b'RESPONSIBLE Our small CU originated over $38 million in new loans in 2022, LENDING growing our portfolio by 10%. Our net income grew by 16% and our overall net worth by 39.5%. WE ARE SMALL,BUT POWERFUL. Receiving ones first loan is an equally exciting and nerve-racking experience. I hear from our members how much theyve learned from the interaction and how grateful they are for the wisdom. Witnessing our members confidence in their financial dealings initiated and reinforced is another gratifying aspect of working in Kauai FCUs Loan Department. Ana Kanoho, Loans Officer'