b'Chairpersons ReportAs we look back on 2025, it was a year dened by listening, learning, and responding to what matters most to our members.Kauai Federal Credit Union remained focused on understanding the evolving needs of our community and adapting our services, programs, and outreach to better support members at every stage of their nancial journey.By staying connected and engaged, we strengthened relation-ships and continued to build a credit union shaped by the voices of the people we serve.Member experience remained at the center of everything we did in 2025, as we thoughtfully incorporat-ed technology to enhance convenience without losing the personal service our members expect.We installed Interactive Teller Machines at our Kapaa branch, allowing members to access a broader range ofservicesthanwaspreviouslyavailableattraditionalmachineswhilestillenjoyinganin-branch staff-assisted experience. We also upgraded our debit and credit card programs, introducing contact-less payment capabilities, advanced tokenization for digital wallet use, and a new rewards program. These enhancements were made to ensure members have modern, secure, and exible tools that sup-port everyday nancial needs.Kalukalu at 1624 continued to serve as a hub for collaboration and connection, hosting a wide range of community-focused events. Kauai Federal Credit Union collaborated with partners to deliver innovative, practical solutions that promote a thriving, resilient Kauai.Functions hosted at Kalukalu included events to support small businesses, the Kauai Chamber of Commerce Business Pau Hana, and gatherings with community partners, including the Ofce of Hawaiian Affairs, the East Kauai Community Circulation Plan, the Kauai Board of Realtors, and the Indigenous Data Hub. These activities reinforced Kalukalus role as a place where ideas, partnerships, and solutions can grow in service of our island home.Supporting members through education and access to practical nancial tools was a central priority in 2025.Kauai Federal Credit Union hosted a variety of member education events, designed to make nancial learning accessible, engaging, and practical.These events included Financial Literacy Bingo Night, an Entrepreneurial Workshop, a Tax Assistance event, and a Small Business Hub, in partnership with the County of Kauai Ofce of Economic Development, where members could meet one-on-one with resource providers. We also partnered with Inpac Wealth to host a retirement-planning event, sup-porting members in planning for long-term nancial security.As we look ahead to 2026, we do so with condence in our mission and in the people who bring it to life every day. No matter the economic climate, our commitment to member experience, community part-nership, and nancial well-being will continue to guide us forward.The Board of Directors extends its sincere appreciation to our members for their trust, to our leadership team for their thoughtful stewardship, and to our employees for their dedication and professionalism throughout the year. Their collective efforts ensured that Kauai Federal Credit Union remained strong, responsive, and deeply connected to the community we serve.Mahalo for being part of Kauai Federal Credit Union.Kimberly MetcalfeChairperson, Board of Directors'