(a) In this section, “examiner” means:
(1) The Commissioner; and
(2) An individual whom the Commissioner designates as examiner.
(b) An examiner shall visit each credit union and examine its business:
(1) At least once during each calendar year, unless the Commissioner determines that, during a calendar year, an examination is unnecessary, in which event an examination shall occur no less frequently than once every 18 months;
(2) When requested by the board or supervisory committee of the credit union; and
(3) At any other time that the Commissioner considers necessary.