To provide lending,savings, and other financial services to its qualifying members at terms generally better than available in the marketplace and with a service-based emphasis that recognizes the members status as owners.

Direct labor and employee benefit costs incurred providing savings deposit services, originating new loans and servicing the loan portfolio for members. data processing costs incurred recording member account activity and providing access to members to their accounts via home banking, atm networks and in-person at credit union office. dividends and interest paid to members on approximately 17,500 deposit accounts held by approximately 9,500 members