As a cooperative, our over 9,600 members own and, through their elected representatives, control the Credit Union. Voting is based upon democratic principles, because regardless of the amount a member has in shares (savings), each member gets one vote. Thirty individuals currently serve as unpaid, volunteer officials. This cooperative spirit of members serving members, along with our service-oriented staff, is the cornerstone of our success.
2016 - 2017 Volunteers
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Directors are volunteers elected by the members for a term of three years. The Board of Directors meets monthly to provide general direction and oversight of the Credit Union in accordance with the Federal Credit Union Act and the Rules and Regulations of the National Credit Union Administration.
The Executive Committee seeks to improve the communication between the management team and the Board of Directors.
The Credit Committee is made up of five members elected for two-year terms, and five alternates designated by the Board of Directors. A group of at least three of these members meets once a week to review, in a confidential manner, loan requests that exceed the lending authority of Credit Union management or are exceptions to Credit Committee guidelines. The financial capacity and credit history of each applicant are analyzed to assure that loan payments will not overburden the member’s cash flow and that the best interests of both the member and the Credit Union will be served. The Committee also offers alternative financing options to help members solve their financial problems.
The responsibility of the Financial Committee is to control the financial position of the Cooperative and to make financial recommendations to the Board of Directors.
* Non-voting members
The role of the Member Services Committee is to monitor the products and services provided to members and to make recommendations to the Board of Directors on products and services.
* Non-voting members
The five-member Supervisory Committee, appointed by the Board of Directors, is responsible for overseeing quarterly agreed-upon procedures and annual external audits and for monitoring compliance with the regulatory requirements of the National Credit Union Administration (NCUA). This includes selecting auditors, verifying member accounts, reviewing internal controls to assure proper compliance, responding to member complaints, and recommending procedural improvements.
The National Credit Union Administration cites these as: