
The credit union continues to grow and prosper as we maintain a very strong financial position. The third quarter proved to be one of the best quarters in our history. Loan and deposit growth have been strong throughout the first three quarters of 2009. Assets have increased over 10.7%, Loan Outstanding are up 7.2%, Savings Balances have increased 7.1%. We continue to build a strong capital base as our Capital to Asset Ratios remains above 13%. We are proud of the accomplishments through September as we continue to focus on the needs of the membership.
Kemba realizes these tough economic times are a concern to our membership. Our goal is to provide every resource available through the credit union to help you maintain your financial stability. Our staff is ready to assist you in any way possible. If we can be of service to you, please call or visit any of our convenient locations.
We are very excited about the new building being built in Amelia. This building will replace the current facility that has been operating for the past eight years. The new branch is scheduled to open in early November. Coupled with the experienced and friendly staff the new branch will provide Kemba members a state of the art facility. Our new branch will have a multiple lane drive-thru with a drive-up ATM. I invite you to stop by and visit this new office.
Your credit union is proud to announce our new high interest Get Green Checking. Get Green checking is a great way for you to earn high dividend rates on your checking account. The criteria for this account is a very simple way for you to get the highest return on your checking dollars and receive ATM refunds.
I would like to thank you for your dedicated support of the credit union. We continue to bring the latest products and services available to serve your needs. We are here to serve YOU!

Steve Behler, President and CEO