure members' deposits in federally insured credit unions. For a complete directory of federally insured credit unions, visit the. An NCUA-insured institution is a financial institution that is a participant of the National Credit Union Administration (NCUA) program. The National Credit Union Administration (NCUA) is the independent agency that administers. The NCUA was created by Congress in 1970 to regulate federal credit unions and insure deposits at all federally insured credit unions. The NCUA is a federal agency created by Congress to regulate credit unions and insure your money.