COMMUNITY FINANCIAL CREDIT UNION WILL BE A TRUE COOPERATIVE, PROVIDING SUPERIOR ECONOMIC VALUE AND SOUND FINANCIAL CONSULTATION TO OUR MEMBERS WHILE REWARDING OUR MOST LOYAL MEMBERS FOR THEIR COMMITMENT TO THE COOPERATIVE.

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Become A Member Today

Community Financial Credit Union is a cooperative dedicated to providing sound financial products, services and advice to our members while rewarding our most loyal members. We continued that tradition during 2013 with another Member Bonus payout of over $300,000 to our Gold and Platinum relationship status members.

We remain committed to our vision and believe our plan is working for our members. We are developing deeper relationships, providing more cost effective products and services, helping members make more sound financial decisions and rewarding those who bring more of their financial relationships to the credit union.

The current economic and regulatory environment is not favorable for our credit union and we are beginning to focus on our future and how we can remain relevant and provide more value for our current and prospective members. Rates, fees and service delivery will be a major focus for us for the foreseeable future. We plan to open a new location in 2014 and will likely make changes to our product offerings to reflect changes in our cost structure.

Most importantly, we will strive to find more effective ways to communicate these changes and the overall value of our cooperative and long-term approach to all of our members.

Financially, we remain very strong with a high capital level and excellent growth and earnings. Your Board of Directors and Management are committed to the success of the credit union and work hard to keep our financial position very strong.

Please let us know if you have any questions or comments about your credit union.

Thank you!

Leon Oenes Greg HillChairperson President/CEO

“We are developing deeper relationships, providing more cost effective products and services, helping members make more sound financial decisions...”

OUR VISION:

2013/2014 Board of Directors: Leon Oenes (Chairperson), Jerald Zarret (Vice Chairperson), David Christensen (Secretary), Brenda Douglass, Chris Hoecher, Dea McCart and Danny Smith

Supervisory Committee: Pat Hyman (Chairperson), Tami Bowman and Nicholas Walter

Community Financial Credit Union will be a true cooperative, providing superior economic value and sound financial consultation to our members while rewarding our most loyal members for their commitment to the cooperative.

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Net Loans $ 113,423,000

Cash and Investments $ 28,555,000

Other Assets $ 4,769,000

Total Assets $ 146,747,000

Deposits $ 125,636,000

Other Liabilities $ 2,229,000

Total Equity $ 18,882,000

Total Liabilities + Equity $ 146,747,000

BALANCE SHEET

2013 FINANCIAL SUMMARYYear End 2013

INCOME STATEMENT

For full Financial Statements, please visit www.YourLocalCreditUnion.com

Interest Income $ 5,489,000

Fee and Other Income $ 1,870,000

Interest Expense $ 698,000

Provision for Loan Loss $ 343,000

Operating Expenses $ 5,054,000

NCUSIF Expense $ 96,000

Net Income $ 1,168,000

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$107

,693

,887

$116

,506

,507

$118

,403

,404

$126

,569

,000

$136

,923

,000

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2009

2010

2011

2012

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7,903

1,139

2,733

AVERAGE RELATIONSHIP PER MEMBER IN 2013:

$146

,700

,000

2013

11,775 MEMBERS

ASSET GROWTH

This year we also introducedour mobile eBanking appwhich is compatible with

iPhone®, iPad®, and Android devices.

$19,631.00

Community Financial Credit Union

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MEMBER

BONUS

AMOUNTS PAID AS MEMBER BONUS

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2009

2010

20112012

2013

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Our Annual Member Appreciation Event will be held on Saturday, July 12 at Broomfield Commons Park from 5:00 p.m. to 8:00 p.m. as a prelude to our summer Movies in the Park community event.

MEMBER APPRECIATION DAYSATURDAY, JULY 12

$375

,000

$305

,000

$300

,000

$320

,000

$205

,000

$250

,000

2013

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6850 W 119th Ave • Broomfield, CO 80020YourLocalCreditUnion.com • 303.469.5366