If the fund needs more money, the NCUA Board can charge credit unions an additional premium. But credit unions are so healthy they've only needed to pay one premium since 1985. Other deposit insurers receive funding only form annual industry premiums, not from a fixed deposit to the funds. And that's never happened.
Credit unions thrive because of the nature of the credit union movement.
Those associations lobby for laws and regulations that benefit you and all consumers. And leagues provide training and information to help volunteers and staff do their jobs better. And volunteers reduce credit union expenses, helping keep service costs low. In contrast, unpaid credit union volunteers have no personal stake in earnings leading to more-conservative investment choices. Board of directors .