Credit Unions Could Retire a Special Reserve Rule for Investments
Published Date: 10/21/2026
Proposed Rule
Summary
The NCUA wants to make life easier for state-chartered credit unions by dropping the rule that forces them to set aside special reserves for certain investments. This change cuts red tape without risking the safety of the National Credit Union Share Insurance Fund. If you’re involved with these credit unions, get your thoughts in by December 21, 2026!
Analyzed Economic Effects
2 provisions identified: 2 benefits, 0 costs, 0 mixed.
Remove special reserve for state credit unions
The NCUA proposes to remove the rule that requires federally insured, state-chartered credit unions (FISCUs) to set aside a special reserve for investments that are beyond those authorized for federally chartered credit unions. If adopted, FISCUs would no longer need to account for that special reserve or hold capital related to certain nonconforming investments; the Board notes only seven FISCUs currently report such a reserve.
No significant impact on small credit unions
The NCUA certifies that the proposed rule would not have a significant economic impact on a substantial number of small credit unions. For this analysis, the agency defines small credit unions as those with under $100 million in assets.
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Key Dates
Department and Agencies
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