STEADY. SMART. GROWING
Strength with Purpose in a Changing World
In a year shaped by global volatility, sustained interest rate pressure, evolving regulatory expectations,
and accelerated digital transformation, OAS FCU remained steady in its commitment to members.
Through disciplined financial management, strengthened governance, and thoughtful service enhancements,
we continued building a foundation for sustainable growth.
While markets shifted, our commitment did not. We stayed focused on protecting member equity,
operating responsibly, and growing with purpose.
CHAIR'S MESSAGE
On behalf of the Board of Directors, I am pleased to present the highlights of the work and achievements of OAS Federal Credit Union during 2025. This year has been defined by steady growth, operational resilience, and the continued commitment of our volunteers and staff to serve our diverse international membership.
PART OF EVERY STORY
Whether you’re starting your first job, managing unexpected expenses, or planning for retirement, we listen first and act with empathy. Our services—from flexible loans to financial counseling—are designed to fit your life, not the other way around.
Every day, we honor the stories of our members by offering more than accounts and transactions—we offer understanding, respect, and partnership.
CEO'S MESSAGE
The year 2025 unfolded within a complex and evolving global environment. Sociopolitical uncertainty, shifting economic conditions, and continued volatility across financial markets shaped the context in which individuals, organizations, and financial institutions operated. For OAS FCU, this was a year that required discipline, deliberation, and resilience—remaining steady in our foundation, thoughtful in our decisions, and focused on sustainable growth.
STRATEGIC PRIORITIES IN ACTION
STRATEGIC PRIORITIES IN ACTION
Growing with Purpose
Growth at OAS FCU is not measured solely by scale, but by the value delivered to each member.
New Members Joined
Open rate on marketing emails
Financial Education Engagement*
* Over half of our members actively engaged with our educational content
Number of paper sheets saved
through electronic applications
Strengthening the Framework
Strengthening the Framework
Strengthening the Framework
We continued promoting digital adoption through increased eStatements enrollment, reducing paper usage and improving service efficiency. Our Green Committee initiatives and community engagement efforts further reinforced our commitment to responsible operations.
Sustainable growth also means maintaining disciplined lending practices and protecting capital to ensure we can serve future generations of members responsibly.
Empowering Members: Digital Support & Personalized Financial Guidance
Confidential, no-cost financial counseling sessions help members identify strategies to lower interest rates and monthly payments, promoting sustainable financial wellness and empowering better money management.
Responsibility Beyond the Balance Sheet
Responsibility Beyond the Balance Sheet
During the year, we strengthened vendor governance processes, reinforced data protection standards in alignment with evolving regulatory expectations, and enhanced oversight mechanisms to safeguard member information.
Our Board and management teams continued to monitor financial performance, portfolio quality, and operational controls to ensure institutional resilience and long-term stability.
Empowering Members: Digital Support & Personalized Financial Guidance
Empowering Members: Digital Support & Personalized Financial Guidance
What Growth Means at OAS FCU
At OAS FCU, growth is intentional. We are not chasing scale. We are building strength.
Boosting financial resilience via holistic counseling and education services
Lending
Selective lending aligned with prudent risk management
Relief
Smart financial relief solutions tailored to member needs
Member-Focused Solutions
Financial solutions designed around member needs
Infrastructure
Strengthening infrastructure before expansion
People
Investing in people
Digital
Digital foundations
FINANCIAL HIGHLIGHTS
Loan amount disbursed
Total Loan Portfolio
CREDIT COMMITTEE REPORT
The Credit Committee is pleased to report that during 2024, 1,893 loans were disbursed, totaling $27.67 million. While this represents a decrease compared to 2023, when 2,050 loans totaling $39.45 million were issued, the numbers reflect a strategic and member-focused approach in a tightening economic climate. The global rise in interest rates and shifting consumer behavior contributed to this decline, but our priority remained constant: providing responsible, need-based lending that supports our members’ well-being.
Loans
Loan Portfolio Growth
CREDIT COMMITTEE REPORT
Number of Loans Disbursed
Loan amount disbursed
Total Loan Portfolio
CREDIT COMMITTEE REPORT
The Credit Committee is pleased to report that during 2024, 1,893 loans were disbursed, totaling $27.67 million. While this represents a decrease compared to 2023, when 2,050 loans totaling $39.45 million were issued, the numbers reflect a strategic and member-focused approach in a tightening economic climate. The global rise in interest rates and shifting consumer behavior contributed to this decline, but our priority remained constant: providing responsible, need-based lending that supports our members’ well-being.
Financial Highlights
Total Assets
Net Worth Ratio
Loans Outstanding
Total Deposits
SUPERVISORY COMMITTEE REPORT
The Board of Directors of OAS FCU entrusts the Supervisory Committee with several critical responsibilities, including:
• Ensuring that Credit Union management reports faithfully and accurately on the financial condition of OAS FCU.
