Financial Statement

2009 Annual Report

For the year ended December 31, 2009

We are pleased to report strong earnings of $1,339,853 added to the bottom line for the 12 months ended 12/31/09. The Credit Union's business model continues to produce positive growth with steady long-term prospects.

Despite management's positive outlook, impaired assets within the Corporate Credit Union System have placed a strain on the National Credit Union Share Insurance Fund (NCUSIF). In response to this strain, the National Credit Union Association (NCUA) board mandated a one-time pro-rata write down of deposits and a premium assessment for all federally insured credit unions as of March 31, 2009.

In June 2009, the President and Congress approved legislation favorable to the industry allowing the NCUSIF to borrow from the US Treasury to recapitalize the corporate credit union system. As such, the NCUSIF deposit write down imposed in March was reversed and restated accordingly for natural person credit unions. The above presentation of America's Christian Credit Union's results reflect our earnings before and after this write down and assessment.

Although this systemic risk was unexpected by our nations credit unions, your America's Christian Credit Union remains well capitalized and in the highest tier of compliance as defined by regulators. Fundamentals related to our operating performance remain strong and on track according to our 2009 plan.

If you have further questions, please contact our President/CEO, Mr. Mendell Thompson or our VP/CFO, Mrs. Nicolette Harms.

(UNAUDITED)