Facts and Financials

Facts as of April 2015
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 (9) Elected to three-year terms
Chair of the Board - Jim Wendler
President/CEO - John Lund
Total Membership 696,493
Total Assets $6.7 Billion
Rankings 12th largest credit union in assets in the United States
7th largest credit union in membership in the country
Number of Branches 110 Full-service branches
ATM Networks Access 24, CO-OP Network, Visa PLUS
Insured by Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States government. Please visit the NCUA for more information.

2014 Financials

Consolidated Statement of Earnings
Earnings 2014 2013
Interest on Loans $195,565,289 $185,201,826
Interest on Investments $9,762,193 $6,023,906
Other Interest Income $1,549,267 $1,881,493
Fees and Other Revenue $146,382,964 $146,165,115
Total Earnings $353,259,713 $339,272,340
Expenses
Interest Expenses $24,249,232 $25,638,535
Operating Expenses $215,064,801 $214,286,945
Provisions for Loan Loss ($30,803,838) ($12,664,393)
Total Expenses $208,510,195 $227,261,087
Net Earnings before NCUA Assessment $144,749,518 $112,011,253
NCUA Assessment $0 $4,025,572
Net Earnings after NCUA Assessment $144,749,518 $107,985,681

Consolidated Statement of Financial Position
Assets 2014 2013
Cash and Cash Equivalents $523,742,267 $568,812,122
Loans to Members - Net $4,356,692,674 $3,880,816,905
Investments $1,134,461,524 $1,029,712,544
Interest Receivable $14,702,131 $13,112,517
Property & Equipment - Net $188,264,372 $184,018,281
Other Assets $169,402,093 $202,340,653
Total Assets $6,387,265,061 $5,878,813,022
Liabilities
Interest, Dividends & Other Payables $133,504,544 $95,851,964
Deposit Accounts $4,256,042,076 $4,017,311,646
Share Savings $1,338,732,660 $1,196,598,279
Total Liabilities $5,728,279,280 $5,309,761,889
Member Equity
Other Reserves $514,236,263 $461,065,452
Undistributed Earnings $144,749,518 $107,985,681
Total Member Equity $658,985,781 $569,051,133
Total Liabilities & Member Equity $6,387,265,061 $5,878,813,022

Today's Lowest Rates

Type F/V Term APR
Auto Fixed 5 years 2.99%
Auto Variable 5 years 2.99%
RV Variable 12 years 3.50%
Rates Effective July 01, 2015
Mortgage Rates
Type Rate APR
15 Year Fixed 3.125% 3.2249%
30 Year Fixed 4% 4.0574%
Rates Effective July 03, 2015

Mortgage Payment Example

Home Equity Rates
Type F/V Term APR
No Closing Costs First Mortgage 50% LTV Fixed 5 Yrs 2.99%
No Closing Costs Home Equity Line 80% LTV Variable N/A 3.24%
Rates Effective July 01, 2015

HE Payment Example

Type   APR
platinum low rate Variable 6.99%
platinum rewards or cash back Variable 8.25%
classic standard rate Variable 10.50%
classic rewards or cash back Variable 12.25%
Rates Effective July 01, 2015
Certificate Rates
Type APY
12 Month Flexible 0.40%
3-5 Months 0.15%
6-11 Months 0.25%
12-23 Months 0.50%
24-29 Months 0.75%
30-35 Months 0.85%
36-47 Months 1.00%
48-59 Months 1.25%
60 Months 2.10%
Rates Effective July 01, 2015

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