Our Credit Union has experienced another successful year, our 71st in operation. We are $5.3 million in assets with 1,430 Members and growing. During the last routine audit performed by the National Credit Union Administration the Federal Examiner rated the Credit Union with a #2. The Examiner reported that our Credit Union is a sound institution, resistant to external economic and financial disturbances, and capable of withstanding the unexpected actions of business conditions. The Credit Union provides loans on vehicles, motorcycles, boats, campers, signature and share secured to all members in good standing. With expanded dividend tiers we are currently staying competitive with other institutions. Currently the rates varies, depending on the account balance. Our accounts have direct deposit available and no monthly service fees. We believe that these services are a benefit to our members and will encourage growth.