1. Hours of Operation
Tuesday 9am – 6p Wednesday - Thursday 9am to 4pm Friday  9am - 4pm Saturday  9am - 1pm

2. Statement of Financial Condition
August 31, 2018 & 2017
Assets
2018
2017
Variance
Cash
2,197,430
1,022,071
1,175,359
Loans
3,271,187
3,128,679
142,508
Investments
16,211,957
17,077,274
(865,317)
Fixed Assets
11,306
14,231
(2,925)
Other
79,599
83,206
(3,607)
Total Assets
21,771,479
21,325,461
446,018
Liabilities & Equity
Liabilities
12,711
12,725
( 14)
Shares
18,806,768
18,571,626
235,142
Equity
2,952,000
2,741,110
210,890
Total Liabilities & Equity

3. Statement of Operations
2018 & 2017
2018
2017
VARIANCE
Income From Investments
190,896
180,767
10,129
Interest on Loans (net)
84,047
85,079
(1,032)
Income From Fees & Charges
77,806
59,464
18,342
Non-Operating Income
152,226
Total Income
504,975
477,536
27,439
OPERATING EXPENSE
Compensation & Benefits
111,914
Association & Professional Dues
Amortization Improvements
4,539
Depreciation Furniture/Fixtures
1,497
701
796
Rent
40,312
Office Operations Expense
114,736
104,748
9,988
Advertising/Promotion/Training
5,275
2,110
3,165
Loan Servicing Expense
1,815
1,207
608
Professional/Outside Services
21,836
15,924
5,912
Provision for Loan Loss
NCUA Operating Fees
3,196
2,859
337
Cash over and Short
(55)
1,264
(1,319)
Annual Meeting Expense
1,347
1,589
(242)
Misc Operating Expense 54
359
(305)
Gain (Loss) on Investment
479
Total Operating Expense
306,466
288,005
18,461
Dividend Expense
50,650
53,075
2,425
Net Income (Loss)
147,859
136,456
11,403

4. Board Chair

5. Financial Preparedness

6. Emergency Financial First Aid Kit

7. When a disaster strikes you may only have seconds or minutes to react.
Are you ready to evacuate your family and pets?
What should you take with you?
What about your finances?

8. Step 1: Assess and Compile
Gather your important documents and contracts and place in a binder.
Consider signing up for direct deposit in the event postal delivery is interrupted.
Print or download to your phone bills and bank statements.
Create and maintain a list of medications, physician and dentist contact information, immunization records, health insurance ID cards, living wills, power of attorney, advance directives, attorney contact information, personal financial statement, vehicle registration, landlord/mortgage representative, insurance agent contact information , etc.
Take photos or record video of the rooms in your home any valuables.
Keep some cash on hand in a safe location.
Step 1: Assess and Compile

9. Step II. Review
Examine insurance policies and financial records to ensure that they are accurate and current.
Home owners and renters make sure your property is sufficiently covered for damages that may occur in a disaster.
Review auto insurance policies and make sure they are current.
Review your bank account information to make sure it reflects updated information.

10. Store all paper and electronic copies of documents in a safe location.
Step III. Safeguard
Store all paper and electronic copies of documents in a safe location.
Consider storing important documents in a fireproof and waterproof box or safe.
Store all electronic documents in a password-protected format on a external hard drive that can be stored in your fireproof safe.
If you bank online, store a paper or electronic copy of bills for use and easy access.
Make sure your family knows where all important documents are kept and the passwords to retrieve electronic documents.

11. Step IV. Update
Make changes to your emergency financial first aid kit often but  especially when you: 
Change insurance providers
Change residence
Open or close bank accounts
Get married
Have children
Retire
Experience a death in the family

12. www. ready. gov/financialpreparedness www. disasterassistance. gov www
loan-scams-after-a-natural-disaster tools/financial-well-being HOPE Coalition America HOPE

14. Documents Everyone Should Have
Power of Attorney - a legal document which allows you to appoint a person or organization to manage your financial and medical affairs if you become unable to do so.
Revocable Trust – or  living trust, a legal document through which your assets are placed into a trust for your benefit during your lifetime and then transferred to designated beneficiaries at your death by your chosen representative, called a "successor trustee."
Last Will & Testament – a legal document that identifies who should receive your property, name guardian for any minor children, and designate someone to carry out your wishes.
Advance Directives – a legal document which lets others know what your medical preferences are in the event you are unable to communicate for yourself due to illness or medical emergency.
Please consult an attorney, financial planner, or the Church for more detailed information.