2022 FINANCIAL STATEMENT CONSOLIDATED STATEMENT OF FINANCIAL CONDITION

AS OF DECEMBER 31, 2022

Cash and cash equivalents

Investments

Loans held-for-sale

Loans to members, net of allowance for loan losses

Premises and equipment, net of depreciation

This financial data presented in this Annual Report as of December 31, 2022 is unaudited, however, the CPA firm of CliftonLarsonAllen conducted an audit at the credit union as of June 30, 2022.

The Supervisory Committee provides oversight of the Credit Union’s financial reporting process on behalf of the Board of Directors. As part of the oversight process, the Committee independently selects a certified public accounting firm to perform an opinion on the Credit Union’s consolidated financial statements. Management is responsible for the consolidated financial statements and the financial reporting process, including internal controls. In fulfilling its oversight responsibilities, the Committee discussed the consolidated financial statements in the annual report with management, including a discussion of the quality, not just the acceptability, of the accounting principles; the reasonableness of significant judgments; and the clarity of disclosures in the consolidated financial statements.

2022 Financial Statement Consolidated Statement Of Operations

AS OF DECEMBER 31, 2022

2022 FINANCIAL STATEMENT CONSOLIDATED STATEMENTS OF MEMBERS’ EQUITY

AS OF DECEMBER 31, 2022

* Regular reserves were combined with Undivided Earnings in 2022