Property credit cooperative.
Property credit cooperative is formed by:
- Obligatory shares and additional equity contributions of the credit cooperative;
- Income from property of the credit cooperative;
- Borrowings  federal credit union ;
- Consistent with the legislation of other Federation sources.
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Credit cooperative property can not be expropriated except in the cases and in the manner provided for by this Federal Law, other federal laws and statutes of the cooperative credit.

The amount of shares of the credit cooperative is a mutual fund credit cooperative. In the mutual fund credit cooperative is subject to charges on shares.

The amount of shares and charges on equity contributions to be made a member of the credit cooperative in a mutual fund, it forms a mutual savings. Upon termination of membership in the credit cooperative charges on equity contributions to be returned to the credit cooperative.

Charter credit cooperative may provide that part of his property is indivisible fund credit cooperative. The decision on the formation and the size of the indivisible fund the general meeting of the credit cooperative.

Indivisible fund credit cooperative created by the entrance and other fees, except for the shares, and the share of income from its own activities credit cooperative.

Indivisible fund credit cooperative shall be distributed among the members of the cooperative credit only in the event of liquidation  federal credit union  .

Credit cooperative funds (mutual fund, mutual financial assistance, the reserve fund, development fund and other funds), the order of their formation, and the use of standards for the loan specified in the charter of the cooperative.

The liability of credit cooperative and its members.
Credit cooperative is liable for its obligations with all of its property and is not liable for the obligations of its members.

Member of the credit cooperative, the fault which credit cooperative has suffered losses, must compensate these losses. Losses credit cooperative, incurred through the fault of its members are covered by its mutual savings or other means in accordance with federal laws.

Credit cooperative shall compensate losses caused by its member credit cooperative.

In case of dispute as to compensation for damages decided by the courts.

Foreclosure of the debts of the credit cooperative in its mutual accumulation is allowed only with a lack of other assets to cover the debt in the manner and within the time limits prescribed by the laws Federation. Recovery of debts to the credit cooperative can not be drawn to the indivisible fund credit cooperative.

A person previously established credit cooperative is responsible for the obligations of the credit cooperative, which arose prior to its entry into the credit cooperative, if provided for in its charter, are confirmed in writing by that person of his acquaintance with the obligations of the credit cooperative, existing at the time the entry of the person in the credit cooperative, and in agreement with the responsibility to bear on them.

The distribution of income credit cooperative.
Income derived from the credit cooperative business activities in accordance with federal laws and statutes credit cooperative, distributed among its members in accordance with the procedure defined by the charter of the credit cooperative.

Accounting and reporting in the credit cooperative.
Credit Cooperative keeps records and provides accounting and statistical reports in accordance with the laws of the Federation.

The financial and business activities of credit cooperatives is subject to annual audit in accordance with the laws of the Federation  federal credit union .