Regarding Credit Union Times' articles on the effect of increased deposits in individual credit unions on NCUSIF's share equity ratio, either my math is fuzzy or the authors of such articles rationale is flawed. It's not the deluge of deposits in reaction to whatever factors that creates a potential problem. It is the reduced return on "investments" of premiums paid to NCUSIF - isn't it? According to my calculations the ratio of fund balance to insured shares remain constant assuming the return on the fund remains the same, which it hasn't. John Barker CEO Hudson River Teachers FCU Cortlandt Manor, N.Y.