The agency does not oversee any institutions critical to financial stability, Volcker report finds.
Late submission to Congress is the fourth in a row for the agency.
Credit union leaders say they already consider FICO's changes when underwriting loans for members.
The 2012 Temporary Corporate Credit Union Stabilization Fund assessment of 9.5 basis points of insured shares will reduce annualized return on average assets for federally insured credit unions an estimated 8 basis points industry wide, to 0.81%, the NCUA said during its monthly board meeting July 24.
Changes that began to surface in the wealth management realm in 2008 are expected to be realized this year.