section 101 of the Federal Credit Union Act ( 12 U.S.C. 1752 ). (2) Depository institution The term depository institution has the meaning given the term insured depository institution in section 3 of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ). (3) Low-income credit union The term low-income credit union means any entity described in section 19(b)(1)(A)(iv) of the Federal Reserve Act. (4) Minority The term minority means any Black American, Native American, Hispanic American, or Asian American. (5) Minority bank The term minority bank means any bank described in clause (i), (ii), or (iii) of section 19(b)(1)(A) of the Federal Reserve Act for which— (A) more than 50 percent of the outstanding shares of which are held by 1 or more minority individuals