 The Share Insurance Fund is approximately $13 billion in total, made up of $2.8 billion in retained earnings and approximately $10 billion in contributed capital from credit unions.Contributed capital is the one percent of insured shares deposited by each federal credit union, as well as all federally insured, state-chartered credit unions.The Federal Credit Union Act requires the NCUA Board to set a target equity ratio of at least 1.20 percent and no more than 1.50 percent of total insured deposits.