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C2760 2018 Annual Report.Indd 2017 Annual Report Federally Insured by NCUA VacationLand Federal Credit Union (VLFCU) was founded in 1956 by employees of the Sandusky, Ohio General Motors Plant. In 2001, VLFCU expanded its fi eld of membership to include anyone who lives, works, and worships, attends school or has a business or organization in Erie County, Ohio. Corporate Profile Insured Deposits In 2010, VacationLand Federal Credit Union businesses and organizations at fi ve branch Member depository accounts are insured up to extended its membership into Huron County, offi ces and 11 ATMs in the cities of Sandusky, $500,000. The fi rst $250,000 of insurance is Ohio by merging with School Employees Huron, Norwalk and Vermilion. We serve provided by NCUA’s National Credit Union Share Federal Credit Union (SEFCU) to include our members at over 5,600 CO-OP Shared Insurance Fund while the second $250,000 is made employees of the Boards of Education Branches and at over 25,000 MoneyPass and available through private insurance from Excess who work in Huron County and employees over 5,000 Alliance One surcharge-free ATM Share Insurance Company, paid for by VacationLand of the Board of Education of EHOVE Joint locations in the United States. Through 24- Federal Credit Union. Vocational School in Erie County. hour online banking, Remote Deposit Capture On September 29, 2017, VacationLand Federal and CU*Talk Telephone Account Access, we Corporate Headquarters Credit Union expanded its membership serve members wherever they are. through the merger with the Sandusky Ohio VacationLand Federal Credit Union is a VacationLand Federal Credit Union Edison Employees Federal Credit Union, member of Corporate One Federal Credit 2911 South Hayes Avenue acquiring $751,000 in assets and $128,000 Union, National Credit Union Administration’s Sandusky, Ohio 44870 in capital. (NCUA) Central Liquidity Facility, Federal Telephone: 419.625.9025 Toll Free 800.691.9299 Today, VacationLand Federal Credit Union is Reserve Bank of Cleveland’s Discount a member-owned, not-for-profi t cooperative Window and the Federal Home Loan Bank committ ed to being the lifetime fi nancial of Cincinnati. VacationLand Federal Credit institution of its members, by providing Union is an Equal Opportunity Employer and Annual Meeting an Equal Housing Lender. services at lower or no fees, loans with lower The Annual Meeting of the Credit Union’s owners will rates plus deposit products with higher VacationLand Federal Credit Union received be held at 8:00 A.M. on Wednesday, March 21, 2018 dividend rates. Low-income Designation through the at our Corporate Headquarters, 2911 Hayes Avenue, The Credit Union off ers its members a NCUA, providing benefi ts to VacationLand Sandusky, Ohio. full suite of fi nancial products including to help serve members who have challenges mortgage, home equity, consumer, student accessing fi nancial products and services. and credit card loans and a wide array Low-income designation benefi ts include: Independent Auditors of savings, checking, money market and ■ Accepting non-member deposits from any Doeren Mayhew, CPAs and Advisors certifi cate deposit products. source 305 West Big Beaver Road The Credit Union supports community ■ A gateway to community development Troy, Michigan 48084 employment opportunities by funding local fi nancial institution (CDFI) certifi cation small businesses. Business loan products ■ Opportunities to apply for grants and low- include equipment, auto, truck, lines of credit Privacy Policy interest loans and commercial real estate loans. The Privacy Policy of VacationLand Federal Credit With $215 million in assets, VacationLand Union describes how we safeguard our members’ Federal Credit Union, headquartered in fi nancial privacy. Your fi nancial privacy is our priority. Sandusky, Ohio serves over 18,800 members, For more information, visit us at www.vlfcu.org or call 419.625.9025. 2017 Annual Report 2 About Your Credit Union Our Vision To be our members’ chosen lifetime fi nancial partner and to improve our communities for future generations. Our Mission Guided by our core values, we exist as a not-for-profi t cooperative to serve and surpass by providing value and fi nancial freedom. VacationLand Federal Credit Union is much more than a place for banking. We live and work in northern Ohio, and we’re dedicated to helping our members and our communities prosper and thrive. Every member of VLFCU is part of our family. We care about you and your well-being instead of the bott om line. When you become a member, you become a shareholder of VacationLand Federal Credit Union. We’ll work for you as we work with you to manage your fi nances, invest in a new home or business, or save for retirement. Working together, we can all succeed. 