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Annual Report

Board of Directors
Board Member Term Expiration
Ms. Reba Allison 2020
Mr. Eddie Cannon 2021
Mr. Joel Hale 2020
Mrs. Wilma Jamerson 2021
Mr. James Johnson 2020
Dr. Rutledge McClaran 2022
Mr. Bobby Moore 2022
Mrs. Maylene Neal 2022
Dr. Marty Warren 2021


Senior Management
Mr. William Byron Norton President / CEO
Mr. John Griffin Senior VP / Lending Operations Manager
Mr. Scot Haines Senior VP / Operations Manager
Ms. Deborah Pearce Senior VP / Accounting Department Manager
Mrs. Kerri Dalme VP / Branch Operations
Mrs. Kelly Evans VP / Account Resolution Manager
Mr. Greg Jeffery VP / Branch Manager - Kilgore Office
Mr. Flip Kraus VP / Real Estate Manager
Mr. Doug Martin VP / Indirect Lending Department Manager
Mrs. Kristal Martin VP / Product Development and Electronic Services
Mr. Kevin Wasson VP / Information and Technology
Credit Union Services
Board of Directors' Report

It gives me great pleasure to welcome you to the 66th Annual Meeting of East Texas Professional Credit Union. I am proud of and humbled by the level of trust you have placed in me and my fellow board members.

In fact, I'd like to take this opportunity to thank my fellow board members for their dedicated service, commitment and passion, because they have contributed greatly to the success of East Texas Professional Credit Union.

As you see in the Annual Report, East Texas Professional Credit Union performed well in year 2018.

  • The members and owners of this institution have borrowed more than $226.7 million in loans, adding more than 15,000 new loans.
  • I'm delighted that so many of you are turning to your credit union for your mortgage needs. In 2018, East Texas Professional Credit Union granted 356 home loans worth more than $45.4 million.
  • Favorable interest rates and a strengthening economy motivated many of you to buy vehicles in 2018. East Texas Professional Credit Union granted more than 6,000 vehicle loans worth more than $137.6 million.
  • The median delinquency ratio in East Texas Professional Credit Union is now .47 percent, which tells me you're staying on top of your debt obligations, and that's a sure sign of a recovering economy.

Your ongoing participation in East Texas Professional Credit Union means we will remain in a strong financial position to continue meeting your financial needs.

I think you all recognize that as not-for-profit cooperatives, credit unions are different than banks. Though we have to make a profit to keep the doors open, we don't have shareholders waiting with their hands out - there are no shareholders, we have member owners.

By exercising sound business and service strategies, we can help you  navigate your life-cycle challenges, weather uncertain economic periods, and recognize the true benefits of your membership. We hope and plan for a bright future for us all, and in reaching for the stars, we want to look at new and better ways of defining and redefining our success as we grow and learn and change.

For instance...

  • We want to offer more and better resources that allow us to focus more attention on our members using the most efficient and safe use of technology available;
  • We want to grow our community impact through basic interest payouts, financial capability programs, payment deferral during community emergencies, and working with members facing the challenges of the life phase they might be in;
  • We want to target particular segments of our community where we can make the greatest impact - for example, helping with financial literacy and account management for our members who are most vulnerable, such as pre-high school children, young adults, retirees and our elderly;
  • As members focus more on use and less on ownership, we will consider how our credit union can responsibly finance life activities, such as education, small businesses and transportation; and
  • We want to be a knowledge hub that places the credit union at the center of our members' financial lives by allowing them to trade peer advice and insights about budgeting, buying, retiring and saving.

My friends, with the continued success of East Texas Professional Credit Union, we can offer a wealth of savings tools and other financial products and services that enhance your life, improve our delivery channels, and expand our outreach in the community and beyond.

In closing, let me express my confidence in the leadership of Byron Norton, the guidance of our esteemed Board of Directors, the commitment of a dedicated staff, and the support and loyalty of more than 70,000 members. And let me also assure you that East Texas Professional Credit Union is well positioned to face any challenge and seize any opportunity that presents itself in 2019.

Thank you ladies and gentlemen, and all the best for the coming year!

