b'2024 Social Impact ReportA Message from our CEOIn 2025, we look ahead to exciting newIn September 2024, we gathered with our possibilities. With the launch of Kalukalustaff, leadership, and Board of Directors at 1624, we are stewarding a cooperativeto reflect on what it means to be a credit economy that honors culture, community,union of Kauai and for Kauai, serving and climate; designing acooperativethose who build, teach, protect, and care for space that unites our credit union with theourisland. It means investing courageously community to build a resilient, thrivingwhere it matters the mostin the families, local economy.We now offer services atentrepreneurs, and smallbusinesses at the three branches: Lihue, Kilauea and Kapaa;heart of our community. Every single deposit, something we can truly be proud of.no matter how humble, is an investment in a better future, ensuring no one is left behind.The past year has been one of investing in the future of our credit union For this, I thank our team and our partnersrenovating the Kalukalu space, openingfor their deeply felt work. I thank Monica Belz a pop-up branch within, designing thefor her vision and leadership as CEO overnext phase of construction (upstairs andsix years.I thank the Board for entrustingdown), and engaging with partners whome to continue the work of my predecessors. share our aspiration for community-ledFinally, I thank you, our members, for allowing economic growth. Were excited to seeus to demonstrate, through trust andour Kapaa space come to life, creatingaction, that a small credit union can have a more opportunities for innovation andhuge impact.collaboration. The revitalization and growth of our creditAloha,union are rooted in an intention to serve the community that began nearly 78 years ago. Since 2018, we have grown our asset baseSean Kaley by 78%. Kalukalu at 1624 is more than justKauai FCU President/CEOa nameits a place where our credit union connects local people with local solutions. We offer mission-focused financial services. We create a space where like-minded partners can co-create and innovate. We foster an environment where positive economic change can happen.2 3'