As we reflect on the past year, I am incredibly proud of what we have achieved together. This has been a year defined by success, driven by growth, innovation, and a shared commitment to our mission. While external factors, most notably the freezing of Inflation Reduction Act funding, created uncertainty, we did what we do best: we persevered and emerged stronger.

Across the organization, we made meaningful progress; strengthening operations, growing membership, and advancing our strategic position.

We remained disciplined, adaptable, and focused on building a sustainable foundation for the future while staying true to our values.

One of our most significant milestones this year was achieving B Corp Certification. This recognition reflects who we are at our core, a mission-driven institution committed to accountability, transparency, and measurable impact. It affirms that our work goes beyond financial services to create meaningful benefits for our members, our communities, and the environment.

We have spent the past year investing in tools and technology to better serve you, laying the groundwork for the introduction of an enhanced online banking experience, including person-to-person payment capabilities, and a more seamless digital experience designed to support your financial well-being. Much of this work has been driven directly by your feedback: we heard you, and we are acting on it.

Our commitment to service and accessibility remains strong. Expanded support hours, enhanced service channels, and our focus on low- and no-fee offerings ensure that ethical banking remains within reach. Through initiatives like our Rate Promise, we continue to put our members’ financial success first.

We measure our success not only in growth, but in impact. Each step forward reflects our commitment to building a financial institution that prioritizes people, planet, and purpose.

Being a credit union with a distinct mission isn’t always easy, we don’t have all the same levers as larger institutions, and the path can be challenging. But our mission was never meant to be just words on a wall. Real change takes time and persistence, and that’s exactly what we are building.

As we look to the year ahead, we do so with confidence and momentum focused on innovation, expanding our offerings, and deepening our leadership in climate-conscious finance.

Thank you for your trust and for being part of this journey. Our success is shared, and together, we are building something that truly matters.