President's Report

Good afternoon and welcome. On behalf of the management and staff of East Texas Professional Credit Union, let me say how happy I am to be here on this our 66th Annual Meeting since our credit union was chartered in 1953. As it was then and remains to this day, our unique business model empowers every single member to have a voice, and that's "one member, one vote." 

I'd like to express my earnest thanks to each and every member. When you participate in your credit union, you are contributing to its growth, and that's why this credit union continues to thrive year after year. In return, because of our cooperative structure, we're able to return our profits back to you, the owners and members, by offering competitive rates, new products, enhanced services, and additional points of service.

As a locally owned and governed financial institution, East Texas Professional Credit Union has a strong connection to the community, and we are well positioned to support East Texas' growing demand for a financial institution that cares about its community's financial future.

Now, it is my privilege to provide a "State of Our Credit Union" address at this 2019 Annual Meeting.

As our membership grows, so do our assets, which is the barometer of how well our members are receiving the products and services this credit union has to offer. As of 12/31/18, our assets were more than $615 million. Membership at East Texas Professional Credit Union increased four percent in 2018 and stood at 70,830 members at year end.

As loan demand has increased 11.2 percent from 2017 to 2018, delinquencies remain low at .47 percent. This tells me that you value the competitive rates we are able to offer and that you have a strong commitment to honoring your financial obligations with your credit union.

Just as you are committed to East Texas Professional Credit Union, we are committed to you. The following are a few of the highlights from 2018 that demonstrate our dedication to providing products and services that benefit you and your families.

  • Continued enhancement of the infrastructure of our data processing center to support growth
  • Launched the MobiMoney app to offer enhanced debit card controls
  • Deployed an electronic cash management payment system to allow loan payments to be accepted over the phone and through our website
  • Offered cyber security education for members through our website

I'm thrilled to point out that East Texas Professional Credit Union is a well-capitalized financial institution with a strong net worth ratio of 20.66 percent. To put that in perspective, a net worth position above seven percent is considered well capitalized by our regulators.

Our 2018 results illustrate that East Texas Professional Credit Union is a strong, sustainable, and efficient financial institution, but we are also an integral part of the community. That's important to us, and that makes us significantly different from other financial institutions. Our commitment to and presence in the community can be seen in some of the activities we took part in during 2018. To name a few in 2018, we:

  • Awarded 15 educational scholarships totaling $20,000
  • Delivered more than 30,000 academic planner calendars to more than 100 area schools and daycares
  • Hosted two shred days for members to bring in documents containing sensitive information for safe disposal - and at no charge
  • Contributed to more than 150 philanthropic organizations and community affairs
  • Participated in and/or supported more than 50 area events
  • Provided Christmas gifts for 33 East Texas children in need
  • Raised money for the Muscular Dystrophy Association to help send disabled children to summer camp
  • Hosted a flu shot clinic as a service to our members
  • Conducted 63 "Project Fit" Financial Independence Training courses (in branch and partnerships with local high schools)

Our very talented team of professionals report to work every day with one objective: to help our members meet their financial goals. Our accomplishments would not have been possible without their steadfast commitment and unified efforts. Their passion inspires me, and I thank them for their loyalty and commitment to providing great service.

We also have a highly capable volunteer Board of Directors that shares an enormous amount of time, knowledge and expertise in guiding this organization. There's no doubt about their desire to ensure they remain a highly skilled and educated governing body. In 2018, our board of directors completed a total of 320 training hours.

As we grow, we will keep our focus on doing what's right. Locally, we will continue to provide better services and more convenience for our members. We will seek to help more people in our community get on solid ground through financial education and our charitable activities.

Through it all, we will continue to focus on people first. It's what makes your credit union different, and what makes us strong.

As we embark on the year ahead, my commitment to you today is that East Texas Professional Credit Union will continue to:

  • Grow responsibly, while listening and responding to your needs;
  • Explore innovative product/service solutions to enhance your financial life; and
  • Develop our staff and board so they can confidently and wisely serve you

Many thanks for being an integral part of our credit union family. On behalf of the entire staff, we look forward to a happy and successful 2019.



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Statement of Financial Condition