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2012 ANNUAL REPORT a Word from Our Chairman of the Board of Directors

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2012 ANNUAL REPORT a Word from Our Chairman of the Board of Directors 2012 ANNUAL REPORT A Word from Our Chairman of the Board of Directors Looking back at 2012, members, staff and volunteers can be proud of all that was accomplished. While it was another year of challenges, there were also opportunities for our fi nancial institution. The year began with the replacement of our Chief Executive Offi cer. Kevin Ralofsky resigned his position, and we replaced him with Bryan Myers. Bryan had left our organization for a brief period of time at the end of 2011 only to return as our CEO at the end of March. Since then, he has done an excellent job. His ability to build consensus among staff, his member-centric focus, attention to detail and his transparent approach to leadership are some of the reasons why the Board believes Bryan will continue to lead the credit union down the path of success. We experienced our strongest fi nancial success in several years in 2012, growing to nearly $150 million in assets while improving our fi nancial position. Our capitalization rate is now just under 10%. This achievement, which doesn’t happen by accident, is attributable to our hardworking, dedicated employees who strive to improve member services every day. And of course, our members are the key component to all our successes. Jude T. Hammond In 2012, we also lost one of our Board members, entirely too soon. Chuck Renwand passed after a brief illness in June. I have not found anyone who did not love Chuck. His easy-going manner and his willingness to speak his mind made Chuck a great asset to the Board. Incredibly, this is the second consecutive year in which we experienced the loss of a Board member during their term. In June of 2011, we lost Dave Zoliniak. But, there is an old saying that goes when the Lord closes one door, He opens another. And so, we welcomed Christine Giardina who graciously took Chuck’s place on the Board. Christine brings a fresh, new perspective to her duties. Like Chuck, she is always willing to ask questions and speak her mind, and she has been a perfect fi t to our Board meetings. In 2012, we saw some major changes take shape at our branches in Vermilion and on Perkins Avenue. We hope you all like the new look and feel of these offi ces with their upgrades which were designed to better focus on serving you, the membership. We are now considering updating our longest serving branch on Hayes Avenue. We will be rolling out renditions of what we have in mind for Hayes, plans which will provide much needed capacity and room for future growth. I hope you will give us feedback on our ideas. Moving the Annual Meeting to after-hours, in that way encouraging greater participation from the membership, is another new idea we hope is successful. Our sincere wish is for members to take the time to fi nd out more about the fi nancial institution they own. We always want to hear from you. In closing, we wish all our members the best for 2013! We are here to serve you! Sincerely yours, Jude T. Hammond Chairman of the Board of Directors A Word from Our Chief Executive Offi cer In 1956 VacationLand Federal Credit Union was born from the vision of several key employees of Sandusky, Ohio’s General Motors plant with a commitment to help each other with affordable loans and competitive deposit rates and to assist fellow employees in times of need. Over the past 56 years, the credit union has expanded its fi eld of membership to include any person that lives, works, and worships or attends school in Erie County plus certain SEG groups in Huron County. Although consumers have not always been aware of what credit unions are, individuals, families and small businesses are discovering the credit union difference as they seek alternatives to “big banking” in Erie County. Today, VLFCU continues with the cooperative vision our founders had in 1956. The credit union remains solidly committed to providing affordable, responsible fi nancial services to every one of our members. This is possible because we are a not-for-profi t corporation that doesn’t have shareholders to pay. And, we have a very dedicated group of unpaid volunteers serving as our board of directors and supervisory committee who have a common goal to continue the vision established in the 1950s. Bryan P. Myers I am proud to report that 2012 was another successful year at VLFCU. We continued with our branch renovation project fi nalizing the upgrades of our Vermilion and Perkins offi ces. Our membership expanded and topped the 16,000 mark for the fi rst time. Financially, the credit union remains strong and our capital position is moving in the right direction. 