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2017 Annual Report (PDF)

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2017 Annual Report (PDF) OF 2017 ANNUAL REPORT A Year in Review President’s Report 2017 was a year of milestones at Rogue Credit Union. We are celebrating 10 years of Rogue’s focus on earning our NEW BRANCHES member’s loyalty. At Rogue, this loyalty focus is a commitment to keeping YOU, the member, at the forefront and provides - SOUTH GRANTS PASS a consistent framework for our decision making. It shapes - CENTRAL POINT everything we do; from the strategic direction our leaders set, - WEST ROSEBURG to the products we offer, to the training we provide to our team - WEST MEDFORD DRIVE-UP members. Everything we do at Rogue is centered on providing value and developing the loyalty of our member-owners. At Rogue, we know that healthy communities are essential to the credit union’s success. From raising funds for the DEBIT Children’s Miracle Network to Beach Clean-Up Days, our Gene Pelham SAVE THE CHANGE team has continued its legacy of giving back and supporting President/CEO our local communities. I’m proud to share that in 2017, Rogue Credit Union HELPED MEMBERS SAVE the Rogue team volunteered over 10,000 hours in the OVER $1 MILLION INTO communities we serve and donated over $225,000. THEIR OWNERSHIP ACCOUNTS As I look back on 2017, it’s clear that the unbeatable combination of a truly talented team and our member’s loyalty to the credit union is driving the organization’s success. Over the past year, Rogue Credit Union grew to $1.42 billion in assets, and now serves over 120,000 members across six Oregon counties. YOUR credit union experienced solid loan growth, ending 2017 NEW KIDS CLUB ZLWKDORDQSRUWIROLRRIRYHUELOOLRQ5RJXHÀQLVKHGWKH year in a safe and secure position, with a strong 9.81% Net DESIGNED TO TEACH KIDS HOW TO Worth ratio; well above the 7.00% our federal regulators SAVE SMARTLY, SPEND WISELY, require in order to be a “well-capitalized” credit union. AND GIVE GENEROUSLY DOVRPDUNVWKHÀYH\HDUDQQLYHUVDU\RI5RJXHDQG Chetco Federal Credit Union joining together. Five years ago, ZHZHOFRPHGÀYHEUDQFKHVWHDPPHPEHUVDQGRYHU 14,700 members from the South Coast to the Rogue family. Rogue’s commitment to loyalty and putting its members at the heart of everything we do continues to prove that when we GIVE THE CHANGE take care of the member, everything else takes care of itself. GAVE BACK $22,000 TO OUR Thank you for YOUR continued loyal membership at LOCAL SCHOOLS Rogue Credit Union. 2 | 800.856.7328 roguecu.org | 3 Board Chair Report Board of Directors 5RJXH&UHGLW8QLRQDQGDOOFUHGLWXQLRQVDUHPHPEHURZQHGQRWIRUSURÀW Loyalty is an important word at Rogue Credit Union. ÀQDQFLDOFRRSHUDWLYHVGHGLFDWHGWRVHUYLQJWKHLUPHPEHUVDQGPDNLQJDSRVLWLYH It’s woven into the fabric of the credit union and is at LPSDFWRQWKHFRPPXQLW\5RJXH&UHGLW8QLRQLVRYHUVHHQE\DKLJKO\TXDOLÀHG the heart of the organization. While there are many DQGFRPPLWWHG%RDUGRI'LUHFWRUV<285%RDUGRI'LUHFWRUVLVFKDUJHGZLWK GLIIHUHQWGHÀQLWLRQVRIOR\DOW\DW5RJXHLWPHDQV JXLGLQJ 5RJXH·V VWUDWHJLF GLUHFWLRQ DQG HQVXULQJ WKDW <285 FUHGLW XQLRQ creating exceptional experiences for our members FRQWLQXHVWREHDVDIHDQGVWDEOHÀQDQFLDOLQVWLWXWLRQIRU6RXWKHUQ2UHJRQ that make them proud to belong to the credit union. The Board of Director’s role is to guide the credit union DVLWVWULYHVWRIXOÀOOLWVYLVLRQ7KH0RVW/R\DO0HPEHUVLQ the Nation! As YOUR Board Chair, I’m proud to say that Rogue has continued to build upon its Legacy of Loyalty and has doubled-down on its commitment to serve YOU, our member-owners and the community. Jerry Hauck Board Chair Rogue Credit Union $VDVHUYLFHIRFXVHGQRWIRUSURÀWÀQDQFLDOFRRSHUDWLYH Board of Directors Rogue is continuously looking to better serve its members Jerry Hauck, Board Chair Philip Smith, Vice Chair Lynn Calhoun, Secretary Tim George, Treasurer when and where they need us. In 2017, Rogue opened Retired Coach, Teacher Former Professor at SOU, Retired Principal, Retired Chief of Police, and Administrator, PMCI Inc, and Deloitte & Phoenix Elementary School Medford Police Department four new locations across Southern Oregon, to better Ashland High School Touche Accounting Credit Union Member Credit Union Member serve our members. When others are closing branches, Credit Union Member Credit Union Member since 1981 since 1978 since 1972 Rogue is still committed to investing in Southern Oregon since 2005 Lynn was appointed to the Tim was elected to the Board Jerry was elected to the and helping to build strong communities for us all. Philip was appointed to Board in 2006 and elected in 1992. He previously served Board in 2003. He has the Board in 2011 and to the Board in 2007. She as Secretary and Board Chair served as the Vice Chair and previously served on Rogue’s has previously served as and serves on various $V*HQHPHQWLRQHGDOVRPDUNHGWKHÀYH\HDU