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Annual Report for Calendar Year 2000

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Message from the President Dear Members, Coast Guard Mutual Assistance (CGMA) continues its fine performance as a Premiere Relief Society. Tremendous changes in the past few years have made CGMA highly efficient and effective in meeting the needs of our members. As this report attests, the need for CGMA continues stronger than ever. A record amount of assistance was provided to our members during 2000. For the first time in the organization’s history, in a single year: • Over 10,000 loans and grants were issued. • Total assistance broke the $7 million level. • More than $1 million in grants were provided. While CGMA continues to adjust programs to meet the changing needs of members from all segments of the Coast Guard family, in the past few years, assistance has outpaced revenues. We are witnessing a dramatic increase in appeals for assistance across the board. At the same time, the recent decline in the stock market caused a significant drop in investment revenues. The overall effect has been a decrease in the organization’s net worth, prompting recent steps to boost investment income, increase member contributions, and consider adjusting non-critical assistance programs. I thank the Board of Control, Regional Directors, Representatives, and everyone who has supported CGMA throughout the years. Keep up the good work! Now, more than ever, CGMA needs your dedication and support so that we can continue to take care of our own. J. M. LOY Admiral, U.S. Coast Guard President Board of Control “We Look After Our Own” Board of Control December 31, 2000 Officers President Admiral James M. LOY, USCG Executive Vice President Rear Admiral Fred L. AMES, USCG Second Vice President Captain James E. EVANS, USCG Treasurer Lieutenant Commander Anthony VOGT, USCG Secretary Chief Warrant Officer Jeffery M. ALM, USCG Members Commissioned Officer Captain James E. EVANS, USCG Commissioned Officer Commander Pat HANNIFIN, USCG Commissioned Officer Lieutenant Commander Anthony VOGT, USCG Chief Warrant Officer Chief Warrant Officer Christine FIRGUEROA, USCG Retired Member Vacant MCPOCG Master Chief Petty Officer-CG Vincent W. PATTON, USCG Chief Petty Officer Senior Chief Petty Officer Mark A. LEWACK, USCG Enlisted (E-6 or below) Petty Officer First Class Petra A. WOLFORD, USCG Enlisted (E-6 or below) Petty Officer Third Class Craig E. TRUSEVITCH, USCG Officer’s Spouse Mrs. Kathleen M. B. GIBSON Enlisted’s Spouse Mrs. Jennifer RECHSTEINER Auxiliary Lieutenant Commander Charles E. MARTIN, USCG (RET) Reserve Lieutenant Commander Kevin PRATT, USCGR Civilian Mrs. Maureen M. MELTON Medical/TRICARE Specialist Chief Warrant Officer Jeffrey ALM, USCG Family Support Specialist Lieutenant Carla J. GRANTHAM, USCG Alternate: MCPOCG Chief Petty Officer Rockwood ENNIS, USCG Alternate: CPO Master Chief Petty Officer Alex T. KEENAN, USCG Alternate: Enlisted Petty Officer First Class Marie F.G. HOPE, USCG (E-6 or below) Regional Directors 31 December 2000 Academy RADM Douglas H. TEESON, USCG ATC Mobile CAPT Eric N. FAGERHOLM, USCG Fourteenth District RADM Joseph J. MCCLELLAND Jr., USCG GANTSEC CAPT Arthur E. BROOKS, USCG Headquarters Support Command CAPT Geoffrey D. POWERS, USCG ISC Boston CAPT S. Drew DILKS, USCG ISC Cleveland CAPT Michael J. PIERCE, USCG ISC Ketchikan CAPT Gary B. STEINFORT, USCG ISC Kodiak CAPT Jimmy NG, USCG ISC Miami CAPT Colin S. CAMPBELL, USCG ISC New Orleans CAPT Gerald BOWE, USCG ISC Portsmouth CAPT Richard R. HOUCK, USCG ISC San Pedro CAPT Richard F. BESELER, USCG ISC Seattle CAPT Michael P. SELAVKA, USCG ISC St. Louis CAPT Kevin E. SCHUMACHER, USCG MLC Atlantic RADM James A. KINGHORN, USCG MLC Pacific RADM John L. PARKER, USCG TRACEN Cape May CAPT Sally BRICE-O’HARA, USCG TRACEN Petaluma CAPT Marcus E. JORGENSEN, USCG TRACEN Yorktown CAPT John A. GENTILE, USCG Yard CAPT Alan S. GRACEWSKI, USCG Staff Executive Director Mr. Carl F. MURSCH Administrative Director Mr. Ronald C. WOLF Financial Director Mr. Barry M. BOISVERE Financial Assistant Ms. Stephanie WILSON Financial Assistant Ms. Jennifer R. MUDGETTE Special Projects Coordinator Mr. Herbert L. FAULKNER Education Specialist Ms. Tanya R. MATHIS Administrative Assistant Ms. Gwendolyn A. FOUCH Coast Guard Mutual Assistance Originally established in 1924 as The League of Coast Guard Women, Coast Guard Mutual Assistance (CGMA) has a long history of providing short-term financial aid to the men and women of the United States Coast Guard. Today, Coast Guard Mutual Assistance offers financial assistance to the entire Coast Guard family; Active Duty and Retired military personnel, Civilian employees, Reservists, Auxiliarists, Commissioned officers of the Public Health Service serving with the Coast Guard, and their families. Mutual Assistance