(a) Subject to the provisions of subsection (b) of this section, a credit union may participate with a depository financial institution or a credit union service
organization for purposes of making a loan to a credit union member in accordance with the lending policies of the board.
(b) A credit union may participate in a loan under subsection (a) of this section provided that the credit union that originates the loan retains an interest of at least 10% of the face amount of the loan.