b'President/CEOs ReportAloha Members, With 2025 now in the books, we can look back on what we accomplished this past year and look ahead to what the future holds for our credit union.I am proud to be part of an organization that exemplies its mission to create opportunities that empower Kauai families through nancial solutions and community connections.I see this every day in the work our staff does.Whether itsassistingrsttimehomebuyersobtaindownpaymentassistancegrants,hostingnancial literacy programs at our economic resilience center, Kalukalu at 1624, nancing small businesses,ndingsolutionsforpeoplesborrowingneedsbigandsmall,offeringquickandconvenient deposit and payment services, or granting scholarships that enable the next generation of lead-erstofulltheireducationgoals,ourteamisalwaystheretohelpourmembersreachtheir dreams.2025 was a year of signicant accomplishments.We saw the credit union maintain nearly $200 million in assets while core deposits grew by $7 million.Despite this growth, we remained well capitalized with a net worth ratio of 8.3% at year-end.It is wonderful to see the growth of our Nalu Checking and Anuenue Savings programs as this translates directly into cash in the pockets of our members.In 2025, we paid a total of $76,000 in cash back rewards and $64,000 in dividends to our Nalu and Anuenue account holders.While empowering the individuals who build, protect, teach, and care for our island has always been at the core of everything we do, I am particularly excited about how we have expanded that to serve the needs of small businesses within our eld of membership.We know how important locally owned and operated businesses are to our com-munity; its vital that we step up to provide the support they need.2025 also saw an upgrade to our debit and credit card programs.Although the effort on this proj-ect was likely unnoticed by the membership, our team worked tirelessly for months to ensure a seamless transition.I am excited about the new features this project has enabled, including tap-to-pay, digital wallets, the new Kauai FCU Rewards credit card program, and improved func-tionality and integration with the mobile app and online banking.Looking ahead to 2026 is a great opportunity for us to reafrm our commitment to the credit unions mission and purpose by embodying our organizational values: Exceptional Service; Trust; Connection with Community; and Empowerment.Thank you for trusting us as your nancial part-ner.Every deposit in the credit union, no matter how small, is an investment in our community and shared purpose.Aloha, Sean Kaley'