Dear Members:

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.

Against this backdrop, our primary focus remained on strengthening the Credit Union and safeguarding its long-term stability. Through disciplined financial management, we closed the year with positive financial results, reinforcing the institution’s foundation. This outcome reflects the careful stewardship of our resources, close monitoring of our portfolio, and prudent decision-making. Beyond the financial results themselves, it demonstrates our ability to adapt responsibly while maintaining a strong and stable position on behalf of our members.

Throughout 2025, we also continued investing in the operational strength of the Credit Union. Although most of these efforts happened out of sight, they played a crucial role in enhancing your experience and making our services more accessible for members. We focused on enhancing internal processes and implementing new tools—including our digital branch, redesigned website, and virtual assistant, Clara—which have strengthened how we connect with members by providing more responsive, accessible, and personalized support. These operational enhancements are ultimately about strengthening the connection between you and your Credit Union.

Looking ahead to 2026 and beyond, our approach remains deliberate and measured. We continue to focus on sustainable growth and creating long-term member value. Financially, this means further strengthening the Credit Union through disciplined management and consistent performance. Operationally, we will continue investing in the systems and infrastructure that support reliable and accessible services, including ongoing improvements to our website and to how members move money to and from their accounts. Strategically, as we pursue our goals for the coming year, we will do so thoughtfully, prioritizing sound governance, prudent risk management, and measured growth. Our objective is to remain strong, responsive, and well positioned to serve our members through changing conditions, while preserving the cooperative values and tradition of personalized service that define who we are.

None of this progress would be possible without the people who make OAS FCU what it is. I wish to formally acknowledge the dedication and professionalism of our staff, whose unwavering commitment to our members continues to advance our mission. I am also grateful to our volunteers and Board members for their stewardship, guidance, and ongoing dedication to the Credit Union. Most of all, thank you, members, for your trust and support. Serving you is both our responsibility and our privilege, and we remain committed to doing so with integrity, care, and a long-term perspective.

Warm regards,

Carlos R. Calderon
President and CEO