3 VacationLand Federal Credit Union Many people may not know what makes VacationLand Federal Credit Union diff erent from other fi nancial institutions. Here are just a few ways that demonstrate our uniqueness: We are Member-Owned As a member-owner, regardless how much you save or borrow, you determine who serves on the Board of Directors. You have one vote for each open Board of Director seat. Also, as a member-owner, annual meetings are open to you. We encourage you to att end. We are Not-for-Profi t We are out to protect your wallet, not fi ll our own! We return profi ts to you, the members, in the form of lower loan rates, higher dividend rates, and low or no fees for services. We are a Cooperative Cooperatives pool resources for the common good. In like fashion, depositors of VacationLand Federal Credit Union pool funds to lend to one another. Through our structure and operation, credit unions carry out the credit union philosophy of “people helping people.” At VacationLand Federal Credit Union, you’re not just an account number—you’re a member helping other members. We are Volunteer Driven Each member of our Board of Directors is an unpaid volunteer you have elected to work in your best interest. Directors serve on Asset/Liability Management, By-Laws, Policy, Facilities, Marketing and Nominating committ ees, assisting management in making decisions on how to improve member products, service and operational effi ciencies. Put another wayy, VacationLand Federal Credit Union is diff erentt. We are not a bank. We’rre not a paydday lendderr. We are a llow cost financiiall instiitutiion thhat you wiill want to be affiffi liatedd wiith ffor a lliffetime. We appreciate thhe opppop rtunity to serve you, and we vallue your membbershhipp. Iff you have experienced the VacationLand Federal Credit Union differencee, please encourage your family and friends to discover the benefi ts of membership. 2017 Annual Report 4 Governing Bodies of Your Credit Union Board of Directors The 2017 Board of Directors is comprised of seven Directors serve for a term of three years with volunteers, elected by you, the members, who terms expiring at the end of each annual are responsible for the governance, direction and meeting. The Director positions expire as follows: control of the aff airs of VacationLand Federal three Director Positions expire in one year and Credit Union in accordance with National Credit two Director Positions in each of the succeeding Union Administration rules and regulations and two years. sound business practices. Monthly meetings are held by the Board of The Board of Directors dedicates its time and Directors to conduct the business of the credit talent to make VacationLand Federal Credit union by reviewing its performance and policies. Union a premier credit union. It delegates the Once per year the Board of Directors also meets day-to-day activities through policies to Senior with Senior Management for a full day session to Management of the credit union. develop the three-year strategic plan. Term Expiration (Committee Membership) Left to Right Martha Thompson: Director - 2018 Jude Hammond: Chairman - 2019 (Asset/Liability Management, By-Laws) Christine Giardina: Director - 2017 (Asset/Liability Management, Nominating) Joel Hassinger: Director - 2019 (Asset/Liability Management, Facilities) Tracy Luc: Treasurer - 2018 (Asset/Liability Management) Jan Sadoski: Vice Chairman - 2018 (Policy) Marcia Renande: Secretary - 2017 (By-Laws, Marketing, Nominating) 5 VacationLand Federal Credit Union Supervisory Committee William Stauder Chairman The Supervisory Committ ee consists of members appointed by the Board of Directors to serve one to three year terms. These volunteers are responsible for assuring the safety of the credit union’s assets and deposits, the soundness of management and compliance with various fi nancial and regulatory requirements. In fulfi lling these responsibilities, the Supervisory Committ ee recommends to the Board of Directors for ratifi cation the appointment of an independent audit fi rm to annually examine the fi nancial statements of the credit union. An audit of the 2016 fi nancial statements was conducted by Doeren Mayhew CPAs and Advisors. The audit report stated that VacationLand Federal Credit Union’s fi nancial statements present fairly, in all material aspects, our statements of fi nancial position, results of operations and cash fl ows. The audit report for 2017 will be available on March 21, 2018 and you may request a report from: Mitchell J. Fallis, CPA, CGMA, MBA, CCUIP Chief Financial Offi cer 2911 Hayes Avenue Sandusky, Ohio 44870 419.609.2718 The National Credit Union Association also conducts an annual examination of the records, policies, practices and the application of NCUA regulations upon VacationLand Federal Credit Union. We are pleased to report that in 2017, VLFCU received a favorable report on our annual examination by the NCUA. Just like the Board of Directors, the Supervisory Committ ee also holds monthly meetings to, among other things, review internal audit services, internal controls and risk management processes, and examinations by regulatory agencies and the independent audit fi rm.
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