Who does the NCUA serve?

The National Credit Union Administration (NCUA) serves both federal and state-chartered credit unions. This organization is responsible for ensuring the safety and soundness of these credit unions through regulation, supervision, and insurance of member deposits. By providing a federal insurance program for credit unions, the NCUA helps to promote public confidence in the safety of credit union deposits, similar to how the FDIC protects deposits in banks.

The other options do not cover the scope of the NCUA's mission. Large commercial banks, insurance companies, and small business loans are not directly served by the NCUA, as its primary focus is on the credit union sector. Thus, the correct answer highlights the NCUA's role in supporting credit unions, which are not-for-profit financial cooperatives that serve their members.