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2018 Annual Report

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2018 Annual Report VACATIONLAND FEDERAL CREDIT UNION | 2019 ANNUAL REPORT 2018 ANNUAL REPORT CREATING MEMORIES FOR THE FUTURE FEDERALLY INSURED BY NCUA Insured Deposits Member depository accounts are insured up to $750,000. The first $250,000 of insurance is provided by NCUA’s National Credit Union Share Insurance VLFCU’s employees have big hearts Fund. The remaining $500,000 is provided by private insurance from Excess and are dedicated to giving back to our Share Insurance Company, paid for by VLFCU. membership and communities. Whether Annual Meeting The Annual Meeting of the Credit Union’s owners will be held at 8:00 A.M. it’s helping build a structure for Habitat on Wednesday, March 11, 2020 at our Corporate Headquarters, 2911 Hayes for Humanity, volunteering at our Easter Avenue, Sandusky, Ohio. egg hunt, Bowling for Kids, or donating to Corporate Headquarters Independent Auditor VacationLand Federal Credit Union Doeren Mayhew, CPAs and holiday causes, we work hard both inside 2911 South Hayes Avenue Advisors Sandusky, Ohio 44870 305 West Big Beaver Road and outside of our branches. Telephone: 419.625.9025 Troy, Michigan 48084 Toll Free: 800.691.9299 VACATIONLAND FEDERAL CREDIT UNION CORPORATE PROFILE we reflect on 2019 with our sights firmly set towards 2020 and the future VacationLand Federal Credit Union is a federally chartered credit union, regulated by the National Credit Union Administration (NCUA), an agency of VacationLand Federal Credit Union, (the Credit Union), the federal government. Credit unions are the only democratically controlled was founded in 1956 by employees of the Sandusky, financial institution in the U. S. Members elect a volunteer board of directors to Ohio General Motors Plant. In 2001, the Credit Union govern the credit union. In contrast, banks are for-profit entities, governed by a expanded its field of membership including anyone who paid board of directors, with all profits benefitting the bank shareholders. lives, works, and worships, attends school or has a business or organization in Erie County, Ohio. The Credit Union offers its members a full suite of financial products including mortgage, home equity, consumer, student and credit card loans and a wide School Employees Federal Credit Union array of savings, checking, money market and certificate deposit products. In 2010, the Credit Union extended its membership into The Credit Union supports community employment opportunities by funding Huron County, Ohio by merging with School Employees local small businesses. Business loan products include equipment, auto, truck, Federal Credit Union (SEFCU) to include employees of lines of credit and commercial real estate loans. the Boards of Education who work in Huron County and employees of the Board of Education of EHOVE Joint Vocational School in Erie County. With $247 million in assets, VacationLand Federal Credit Union, headquartered in Sandusky, Ohio serves over 19,800 members, Sandusky Ohio Edison Employees Federal businesses and organizations at five branch offices and 11 ATM’s in Credit Union the cities of Sandusky, Huron, Norwalk and Vermilion. We serve our In 2017, the Credit Union expanded its membership members at over 5,600 plus CO-OP Shared Branches and at over through the merger with the Sandusky Ohio Edison 32,000 MoneyPass and over 5,600 Alliance One surcharge-free Employees Federal Credit Union. Membership eligibility ATM locations in the United States. Through 24-hour online banking, extends to employees of the Ohio Edison Company who Remote Deposit Capture and CU*Talk Telephone Account Access, we work in Sandusky, Bellevue, Port Clinton or Norwalk, serve members wherever they are. Ohio; spouses of persons who died while within the field of membership of this credit union; retired persons, members of their immediate families; and organizations VacationLand Federal Credit Union is a member of Corporate One Federal of such persons. Credit Union, National Credit Union Administration’s Central Liquidity Facility, Federal Reserve Bank of Cleveland’s Discount Window and the Federal Home Your Credit Union Today Loan Bank of Cincinnati. VacationLand Federal Credit Union is an Equal Today, VacationLand Federal Credit Union is a member- Opportunity Employer and an Equal Housing Lender. owned, not-for-profit financial cooperative dedicated to VacationLand Federal Credit Union received Low-income Designation through being the lifetime financial institution of its members, by the NCUA, providing benefits to VacationLand to help serve members who have providing services at lower or no fees, or loans with lower challenges accessing financial products and services. Low-income designation rates plus deposit products with higher dividend rates. benefits include: Accepting non-member deposits from any source A gateway to community development financial institution (CDFI) certification Opportunities to apply for