• Verifying that policies, procedures, and practices of the Credit Union are effective in protecting the assets of our members.
CUMA 2025 Bronze Mortgage Production Award
We are proud to share that the OAS FCU mortgage team received the 2025 Bronze Mortgage Production Award from CUMA.
This recognition reflects a strong commitment to delivering personalized home financing solutions and supporting members’ evolving needs.
OUR GREAT TEAM
Board of Directors & Committee Volunteers
.
Management, Team & Staff
.
Retirements & Years of Service
.In Memory of Maria “Mickey” Nedelcovic
In Memory of Maria “Mickey” Nedelcovic
We honor the memory of Maria “Mickey” Nedelcovic, whose warmth, generosity, and spirit left a lasting mark on the OAS FCU family.
Mickey was a meaningful presence to both colleagues and members alike. Her impact extended beyond the professional, reflected in the relationships she built and the consistent support she offered to those around her.
We remember her with deep respect and gratitude as an essential part of our community.
your needs—not the other way around.
REAL SOLUTIONS FOR REAL LIFE
Loans approved, including personal loans and debt consolidation
Members reached with financial counseling
Growth in our membership across the Americas
Loan applications
Loan Portfolio
Growth in our membership across the Americas
Growth in our membership across the Americas
CREDIT COMMITTEE REPORT
The Credit Committee is pleased to report that during 2024, 1,893 loans were disbursed, totaling $27.67 million. While this represents a decrease compared to 2023, when 2,050 loans totaling $39.45 million were issued, the numbers reflect a strategic and member-focused approach in a tightening economic climate. The global rise in interest rates and shifting consumer behavior contributed to this decline, but our priority remained constant: providing responsible, need-based lending that supports our members’ well-being.
CONTINUING OUR PROMISE
STRONG FINANCIALS
Special loan rates to finance green initiatives
Our Loan Program During Challenging Times
Shares: Competitive and diverse programs for the needs of our members
Kick-off Project
ENHANCING OUR MEMBERS' FINANCIAL WELL-BEING
CEO'S MESSAGE
Dear members of OAS FCU:
When reporting on our Credit Union for 2023, I consider last year to be one of survival to challenges and change. During the first full year after the COVID pandemic, OAS FCU faced many situations and tests that had a strong effect, not just on us as a financial institution, but on all of us, its members.
Last year many of us saw a change in our workstyles. The slow return to in-office work has affected both the membership and our staff, and we continue to work actively with everyone to ensure that we are always available to assist you, in person, by phone, or digitally.
BY YOUR SIDE, ALWAYS
Thank you for letting us walk this path with you.
OAS
$66M
CAF
$36M
IICA
$9M
NatGeo
$7M
IACHR
$4M
Others
$8M
OUR MISSION
OUR VISION
Dividends Paid to Members
Total Deposits
Total Shares
PART OF EVERY STORY
Kick-off Project
Our membership grew by 100% across the Americas.
CAF
$36M
IICA
$9M
**Life is unpredictable—our solutions can help you adapt and thrive..**
New and improved Credit Cards including contactless technology, 0% interest rate on purchases for 12 months, no international transaction fees, no annual fee.*
*Members who have an OAS FCU Visa Platinum card, will see their $65 annual fee waived until April 24, 2024. We will also waive the first annual fee for any Platinum credit card opened between April 15, 2023 and September 30, 2023.
Because the members that cannot reach us in person are just as important for us as those who do, we are opening a new “office” that will serve members by phone, email, video and other new means that we’ll be unveiling soon!
– Branch at National Geographic: New space assigned at the remodeled National Geographic Building, currently under construction.
– OAS FCU Branch: Planning and construction started to remodel our main branch and make it more sustainable and environmentally friendly.
New and easy-to-use platform to apply for membership. It includes a streamlined process and initial deposit options using a debit card from any country, or ACH from a US-based financial institution.
New and improved Credit Cards including contactless technology, 0% interest rate on purchases for 12 months, no international transaction fees, no annual fee.*
*Members who have an OAS FCU Visa Platinum card, will see their $65 annual fee waived until April 24, 2024. We will also waive the first annual fee for any Platinum credit card opened between April 15, 2023 and September 30, 2023.
Because the members that cannot reach us in person are just as important for us as those who do, we are opening a new “office” that will serve members by phone, email, video and other new means that we’ll be unveiling soon!
– Branch at National Geographic: New space assigned at the remodeled National Geographic Building, currently under construction.
– OAS FCU Branch: Planning and construction started to remodel our main branch and make it more sustainable and environmentally friendly.
New and easy-to-use platform to apply for membership. It includes a streamlined process and initial deposit options using a debit card from any country, or ACH from a US-based financial institution.
