may 22, 2014 - coca cola credit union · welcome ivor longo • call to order • chairman’s...
TRANSCRIPT
![Page 1: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/1.jpg)
May 22, 2014
![Page 2: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/2.jpg)
Chairman’s Introduction
• Welcome
• Call to Order
![Page 3: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/3.jpg)
Agenda
Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board
Approval of Annual Meeting Minutes Margaret Sherrod Supervisory Committee Report Karen Brey Chairman’s Report Ivor Longo President’s Report Annlouise Peroutka Nominating Committee Report Mike Gregorio Other Business Ivor Longo Q & A Ivor Longo Closing Remarks/Adjourn Meeting Ivor Longo Prize Drawing
![Page 4: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/4.jpg)
Board of Directors
Ivor Longo Chairman Karen Brey Vice Chairman Maggie Shane Chief Financial Officer Margaret Sherrod Chief Recording Officer Annlouise Peroutka President Anita DeMyers Benjamin Bard Cameron Tyer Katherine Fithen Mike Gregorio Michael LaKier Nick Nichols Peter Pearson
![Page 5: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/5.jpg)
Ivor Longo - Board Chairman
![Page 6: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/6.jpg)
Karen Brey – Vice Chairman
![Page 7: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/7.jpg)
Maggie Shane – Chief Financial Officer
![Page 8: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/8.jpg)
Margaret Sherrod - Chief Recording Officer
![Page 9: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/9.jpg)
Annlouise Peroutka – President
![Page 10: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/10.jpg)
Anita DeMyers – Board Member
![Page 11: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/11.jpg)
Benjamin Bard – Board Member
![Page 12: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/12.jpg)
Cameron Tyer – Board Member
![Page 13: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/13.jpg)
Katherine Fithen – Board Member
![Page 14: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/14.jpg)
Michael LaKier – Board Member
![Page 15: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/15.jpg)
Mike Gregorio – Board Member
![Page 16: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/16.jpg)
Nick Nichols – Board Member
![Page 17: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/17.jpg)
Peter Pearson – Board Member
![Page 18: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/18.jpg)
Approval of Annual Meeting Minutes
Chief Recording Officer, Margaret Sherrod
Annual Meeting Minutes
![Page 19: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/19.jpg)
Annual Meeting Minutes
![Page 20: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/20.jpg)
Supervisory Committee Chairman
Karen Brey
Supervisory Committee Report
![Page 21: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/21.jpg)
Board Chairman
Ivor Longo
Chairman’s Report
![Page 22: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/22.jpg)
Chairman’s Message
![Page 23: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/23.jpg)
President’s Report Statement of Condition
2013
2013/2012
Growth 2012
2012/2011
Growth 2011
Total Loans 99.6$ -1.1% 100.7$ 7.2% 93.9$
Total Investments 63.0$ 11.9% 56.3$ -15.0% 66.2$
Total Assets 163.1$ 3.6% 157.5$ -1.3% 159.6$
Total Shares 146.4$ 3.3% 141.7$ -1.3% 143.5$
Total Equity 14.5$ 7.4% 13.5$ 4.7% 12.9$
Net Worth Ratio 8.9% 2.9% 8.6% 6.6% 8.1%
Loan to Share Ratio 68.3% -3.9% 71.1% 8.5% 65.5%
