2022 Annual Report

Promote Florida Credit Union as a leader in serving our communities and a commitment to social responsibility. Community Service Integrity Will adhere to the highest ethical standards and values. Financial Stability To safeguard our members, we will continue to be a well-capitalized financial institution. Excellence Provide progressive, quality programs and services that will benefit our members while promoting growth. Cooperative Philosophy Improve the economic well-being of our members and communities. Caring Service Through local, friendly, person-to-person services and new technologies. Core Values Vision Florida Credit Union members’ lives made better. Mission Florida Credit Union will serve our members and communities with efficient, convenient services and quality products that meet their everyday and long-term financial needs. “ Florida Credit Union has been in this community for over 68 years Thegoal of a bank is tomaximize theprofit of its stockholders and investors. Members own FCU, not stockholders. Profits earned are retained as capital to meet regulatory requirements and for expansion of the credit union and its service offerings. Our goal is to maximize the service/value relationship with members while building and maintaining the strength of Florida Credit Union to ensure it is here to serve future generations. Being a member of Florida Credit Union gives you access to a wide range of financial products and services, and while that may be the reason you decided to join, the real FCU difference is in the very nature of our organization. As a financial services cooperative, defined as “involving mutual assistance in working toward a common goal”, we are owned by our members, making you part owner of one of the fastest growing financial institutions in the state. While many things may change in an industry like ours, it’s good to know our commitment to you is unwavering. Florida Credit Union has been in this community for over 68 years and while the other institutions may come and go, your credit union can’t be bought or sold. The Credit Union Difference 2022 Annual Report | 2 2022 Annual Report | 3