Lunched Product and Tools
Total Online Users
Domestic ACH and Wires
Online Transfers:
International ACH and Wires
FINANCIAL STABILITY: AN INSTITUTION LIKE NO OTHER
Total Assets
Return on Assets
Total Loans grew
Total Deposits reached
Loan to Assets Ratio
Net worth ratio
Average growth per year, in the last 3 years
Total Assets grew to
Total Assets Increased by
Total Shares reached
Return on Assets
Net worth ratio
Other financials
A safe and secure institution that members can trust.
Like banks, deposits in credit unions are federally insured by NCUA's Share Insurance Fund for up to $250,000 per individual depositor. Also, know that credit union regulators require higher capital reserves than those required for banks –a requirement that reduces liquidity concerns.
A not-for-profit member-owned cooperative.
As a cooperative, we are accountable to our 8,622 members rather than to unknown stockholders. We use our revenue to benefit you by offering market-leading products that are safe and support our stability, making us much less likely to falter during major market fluctuations or regulatory changes in the industry.
A diverse, healthy balance sheet.
Our priorities are aligned with those of our members. This is why we take a conservative approach to managing our members' deposits. We choose a lower-risk investment strategy and do not engage in risky practices to meet stockholders' profit demands. Instead, our portfolio is diverse and not dependent on a sole industry.
At OAS FCU, we understand that money touches every part of life, and we are here to offer steady support through all seasons. Whether you need advice on budgeting, want to explore loan options, or seek guidance on protecting your identity, our team is ready to listen and help.
With us by your side, you never have to face challenges alone. Reach out anytime—we’re here for you.
Loans
Loan Portfolio Growth
CREDIT COMMITTEE REPORT
Total Deposits
Total Assets
Total Loans
Total Loan to assets
Loan Disbursed
We have always cared for our members, the communities we serve, and the staff and volunteers that help us provide it. We have added our planet to the list of those we serve and care for, and from now on we will help protect it, and hope we set an example for others.
Total Online Users
Domestic ACH and Wires
Online Transfers
International ACH and Wires
Debit Card transactions
Remote Deposits
Total number of applications and requests completed electronically via DocuSign
OAS FCU headquarters outperforms 86% of similar buildings nationwide. It also uses 43% less energy per square foot than the national average.
ENERGY STAR
Certified Building 2023
OAS FCU headquarters outperforms 86% of similar buildings nationwide. It also uses 43% less energy per square foot than the national average.
ENERGY STAR
Certified Building 2023
outperforms 86% of similar
buildings nationwide
per square foot than
the national average
Organization of American States, OAS
Development Bank of Latin America, CAF
National Geographic
IICA
Others
AGE DISTRIBUTION
Silent (Ages 74-91)
Boomers (Ages 55-70)
Generation X (Ages 39-54)
Millenials (Ages 23-38)
Generation Z (Ages 7-22)
IICA $8,993,130
NatGeo $6,793,549
OAS $65,729,568
Members Living in the US
Remote deposits
Members Living abroad
Debit Card transactions
Online Banking users
Total logins
CAF $36,379,530
CUE $1,312,067
IACHR $4,286,745
IICA $8,993,130
NatGeo $6,793,549
OAS $65,729,568
CAF $36,379,530
CUE $1,312,067
IACHR $4,286,745
Loans
Loan Portfolio Growth
CREDIT COMMITTEE REPORT
STRONGER NUMBERS
Total Shares
$269,634,084
Total Loans
$159,028,429
Net Worth Ratio: 7.53%
Total Assets
$291,962,032
Luis Raul Betances
Fernando Chaves
Charles U. Edwards.
Guided by the very same mission of serving the global financial needs of our members, after 60 years of service, we are proud to be strong and your financial partner for life. We will continue to invest our resources to deliver outstanding service and benefits so that our members can continue to build an even stronger future.
STRONGER IMPACT
Members
Consumer Loans
Share Accounts
Mortgages & other loans
Club accounts & Share Certificates
Loans Disbursed
Draft Checking accounts
Organizations in our Field of Membership
Titanium Award Recipient
2nd highest award recognizing our outstanding home loan production of over $35 million in 2021.
4th United in Sustainability Summit Co-Hosts
Reached more than 116 credit unions and organizations.
FOUNDING MEMBERS
We want to thank the following individuals who got OAS FCU started and made it possible for all of us to be here today. Sixty years later we’re proud to continue working on our founders’ mission: To deliver the best member experience by combining our distinctive personalized services with relevant technologies. And thank you, our members, for 60 years of trust in their vision, and the work we do.
Luis Raul Betances
Fernando Chaves
Charles U. Edwards.
Philip F. Gallagher
Clarence R. Jauchem
Charles P. Miller.
C.A. Orantes
Felipe Orellana
R.G. Sanchez.
Leon K. Smith
Luis Solorzano
Mario Yuri.
MEMORIES AND MILESTONES
OUR GREAT TEAM
Matt Connors
Lead Dev
Christy Walkins
CSS Guru
Brent Matthews
Project Cordinator
Trisha Johnson
Design ExpertLATEST NEWS
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