An audit of the NCUA's four permanent funds received a clean audit opinion for2015, according to a report released by the Office of the InspectorGeneral Tuesday.

The audited financial reports included the National Credit UnionShare Insurance Fund, the agency's Operating Fund, the CentralLiquidity Facility and the Community Development Revolving LoanFund, and was prepared by independent auditor KPMG LLP.

The OIG report said there are “three emerging risks” that willprovide unique challenges to the agency, and could potentiallyaffect the safety and soundness of the credit union system and theShare Insurance Fund if not adequately managed in 2016. They wereaging membership, disparities in performance between large andsmall credit unions, and vendor authority. These emerging riskswere in addition to continuing concerns from the 2015report, which included both interest rate risks, as well ascybersecurity concerns.