The total shares of a credit union, which is also called ‘Share Capital’, refers to the total amount of shares deposited in a credit union. When people deposit their money in a credit union in the form of savings they are actually buying shares which make them part owner (member) of the credit union. These savings then form a pool of funds which allows money to be lent to members of that credit union. The total shares of a credit union refer to the total accumulation of such pool of funds.