SF Fire Credit Union

As the Chief Financial Officer for SF Fire Credit Union, it’s my pleasure to provide this financial summary and highlights for the past year. While just an overview, it does tell of a 2008 which saw growth and success despite the severity of a changing and challenging overall economy.

2009 will likely be a tough economic year. Rest assured that SF Fire Credit Union will continue to operate in a fashion which places the utmost importance on safety, security and soundness.

We appreciate your ongoing loyalty and support, and look forward to providing your families with outstanding service and exceptional value.

Richard M. Smith Senior Vice President, Finance