Modern Examination & Risk Identification Tool (MERIT)

MERIT logoMERIT is the NCUA’s new web-based examination platform that replaces AIRES, a 25-year old legacy examination application. MERIT streamlines the examination process for credit unions and examiners. MERIT offers credit unions the ability to securely:  

  • Transfer files within the context of an examination
  • Provide status updates and request due date changes on examination findings and action items 
  • Retrieve completed examination reports

The NCUA began piloting NCUA Connect with a small group of credit unions and state regulators in the fourth quarter of 2019. The Agency plans to make the system available for broader use in 2021.

MERIT: Frequently Asked Questions

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