Within the context of this America First Annual Report, you’ll find data, market analysis, examples of how we invested common resources to benefit the membership, and other numbers that illustrate an outstanding year—in fact, one of our best to date.

Therefore, it is my pleasure to report we worked earnestly to provide you, our members, with an exceptionally strong financial performance, paralleled with a lasting commitment to service and community. I am filled with pride each time I see our name and logo displayed on booths, signs and other media in the areas we support. America First employees donate hundreds of hours monthly, giving of their time and expertise to promote the common good. Our heritage is strong and the future remains promising.

Collaborating with my fellow volunteers on the Board of Directors, committee members and senior management, it strikes me as remarkable how we continue to expand, improve, and make significant progress to prevent fraud, improve technology, minimize risks and bolster controls. 

Efforts to simplify the member experience and enhance convenience are ongoing. Diverse products to improve your financial well-being are developed across every segment. Several new branches in six states were opened in a thoughtful and methodical manner. We recognize many members choose technological account access, but research has proven our branch presence is an essential strategy. We strive to deliver innovative products to preserve both present and forthcoming stability.

As we navigate this complex political and economic environment, we truly appreciate your loyalty and commitment to America First. I am often asked how it feels to serve on the board of a multi-billion-dollar entity. I reflect on this question often. From a first-hand perspective, the conversation always revolves around how our decisions affect members, which is the first and foremost criteria for any action taken. Financial gain does not supersede other determining factors; in fact, it’s inspirational our guiding principle is doing what is best for the membership. It is a simple truth and the reason we have experienced remarkable growth.

Our organization is vibrant and we want every member to have a positive experience. The America First employee team is talented and dedicated to building lifelong relationships. They are well trained and stand as our very core. We seek continual feedback from all areas. The executive team is heralded in national forums, serving the credit union movement on local, state, and national levels, being recognized for exceptional leadership.

There is something noble about the pioneers who preceded us, with vision and foresight in both challenging and prosperous times. We honor their legacy and hold their founding principles dear. We adapt and change to your needs and have what it takes to get the job done. We endeavor to earn and maintain your trust and are thankful for the ongoing support.