is currently serving in his Supervisory Committee Vice Chair and serves on Board committees. anniversary of Chetco Federal Credit Union joining 9th year as Board Chair. and as Board Treasurer. various Board committees. the Rogue family. With the acquisition of Chetco, 5RJXHJDLQHGÀYHEUDQFKHVDORQJWKH6RXWK&RDVW More importantly, it gained members and employees who truly believe in the power of the credit union difference. Today, we’re stronger than ever. I'm proud to draw your attention to the list (on page 9) of local, regional and national awards and recognition that your credit union received over the last year. These Cheryl McMahan Liz Shelby Alex Palm Peter Angstadt accolades recognize our dedication to YOU, our loyal College Professor and Retired Chief of Staff and Professional Civil Engineer Retired President of members. Looking forward, the Board of Directors is Retired Engineer Director of Government and Principal at i.e. Rogue Community College committed to ensuring that YOUR credit union continues Credit Union Member Relations, SOU Engineering, Inc. Credit Union Member to focus on doing the right thing for our members and since 2007 Credit Union Member Credit Union Member since 2014 Cheryl is proud to represent since 2002 since 2015 Peter is proud to represent the communities that we serve. the South Coast Region. Liz was elected to the Board Alex is proud to represent the Josephine County area. She was elected to the in 2004. She has served Douglas County. He was He was appointed as the Thank you for YOUR continued support and loyal Board in 2013. as the Vice Chairman and appointed to the Board in Associate Board Member in Secretary of the Board. 2017 and serves on various 2017 and serves on various membership at Rogue Credit Union. Board committees. Board committees. 4 | 800.856.7328 roguecu.org | 5 Supervisory Our Checklist: Community Committee SERVING THE NEEDS OF OUR COMMUNITY EMPLOYEE THOUSANDS IMPACTED NCUA EXAM HOURS DOLLARS VOLUNTEERED LOCALLY INDEPENDENT AUDIT DONATED 10,000 TO LOCAL ORGANIZATIONS SAFETY & SOUNDNESS $ WELL CAPITALIZED 227,825 Heather Johnson GAVE $28,000 in scholarships 6 HIGH SCHOOL STUDENT BRANCHES DONATED TO CU FOR KIDS Children’s Miracle Network Steve Curry Hospitals Supervisory Report The Supervisory Committee is appointed by Rogue’s Board of Directors to act as the member’s representatives in ensuring the safety and soundness of YOUR credit union. The Supervisory Cheryl McMahan &RPPLWWHHLVFRQÀGHQWWRUHSRUWWKDWWKURXJKRXW5RJXH Credit Union maintained a well-capitalized net worth ratio, while meeting the regulatory guidelines set forth by the State of Oregonand its federal regulatory bodies. In August, the State of Oregon Division of Financial Regulation and the National Credit Union Association (NCUA) reported EDFNWRWKHFUHGLWXQLRQDQ\ÀQGLQJVIURPLWVH[DPLQDWLRQZKLFK Jeny Grupe were subsequently reviewed by your Supervisory Committee. YOUR Supervisory Committee, along with YOUR Board of 'LUHFWRUVDUHLQDJUHHPHQWZLWKDOOWKHH[DPV:HDUHFRQÀGHQW that Rogue Credit Union is meeting the needs of its members, continuing to adhere to current rules and regulations, while SURYLGLQJDVDIHDQGVRXQGORFDORSWLRQIRU\RXUÀQDQFLDOQHHGV As we move forward, we will continue to work closely with our regulators in the State of Oregon and the NCUA, to ensure that Neil Itzen your credit union is safe, stable and secure. 6 | 800.856.7328 roguecu.org | 7 Our Locations RECOGNITION AND AWARDS ROGUE VALLEY SOUTH COAST GRANTS PASS RECEIVED Downtown Ashland Bandon West Grants Pass 415 Lithia Way 1010 First Street SE 590 Union Avenue South Ashland Brookings Downtown Grants Pass $VKODQG6WUHHW 729 Chetco Avenue 751 SE 7th Street (opening in 2018) Gold Beach South Grants Pass SOU Campus (OOHQVEXUJ$YHQXH 249 Terry Lane 1118 Siskiyou Blvd Harbor KLAMATH BASIN Central Point +LJKZD\ 1200 Plaza Blvd Port Orford South Klamath Falls Eagle Point 1000 Oregon Street 3211 Washburn Way +LJKZD\ UMPQUA VALLEY East Medford 955 N Phoenix Road East Roseburg 1337 NE Stephens Street Downtown Medford 2017 was a record breaking year for Rogue Credit Union awards and recognition. Drive-Up West Roseburg - S&P Global 11th Best Performing Credit Union 102 N Front Street 1390 NW Garden Valley Blvd - Living Opportunities Employer of the Year West Medford Drive-Up Northwest Credit Union Association (NWCUA) Awards: 51 Clover Lane - Top of the Hill Award North Medford Plaza ,QQRYDWLRQDQG,PSDFW$ZDUGManagement School 1330 Poplar Drive /RXLVH+HUULQJ3KLORVRSK\LQ$FWLRQ$ZDUGOwnership Account South Medford Plaza 2UHJRQ&UHGLW8QLRQ$GYRFDWHRIWKH<HDU$ZDUGGene Pelham 1370 Center Drive Mail Tribune Readers' Choice Awards: %HVW)LQDQFLDO,QVWLWXWLRQ9 years in a row! - #1 Mortgage Company %HVW)LQDQFLDO$GYLVRUGary Duvall Curry Coastal Pilot Awards: - Best Financial Institution - Best Financial Service - Best Customer
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