OAS FCU 2026 Annual Report – For the Year Ending December 31, 2025

During 2025, the Credit Committee continued to provide oversight of the Credit Union’s lending activities, supporting disciplined and sustainable growth while safeguarding the institution’s financial stability. In a changing economic environment, the Committee focused on monitoring loan portfolio performance, reviewing key risk indicators, and ensuring that lending decisions remained aligned with the Credit Union’s established risk tolerance and prudent underwriting standards.

Throughout the year, the Committee regularly reviewed lending activity, delinquency trends, and overall portfolio quality in collaboration with management. These reviews helped ensure that lending practices remained consistent with the Credit Union’s policies and long-term stability objectives, balancing responsible access to credit with the protection of member assets. By year-end, the loan portfolio totaled $164,970,750, compared with $160,522,690 at December 31, 2024. Lending activity also increased during the year, with 3,138 loans disbursed totaling $38.57 million, compared with 2,505 loans totaling $35.96 million in 2024, reflecting continued member demand supported by prudent credit evaluation and sound underwriting practices.

As part of its governance responsibilities, the Committee also enhanced its monitoring of portfolio concentration areas, including participation loans and mortgage activity. This additional oversight supports early identification of emerging trends and reinforces the Credit Union’s commitment to responsible, risk-adjusted lending. The Credit Committee remains committed to supporting the financial well-being of our members while preserving the long-term safety and soundness of the Credit Union.

Credit Committee

OAS Federal Credit Union