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USE Credit Union was established in 1936 as California State Credit Union #17, with the primary goal of helping employees of the San Diego branch of the Division of Highways. In the 1970's, the Credit Union became known as University & State Employees Credit Union, reflecting USE's expanded legacy of serving the financial needs of university and state employees. And in 1999, when its charter was expanded again to include members of the community at large, the credit union began using the shortened "USE" acronym in most of its business dealings.

Yakima Federal Savings and Loan Association completed another very successful year. We finished the year 2009 with no Real Estate owned and did not post any additions to loan loss reserves or write down any assets during the year. We originated more loans during 2009 than in 2008. Total assets grew by nearly ten percent during 2009 and we recorded strong profits. We are now the tenth largest FDIC insured financial institution in Washington State.

FHL Bank Topeka, a privately owned, federally chartered corporation, promotes housing and home ownership by providing wholesale products and services that help member financial institutions expand the availability of mortgage credit, compete more effectively in their markets and foster strong and vibrant communities. With approximately $38 billion in assets and $1.8 billion in capital, FHLBank serves 837 banks, thrifts, credit unions and insurance companies throughout Colorado, Kansas, Nebraska and Oklahoma. FHL Bank employs approximately 200 people and is located in Topeka, Kan. FHLBank Topeka promotes housing and community development in the public interest by serving as an economical source of credit and by providing the services and rate of return necessary to attract and retain borrowing stockholders.

Pennsylvania State Employees Credit Union (PSECU) holds the key to state employee savings in the Keystone State. The largest credit union in Pennsylvania, it provides deposit products, loans, and credit cards to approximately 350,000 members. As its name implies, the credit union serves state workers, teachers, and students. PSECU's offerings include checking and savings accounts, mortgages, auto and personal loans, and IRAs.

Suncoast Schools Federal Credit Union was chartered January 31,1934 as Hillsborough County Teachers Credit Union based on assets. It serves public and private school employees, municipal workers, students, and those working for a select group of more than 1,000 employers (and their families) in about 15 western Florida counties. The credit union offers standard services such as checking and savings accounts, residential mortgages, credit cards, and consumer loans, in addition to insurance, investment, trust, and real estate services. Founded in 1934 as Hillsborough County Teachers Credit Union, the not-for-profit, member-owned cooperative has about 50 locations and some 500,000 members.

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