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Statement of Income and Expenses 2025 2024Interest IncomeConsumer Loans $ 34,949,172 $ 31,556,880Real Estate Loans 7,210,425 6,414,305Business Loans 3,039,721 3,131,071Total Loan Interest Income 45,199,318 41,102,256Investment Income 5,125,235 4,685,278Total Interest Income 50,351,553 45,787,534Interest ExpenseRegular Share Dividends 266,343 379,035Share Draft Dividends 120,147 146,423Money Market Dividends 3,474,075 3,401,218IRA Account Dividends 688,020 698,818Certificates of Deposit Dividends 8,245,036 7,693,194Interest on Borrowed Funds 1,668,630 1,918,728Total Interest Expense 14,462,250 14,237,416Net Interest Income 35,889,303 31,550,118Loan Loss Provision 9,232,612 6,528,230Interest Income After Loan Loss Provision 26,656,691 25,021,888Operating ExpensesSalaries & Benefits 21,435,555 21,253,691Training, Travel & Conference 789,371 790,102Association Dues 58,153 50,018Office Occupancy & Operations 13,980,597 12,868,330Education & Promotion 1,333,541 1,183,543Loan Servicing 2,143,975 1,793,488Professional Services 620,342 760,549Misc. Operating Expenses 229,535 301,644Total Operating Expenses 40,591,069 39,001,365Other Operating Income 16,848,381 16,285,937Net Before Non-Operating Expenses/Income 2,914,003 2,306,460Non-Operating Expense/Income (21,281) 90,564Net Income $ 2,892,722 $ 2,397,024 STATISTICS 2025 2024Members 67,481 65,769Loans 59,871 60,078Loans Closed 19,465 17,140Loans Closed Dollars $ 173,386,862 $ 148,466,162Delinquent Loans 643 671Delinquent Dollars $ 7,303,294 $ 7,434,261UnauditedAs of December 31, 2025 & 202414 | 2025 IMPACT REPORT %u2022 MEMBERS FIRST CREDIT UNION