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Annual ReportLight Commerce Credit Union has proudly served our members for overtwo decades, and 2025 marks our 21st year of service%u2014a milestone thatreminds us just how far we%u2019ve come together. We%u2019re calling it our %u201cYear ofPurpose%u201d because every step we take this year is intentional%u2014 focused onenhancing the financial lives of our members and deepening our impact inthe communities we serve.As your goals evolve, so do we. Light Commerce Credit Union remainscommitted to adapting alongside you, guided by the core principle of%u201cPeople Helping People.%u201d Whether you%u2019re saving for a dream, managingeveryday needs, or building toward a stronger future, we%u2019re here withsolutions that meet you where you are.Your trust matters. That%u2019s why we continue to operate with strength,stability, and transparency. Your money is safe with us. Our foundationremains solid, and we are well-positioned to support you through reliablefinancial products, personalized lending options, educational resources,and the convenience of shared branching.LCCU 24 02REPORT OF THE CHAIRMAN AND PRESIDENT