TO OUR MEMBERS:

Last year marked a significant milestone as we commemorated our 90th anniversary. Throughout the year, we recognized this achievement through a series of loan promotions and by hosting a community Shred Event. In a time of continued uncertainty, it was particularly meaningful to give back to our members, whose ongoing support and loyalty made this milestone possible.

Today, we are proud to serve a growing community that includes more than 145 Select Employer Groups and two branch locations.

In 2025, we remained focused on what matters most: serving you and safeguarding your financial well-being. We are pleased to report strong financial performance, ending the year with a net income
of $1,222,736 and a net worth ratio of 10.56%.

Loans: During 2025, we issued 690 new consumer loans totaling $18,694,343.78, helping members achieve their personal and financial goals.

Membership: We currently serve 7,799 members and remain well-positioned for continued growth.

Assets and Savings: At year-end, total assets reached $111,004,368. We are grateful for the trust you place in us and remain committed to ensuring the safety and security of your funds.

Our commitment to community involvement continues to be a cornerstone of who we are. With your support, our membership contributed gifts and non-perishable items to the Meals on Wheels Holiday Gift Project and participated in the New Jersey Credit Unions Food Cooperative, with donations benefiting the Second Baptist Church of Pedricktown.

Our staff also proudly purchased three complete Thanksgiving dinners for families through the Tri County Community Food Pantry. In addition, we partnered with fellow South Jersey credit unions to host Reality Fairs for high school students, helping to promote financial education and awareness.

On behalf of our dedicated volunteers and hardworking staff, I extend my sincere gratitude for your continued trust and loyalty. Your membership is the foundation of our success.

As we move forward, our mission remains unchanged: Serving Members…Building Relationships. In a world of constant change, we are committed to providing stability, reliability, and exceptional service. We are honored to serve you and to continue growing together.

Thank you for being an essential part of our credit union community. We look forward to strengthening our relationship and serving you even better in the year ahead.

Respectfully submitted,
Chas Minix
Chairman, Board of Directors