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As we look back on 2020, it’s hard to forget all the challenges we experienced together. Together we endured a once in a lifetime global pandemic, accompanied by a financial recession. From the start of the pandemic, we were forced to modify our behaviors, habits, and routines. We were asked by health professionals to distance ourselves from loved ones, family members, and friends. It was indeed a year of uncertainties and frustrations. While 2020 may be a year that many of us want to forget, I will never forget how Kemba’s Board of Directors and staff stepped in to offer much needed support for members of our credit union, small business community, and neighboring areas.
Support for our Members
We continued to work with our members to provide financial support during this pandemic. Some examples of this include creating a new pandemic hardship loan program, deferring loan payments, waiving monthly and transaction fees, and providing our Summer Skip- A-Payment loan program at no cost to members. We invested in a comprehensive online/mobile branch scheduling tool to serve members effectively and safely.
Support for Small Businesses
Becoming a Small Business Administration Paycheck Protection Program lender for local businesses was a high priority for the credit union. Kemba’s staff worked tirelessly to implement this program and bring much needed financing to our small business members. I’m proud to report that more than 230 local businesses turned to Kemba to take advantage of this small business loan program.
Support for our Communities
Although health and safety restrictions did not allow us to hold some of our major community events in 2020 like Shred Day, we still managed to positively impact our local communities. For example, we raised nearly $40,000 for the 2020 Freestore Foodbank Rubber Duck Regatta and our annual golf outing raised more than $36,000 for the Cincinnati Fire Foundation.
I am immensely proud of the entire Kemba Credit Union team. They continue to report to work each day, committed and dedicated to supporting each other and the membership. They are more than financial first responders, they are member service heroes, living out the credit union motto of “people helping people” every day.
As we turn the calendar to 2021, I am confident that there are brighter days ahead for all of us. On behalf of the Board of Directors and the entire Kemba Credit Union team, we wish you a very safe and prosperous 2021. We thank you for your business, your continued trust, and most importantly, we thank you for your credit union membership.
Dan Sutton

Financial Summary