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Dear valued members & friends,

All of us at America’s Christian Credit Union (ACCU) take pride in presenting to you our annual report for 2018—a record of strong performance and sustained engagement with our members. We are honored that more than 130,000 members have placed their trust in us. It’s been our privilege to provide churches, ministries, and individuals with financial solutions that build the Kingdom.

ACCU’s solid earnings in 2018 and strong capital levels enabled us to invest in improved digital capabilities and initiatives that allowed us to continue to deepen member relationships. ACCU reported net income of $3.7 million, solid growth in Total Loans, Shares, Assets and Net Worth, a loan portfolio that was 99.84% current, and return on assets (ROA) of .97%.

In addition to being a strong financial partner for our members, we are mindful of our responsibility to be faithful stewards of God’s blessings. Indeed, I believe that the most crucial principle in the whole Bible is the concept of “blessed to be a blessing.” We recognize that everything we have received from God is ultimately to be used for the benefit of others and to serve a higher purpose. We are humbled that God is using our Credit Union to play a significant role in the life of the church, society and the Kingdom of God. We are committed to building stronger families, communities, ministries and futures.

In 2018, we partnered with hundreds of churches, ministries, schools, nonprofit organizations and families across the country as an expression of our commitment to mission. This Annual Report is one of our ways of sharing the many achievements that demonstrate our deep dedication to our stakeholders—employees, members, communities and society.

We are excited about the future and appreciate the opportunity to partner with you to make a positive impact in our world for Jesus. Thank you for your ongoing support. We value your partnership and are faith-filled about our journey ahead.

Blessings in Christ,

Mendell L. Thompson

The Eternal Value

Our members have access to a wealth of knowledge to assist in financial management — and sow the seeds for a better tomorrow.