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Supervisory Committee Report: Maintaining the Credit Union’s Safety & Stability

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An image of Doreen Espinoza.

The Board of Directors appoints the America First Supervisory Committee to independently evaluate the credit union’s operations, enterprises, and governance by overseeing the external financial statement audit and internal audit activity, ensuring soundness.

Our efforts are dedicated to America First protecting and safeguarding member assets, implementing adequate controls, following National Credit Union Administration regulations and America First bylaws, and adopting generally accepted accounting principles.

Despite economic fluctuations and ever-present financial challenges, the Internal Audit department completed numerous 2024 organizational assessments, and Deloitte & Touche performed the annual external financial statement audit.

Considering the financial statement audit and internal audit plan results, the Supervisory Committee believes the financial statement provides a fair and accurate representation of our fiscal condition.

We believe this favorable position stems from the Board of Directors’ guidance and management’s leadership. We extend gratitude to the volunteers and staff for their ongoing commitment to improving internal controls and strengthening our focus. We remain steadfastly dedicated to prospering for the membership.


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We're Here to Help You

At America First Credit Union, our chief concern is the financial well-being of members. We strive to provide superior products and services and strengthen the communities we serve.