2025 Annual Report

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Board of Directors

Message to our Membership

First U.S. Community Credit Union will celebrate 90 years since we were chartered in 1936 as Sacramento U.S. Employees Federal Credit Union, with our field of membership to serve federal government employees. What started with seven employees of the U.S. Army Corps of Engineers has grown into a trusted financial partner for nearly 28,000 members across 12 counties in Northern California. Through nine decades of change, we have continued to be shaped by our original belief in the credit union philosophy of people helping people.

For many, the past year was marked by uncertainty and disruption. During challenging moments, like the six-week government shutdown, we stood alongside our members, offering furlough loans and practical support to help provide stability and peace of mind.

As our membership and communities evolve, so must the way we serve. In 2025, we introduced four core values to guide our team and strengthen our culture: Be Bold, Build Community, Cultivate Curiosity, and Lead with Care. These values reflect how we show up each day to make thoughtful decisions, embrace innovation, and provide service with empathy so we can deliver a consistently exceptional member experience.

That commitment was affirmed when First U.S. was named Silver – Credit Union in The Sacramento Bee’s Sacramento Favorites. This recognition means so much because it comes directly from our members and our community.

We also continued to invest in access and convenience. This past year, we launched a new digital lending and accounts platform, allowing new and existing members to apply online and receive approvals in minutes. We relocated our Grass Valley branch to a more modern, spacious location designed with member needs in mind, and we are already planning additional office improvements in 2026 to further enhance how and where we serve you.

First U.S. ended the year on solid financial footing, with $549 million in total assets, $351 million in loans, and $484 million in deposits. We earned $2.7 million in net income. Our financial position allows us to invest in technology, people, and the communities we serve, ensuring our future is built on stability and trust.

Throughout 2026, you’ll begin to see First U.S. showing up in fresh, more connected ways online, in our branches, and throughout our communities. Same heart. Same purpose. Just with an even better experience designed around you.

Thank you for being part of our legacy past, present, and future. We look forward to another year of growing together!

Dennis Cook
Chair of the Board

Shonna Shearson
President & CEO