Facts and Financials

Facts as of April 2009
Founded March 16, 1939
Organization Type A member-owned, not for profit cooperative financial institution
Charter Federal
Regulatory Agency National Credit Union Administration (NCUA)
Leadership/Board of Directors (11) Elected to 3-year terms.
Chairman of the Board - James Wendler
President/CEO - Rick Craig
Total Membership 495,939
Total Assets $4.87 billion in assets
Rankings 11th largest credit union in assets in the United States
6th largest credit union in membership in the United States
Number of Branches 88 full-service branches
ATM Networks Access 24, CO-OP Network, VISA-PLUS
Insured by Your savings federally insured to at least $100,000 (protection temporarily increased to $250,000 on all types of accounts until December 31, 2013) and backed by the full faith and credit of the United States Government. Please visit NCUA for more information.
Statement of Consolidated Earnings 2008
Earnings 2008 2007
Interest on Loans $268,359,762 $241,441,876
Interest on Investments $5,063,490 $8,630,568
Other Interest Income $3,824,837 $10,319,260
Fees and Other Revenue $100,168,952 $86,595,442
Total Earnings $377,417,041 $346,987,146
Expenses
Interest Expenses $118,270,824 $123,719,251
Operating Expenses $164,712,262 $143,487,069
Provisions for Loan Loss $64,275,376 $24,475,709
Total Expenses $347,258,462 $291,682,029
Net Earnings before NCUA Impairments $30,158,579 $55,305,117
NCUA Impairments $29,548,287 $0
Net Earnings after NCUA Impairments $610,292 $55,305,117
Statement of Financial Position 2008
Assets 2008 2007
Cash $144,646,984 $219,862,956
Loans to Members - Net $4,042,252,980 $3,556,771,227
Investments $93,172,106 $166,574,761
Interest Receivable $16,174,165 $16,924,541
Property & Equipment - Net $183,778,927 $125,199,608
Other Assets $58,959,864 $70,919,790
Total Assets $4,538,985,026 $4,156,252,883
Liabilities
Interest, Dividends & Other Payables $168,961,798 $54,155,661
Deposit Accounts $3,445,433,976 $3,150,962,862
Share Savings $520,241,898 $515,189,625
Total Liabilities $4,134,637,672 $3,720,308,148
Member Equity
Other Reserves $403,737,062 $380,639,618
Undistributed Earnings $610,292 $55,305,117
Total Member Equity $404,347,354 $435,944,735
Total Liabilities & Member Equity $4,538,985,026 $4,156,252,883

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Today's Rates

Loans Mortgage Visa Savings
Type F/V Term APR
Auto Variable 7 years 5.24%
Auto Fixed 7 years 5.99%
RV Variable 7 years 5.74%
Rates Effective March 01, 2010
Mortgage Rates
Type Rate APR
15 Year Fixed 4.375% 4.4784%
30 Year Fixed 5.125% 5.1864%
Rates Effective March 12, 2010

Mortgage Payment Example

Home Equity Rates
Type F/V Term Rate
80% Standard Closed End Term Fixed 5 Yrs 5.49%
80% Standard Line of Credit/Line Plus Variable N/A 4.25%
Rates Effective March 01, 2010

HE Payment Example

Type   APR
platinum rewards or cash back Variable 8.25% - 18.00%
classic low rate Variable 9.50% - 18.00%
classic no annual fee Variable 10.50% - 18.00%
classic cash back Variable 12.15% - 18.00%
Rates Effective March 01, 2010
Certificate Rates
Type APY
12 Month Flexible 0.65%
3-5 Months 0.25%
6-11 Months 0.40%
12-23 Months 0.75%
24-29 Months 1.25%
30-35 Months 1.50%
36-47 Months 1.75%
48-59 Months 2.05%
60 Months 2.75%
Rates Effective March 10, 2010

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