As a cooperative, when our membership increases, the rise permits us to grow and expand our product offerings, better serving our members and the communities in which we all live. Membership growth helps attract the deposits we need to lend out to other members in our communities in the form of Mortgages, Auto Loans and similar products. The increase of lending services to more members in our communities also generates more loan interest income, which is our greatest source of revenue. This additional loan interest income is then reinvested back into your credit union in the form of improved technology and services. The improvements make it possible to provide products and services more efficiently and at a lesser cost. By delivering services and products in a less costly manner, your credit union can provide its member owners with an enhanced member experience and keep our deposit rates higher and our loan rates lower. Both of which benefit our entire membership base. A true win/win scenario for all our member owners.