 In the event that the equity ratio of the fund falls below 1.20 percent, the Federal Credit Union Act requires the NCUA Board to charge credit unions a premium or to develop and implement a restoration plan for the fund.The NCUA Board has discretion whether to charge a premium when the equity ratio is between 1.20 percent and 1.30 percent.NCUA has assessed a Share Insurance Fund premium three times since the Fund was recapitalized in 1984