is administered by the Board of Control at Coast Guard Headquarters in Washington, D.C., by Regional Directors in various CGMA regions throughout the country, and by Representatives at selected duty stations. In most cases, people who need assistance submit their requests to a Representative. CGMA funds come solely from the contributions of Coast Guard personnel and other individuals, and from revenues derived from investment of accrued capital. Coast Guard Mutual Assistance offers its members various services under each of the programs, including loans, grants, financial counseling, and referral to other sources. The goal of CGMA is to treat each individual needing help with sensitivity and understanding and to be as responsive as possible to the needs of eligible Mutual Assistance applicants. Coast Guard Mutual Assistance helps thousands of members each year obtain loans through its six programs. In consequence, Mutual Assistance has a keen awareness of the important role loans play in assisting members to meet their financial needs. At the same time, Mutual Assistance understands the pitfalls that await members who become over- burdened with debt and find repayment a hardship. Because of this, we urge members not to borrow any more than is absolutely necessary. Mutual Assistance loans should be used to supplement, not take the place of other available assistance, such as parental and family aid, financial counseling, and state and federal programs. Used responsibly, loans can be tremendously helpful. Used irresponsibly, they can become an overwhelming burden. General information concerning Coast Guard Mutual Assistance is available on the CGMA-HQ web site at www.cgmahq.org. Specific information concerning CGMA Programs is contained in the Coast Guard Mutual Assistance Manual. All Regional Directors and Mutual Assistance Representatives have copies available for review. Contact your local CGMA Representatives for assistance. “We Look After Our Own” Eligibility Except for restricted members, everyone associated with the Coast Guard is eligible to receive assistance from CGMA. Active Duty and Retired military personnel; Civilian and CGES employees; Reservists; Auxiliarists; Commissioned Officers of the Public Health Service serving with the Coast Guard; and their families, are all eligible to receive assistance from CGMA. Additionally, CGMA has reciprocal agreements with the Air Force Aid Society, Army Emergency Relief, Navy-Marine Corps Relief Society and the American Red Cross that allows Coast Guard members to receive emergency assistance from these organizations when CGMA is not available. Assistance is provided to members through six programs. Each program is designed to meet the unique circumstances faced by individuals from each segment of the Coast Guard family; therefore, certain CGMA programs are available to a limited portion of the Coast Guard family. However, 73% of all assistance provided by CGMA falls under the Emergency Loan, General Assistance and Education Assistance Programs. Virtually all Coast Guard members and employees are entitled to receive assistance under these three programs. Programs This list briefly describes the six programs. The Coast Guard Mutual Assistance Manual contains detailed information concerning eligibility requirements and procedures to obtain assistance. EMERGENCY LOAN PROGRAM One of the main purposes of Coast Guard Mutual Assistance is to provide financial assistance to members caught in emergency, short-term, financial situations beyond their control. Emergency loans are generally authorized in circumstances that impose a serious financial or personal hardship on the member requiring urgent help to relieve the situation. GENERAL ASSISTANCE PROGRAM General Assistance may be provided when unexpected events or expenses cause a serious financial burden and financial need is demonstrated. General Assistance differs from the Emergency Loan program because the qualifying circumstances do not immediately endanger personal well-being or require urgent help. EDUCATION ASSISTANCE PROGRAM Coast Guard Mutual Assistance has developed several programs to help members and their families financially meet their educational goals. Education assistance is available through several CGMA education programs: ♦ Education Grant Program. ♦ Supplemental Education Grant (SEG) Program. ♦ Federal Student Loan Program. ♦ Supplemental Student Loan Program. ♦ Vocational and Technical Training (VoTech) Student Loan Program. HOUSING ASSISTANCE PROGRAM The Housing Assistance Program helps Coast Guard service members and their families obtain housing. Regional Directors are authorized to assist eligible personnel in the purchase of a home through loans for closing commitments. Rental Assistance is authorized to assist eligible personnel with
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