2013 will bring additional challenges that include a long-term commitment in rebuilding the Hayes offi ce, continued regulatory pressures and very thin interest rate margins. We look forward to taking on these challenges and we remain committed to providing affordable and responsible fi nancial services to all whom we serve. Sincerely, Bryan P. Myers Chief Executive Offi cer The Governing Bodies of Our Credit Union THE BOARD OF DIRECTORS The 2013 Board of Directors is comprised of seven elected volunteers who are responsible for the governance, direction and control of the affairs of VacationLand Federal Credit Union in accordance with National Credit Union Administration rules and regulations and sound business practices. The Board delegates the day-to-day activities through policies to Senior Management of the credit union. Directors serve for a term of three years with an equal number of terms expiring at the end of each annual meeting. Monthly meetings are held by the Board to conduct the business of the credit union by reviewing its performance and policies. Once per year the Board also meets with Senior Management for a full day session to develop the annual strategic plan. The Board of Directors members are: Jude Hammond: Chairman, 1, 2 Don Bayer: Director, 1, 2 Jan Sadoski: Vice Chairman, 1, 5, 6 Christine Giardina: Director Marcia Renande: Secretary, 2, 4 Martha Thompson: Director, 3, 5 Tracy Luc: Treasurer, 1, 5 Board of Director Committee Membership (1) Asset/Liability Management (4) Marketing (2) By-Laws (5) Nominating (3) Insurance (6) Policy THE SUPERVISORY COMMITTEE The Supervisory Committee consists of volunteers who are responsible for monitoring VacationLand FCU’s fi nancial security and soundness and its compliance with various fi nancial and regulatory requirements. In fulfi lling these responsibilities, the Supervisory Committee recommends to the Board for ratifi cation, the appointment of an independent audit fi rm to annually examine the fi nancial statements of the credit union. Just like the Board of Directors, the Supervisory Committee also holds monthly meetings to, among other things, review internal audit services, internal controls and risk management processes, and examinations by regulatory agencies. A representative of the Supervisory Committee attends the monthly Board of Directors meetings and reports on their fi ndings. To date, the Committee has reported that in their opinion VacationLand Federal Credit Union has operated in a fi scally sound manner and, in all material aspects, in accordance with applicable accounting, federal and state regulations. 2012 Supervisory Committee members include: William Stauder, Chairman Theresa Barylski Christopher Palmer Lynn Sartor Bill Wood CORE VALUES & BELIEFS Resourcefulness: Finding solutions Excellence: Achieving the best possible outcome Strategy: Thoughtful execution Passion: Heartfelt action Empowerment: Invest authority to succeed Commitment: Dedicated service Trust: Serving with integrity Financial Highlights A Word from Our Chief Financial Offi cer Dec. 31, 2010 Dec. 31, 2011 Dec. 31, 2012 VacationLand Federal Credit Assets Union’s Net Income surpassed the Cash and Equivalents 14,151,624 7,302,811 5,779,006 $1 million mark in 2012 reaching Loans 80,501,240 91,510,205 94,013,481 $1,143,398, an increase of 39.7% (Less) Allowance for Loan Loss (954,031) (1,056,579) (1,047,636) Investments 41,906,168 38,698,945 46,170,275 compared to Net Income of $818,488 Land, Building and Equipment 585,675 892,742 1,315,274 in 2011. 2012 Return On Assets Other Assets 1,593,512 1,905,695 1,489,036 was .80%, up 21 basis points from Total Assets 137,784,188 139,253,819 147,719,436 one year ago. Net Interest Margin climbed to 3.89% compared with Liabilities 3.60% in 2011. 2012 Net Interest Other Liabilities 399,254 1,658,871 1,010,564 Margin was driven by a 2.7% increase Mitchell J. Fallis, CPA Notes and Interest Payable --- --- 5,866,737 in interest income along with a 29.3% Total Liabilities 124,704,358 124,095,885 6,877,301 decrease in dividend expense resulting from lower market rates. Revenues for 2012 totaled $9,121,878, up from $8,916,482 Share Drafts 13,866,738 15,212,637 15,600,683 in 2011. Contributing factors included increases in loan income of Shares 68,441,973 73,895,928 80,619,755 7.7%, offset in part by decreases in investment income and non- Certificates 42,395,646 34,987,320 29,979,236 Total Shares 124,704,358 124,095,885 126,199,674 interest income of 2.7% and 1.7%, respectively. Loan Totals grew by $2,503,276 from increases in consumer indirect, Member Business, and Visa loans which were offset in Owners Equity (Capital) part by decreases in mortgages and consumer direct loans. Regular Reserves 2,870,959 2,870,959 2,870,959 Investments rose by $7,471,330 reaching $46,170,275 on Undivided Earnings 9,809,617 10,628,104 11,771,502 Total Equity 12,680,576 13,499,063 14,642,461 December 31, 2012.
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