grants and low-interest loans VACATIONLAND FEDERAL CREDIT UNION CORPORATE PROFILE VacationLand Federal Credit Union is much more Our Vision than a place for banking. We live and work in To be our members’ chosen northern Ohio, and we’re dedicated to helping our lifetime financial partner and to members and our communities prosper and thrive. improve our communities for Every member of VacationLand Federal Credit future generations. Union is part of our family. We care about you and your well-being instead of the bottom line. Our Mission When you become a member, you become a Guided by our core values, we shareholder of VacationLand Federal Credit Union. exist as a not-for-profit cooperative We’ll work for you as we work with you to manage to serve and surpass by providing your finances, invest in a new home or business, value and financial freedom. or save for retirement. Working together, we can all succeed. Your credit union allowed me to purchase a car that has enough room for my growing family to fit in. Thank you so much for believing in me. ______ ELIZABETH M. VACATIONLAND FEDERAL CREDIT UNION CORPORATE PROFILE Many people may not know what makes VacationLand Federal Credit Union different from other financial institutions. Here are just a few ways that demonstrate our uniqueness: We are Member-Owned We are a Cooperative We are Not-for-Profit We are Volunteer Driven As a member-owner, Cooperatives pool resources We are out to protect your Each member of our Board of regardless how much you for the common good. In wallet, not fill our own! We Directors is an unpaid volunteer save or borrow, you determine like fashion, depositors of return profits to you, the you have elected to work in your who serves on the Board of VLFCU pool funds to lend to members, in the form best interest. Directors serve on Directors. You have one vote one another. Through our of lower loan rates, higher Asset/Liability Management, for each open Board of Director structure and operation, credit dividend rates, and low or By-Laws, Policy, Facilities, seat. Also, as a member- unions carry out the credit no fees for services. Marketing and Nominating owner, annual meetings are union philosophy of “people committees, assisting open to you. We encourage helping people.” At VLFCU, management in making you to attend. you’re not just an account decisions on how to improve number—you’re a member member products, service and helping other members. operational efficiencies. experience the difference VacationLand Federal Credit Union is just different. We are not a bank. We’re not a payday lender. We are a low cost financial institution that you will want to be affiliated with for a lifetime. We appreciate the opportunity to serve you, and we value your membership. If you have experienced the VLFCU difference, please encourage your family and friends to discover the benefits of membership. VACATIONLAND FEDERAL CREDIT UNION GOVERNING BODIES the governing bodies working in unison, providing the credit union with a stable foundation The 2019 Board of Directors is comprised of seven volunteers, elected by you, the members, 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 of Directors dedicates its time and talent to make VacationLand Federal Credit Union a premier credit union. It delegates the day-to-day activities through policies to Senior Management of the credit union. Directors serve for a term of three years with terms expiring at the end of each annual meeting. The Director positions expire as follows: three Director Positions expire in one year and two Director Positions in each of the succeeding two years. Monthly meetings are held by the Board of Directors to conduct the business of the credit union by reviewing its performance and policies. Once per year the Board of Directors also meets with Senior Management for a full day session to develop the three-year strategic plan. Top Row, Left to Right: Jude Hammond: Chairman – 2022 (Asset/Liability Management, By-Laws, Nominating) board of directors Jan Sadoski: Vice Chairman – 2021 (Policy) Term Expiration (Committee Membership) Marcia Renande: Secretary – 2020 (Asset/Liability Management, Marketing) Tracy Luc: Treasurer – 2021 (By-Laws) Bottom Row, Left to Right: Joel Hassinger: Director – 2022 (Facilities, Nominating) Christine Giardina: Director – 2020 (Asset/Liability Management) Elmer Lippert: Director – 2021 (Asset/Liability Management) VACATIONLAND FEDERAL CREDIT UNION GOVERNING BODIES MESSAGE FROM THE SUPERVISORY COMMITTEE William Stauder Chairman The Supervisory Committee 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 financial and regulatory requirements. In fulfilling these responsibilities, the Supervisory Committee recommends to the Board of Directors for ratification the appointment of an independent audit firm to annually examine the financial statements of the credit union. An audit of the 2019 financial statements was conducted by Doeren Mayhew CPAs and Advisors.
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