Total Number of Members 14,146 6.1% 13,335 2.8% 12,973
![Page 24: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/24.jpg)
Financial Ratios
EARNINGS RATIOS 2013 2012 2011
Yield on average Loans 4.7% 5.2% 5.4%
Yield on Investments 0.7% 0.8% 0.9%
Yield on Assets 4.2% 4.5% 4.5%
Cost of Funds 0.1% 0.1% 0.2%
Net Interest Margin 3.1% 3.4% 3.3%
Operating Expense Ratio 3.5% 3.6% 3.5%
Return on Average Assets 0.6% 0.4% 0.4%
![Page 25: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/25.jpg)
Financial Results
2013/2012 2012/2011
EARNINGS (in thousands) 2013 Growth 2012 Growth 2011
Operating Income 6,730.7$ -5.6% 7,126.8$ 0.0% 7,128.4$
Provision for Loan Losses 173.5 -61.9% 454.9 -36.0% 710.9
Operating Expenses 5,440.1 -3.9% 5,658.8 17.2% 4,830.3
Dividend Expense 169.9 -8.4% 185.4 -32.6% 275.3
Net Income from Operations 947.2 14.4% 827.7 -36.9% 1,312.0
Non-Operating Gains/(Losses) 107.6 -265.8% (64.9) -769.1% 9.7
Net Income before NCUA Assessment 1,054.8 38.3% 762.8 20.6% 632.7
NCUA Assessment 118.3 -28.9% 133.5 -61.2% 344.1
Contribution to Capital 936.5$ 48.8% 629.3$ -0.5% 632.7$
![Page 26: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/26.jpg)
Nominating Committee Report
Nominating Committee Chair
Election of Board of Directors
![Page 27: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/27.jpg)
Other Business
Old Business
New Business
![Page 28: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/28.jpg)
Questions and Answers
![Page 29: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/29.jpg)
Annual Meeting Presentation
![Page 30: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/30.jpg)
Chairman’s Closing Comments
Closing Remarks
![Page 31: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/31.jpg)
Eligibility
• Member in Good Standing
• Must attend meeting in person or via WebEx
• Board, volunteers and staff are not eligible
Money will be transferred into winners’ account today
3rd Prize $ 50
2nd Prize $100
1st Prize $150
Prizes
![Page 32: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/32.jpg)
Thank You & Have a Great Day
![Page 33: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/33.jpg)
Statement of Income Statement of Income for the years ended December 31, 2013 &2012
2013 2012 Change %
Income
Interest Income $ 5,136,571 $ 5,557,515 $ (420,944) (7.6)%
Other Income 1,594,216 1,569,299 24,917 1.6 %
Total Income 6,730,787 7,126,813 (396,027) (5.6)%
Expenses
Salaries & Benefits 3,080,402 3,070,831 9,571 0.3 %
Office Operations 2,408,009 2,519,797 (111,788) (4.4)%
Provision for Loan Losses 173,526 454,934 (281,408) (61.9)%
Other 55,764 187,849 (132,085) (70.3)%
Total Operating Expenses 5,717,701 6,233,411 (515,710) (8.3)%
Income Before Dividends & Interest 1,013,086 893,402 119,683 13.4 %
Dividends & Interest Expense 184,091 199,243 (15,152) (7.6)%
Net Income from Operations 828,995 694,159 134,835 19.4 %
Non-operating Gains/(Losses) 107,641 (64,893) 172,534 (265.9)%
Contribution to Capital Reserves $ 936,636 $ 629,265 $ 307,369 (48.8)%
![Page 34: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/34.jpg)
Statements of Financial Condition Statement of Financial Condition for years ending December 31, 2013 &2012
2013 2012 Change %
Assets Cash and Cash Equivalents $ 17,145,899 $ 3,941,746 $ 13,204,153 335.0 %
Loans to Members 99,575,550 100,469,091 (893,541) (0.9)%
Less: Allowance for Loan Losses (1,291,701) (1,377,065) 85,364 (6.2)%
Net Loans 98,283,849 99,092,026 (808,177) (0.8)%
Government Securities and Certificates of Deposit 45,514,240 51,480,213 (5,965,973) (11.6)%
Other Investments 141,596 144,429 (2,833) (2.0)%
Less: Allowance for Investment Losses - - - - Total Investments 45,655,836 51,624,642 (5,968,806) (11.6)%
Other Assets 2,048,370 2,801,579 (753,209) (26.9)%
Total Assets $ 163,133,954 $ 157,459,993 $ 5,673,961 3.6 %
Liabilities & Equity
Liabilities Share Accounts and Certificates $ 80,742,383 $ 77,170,790 $ 3,571,593 4.6 %
Checking Accounts 34,732,926 31,730,629 3,002,297 9.5 %
Money Market Accounts 27,586,716 29,470,634 (1,883,918) (6.4)%
IRA Accounts 3,327,737 3,361,162 (33,425) (1.0)%
Total Shares 146,389,762 141,733,215 4,656,547 3.3 %
Accounts Payable and Other Liabilities 2,285,424 2,145,215 140,209 6.5 %
Total Liabilities 148,675,186 143,878,430 4,796,756 3.3 %
Equity
Regular Reserves 2,074,762 2,074,762 - 0.0 %
Undivided Earnings 12,367,988 11,431,353 936,635 8.2 %
Unrealized Gains (Losses) on Available for Sale Securities 16,017 75,448 (59,431) (78.8)%
Total Equity 14,458,767 13,581,563 877,204 6.5 %
Total Liabilities & Equity $ 163,133,954 $ 157,459,993 $ 5,673,961 3.6 %
![Page 35: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/35.jpg)
Assets vs Capital
$150.9
$159.3 $159.6
$157.5 $163.1
$11.5 $12.2 $12.9 $13.5 $14.4
$-
$20.0
$40.0
$60.0
$80.0
$100.0
$120.0
$140.0
$160.0
$180.0
2009 2010 2011 2012 2013
(in
Mil
lio
ns)
Year
Assets Capital
![Page 36: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/36.jpg)
Share Growth
$-
$20.0
$40.0
$60.0
$80.0
$100.0
$120.0
$140.0
$160.0
2009 2010 2011 2012 2013
$58.6
$76.0 $76.1 $76.9 $80.6
$23.7
$28.9 $31.3 $31.7 $34.7 $31.9
$34.9 $32.1 $29.5 $27.6
$18.6
$1.7 $0.6 $0.2 $0.1
$4.4
$3.9 $3.4 $3.4
$3.3
Year
Savings Checking Money Market Share Certificates IRA's
$146.$137.2
$145.4 $143.5 $141.7 S
ha
res
(in
Mil
lio
ns)
![Page 37: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/37.jpg)
Loan Growth
$-
$20.0
$40.0
$60.0
$80.0
$100.0
$120.0
2009 2010 2011 2012 2013
$29.5 $24.6 $24.3
$29.5 $30.7
$51.3 $52.2
$59.0
$60.4 $59.2
$7.6 $7.7
$7.5
$7.3 $7.2 $5.1
$4.2
$2.8
$3.3 $2.5
Lo
an
s (i
n M
illi
on
s)
Year
Auto Loans Real Estate Credit Cards Other
$100.$93.5 $89.4 $93.6 $99.6
![Page 38: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/38.jpg)
Allowance for Loan Loss
Secured $137.0 11% Unsecured
$46.0 4%
Credit Cards $264.0 20% Real Estate
$845.0 65%
2013 Allowance for Loan Losses Breakdown (in thousands)
Total 2013 ALLL = $1,292.0
![Page 39: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/39.jpg)
Executive Management Team
Annlouise Peroutka CEO/President
Diane Edelstein Vice President of Finance
Anna Foote Vice President of Operations
Lisa Lowe Vice President of Lending
Dawn White Vice President of Marketing
![Page 40: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/40.jpg)
Management Team
![Page 41: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/41.jpg)
Finance Team
![Page 42: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/42.jpg)
Lending Team
![Page 43: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/43.jpg)
Marketing Team
![Page 44: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/44.jpg)
Operations Team
![Page 45: May 22, 2014 - Coca Cola Credit Union · Welcome Ivor Longo • Call to Order • Chairman’s Comments • Introduction of Board ... President’s Report Annlouise Peroutka Nominating](https://reader034.vdocument.in/reader034/viewer/2022042022/5e79ffe15a83a94c476f9f55/html5/thumbnails/45.jpg)
Credit Union Team