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T h e L e a g u e a n d Y o u .

Earlier this year when CUNA unveiled its “Unite for Good” campaign, it gave credit unions a plan for one national vision; something the industry has been lacking. For the LSCU & Affi liates,

it captured our philosophy in how we work

with all of you. We view everything we do

as a partnership with our member credit

unions, one voice for Alabama and Florida.

Unite for Good is the thread that sews the

fabric of who we are as a movement and

where we want to be in a decade.

When we look back on the year, we see

many examples of accomplishments that

would not have been possible without you .

The League provided a 10-percent dues

rebate at the end of the fi rst quarter. This

was the fi rst time it was ever offered in

Alabama or Florida. It was made possible

because of our effi cient operations and

increased affi liation, but also because

so many of you are using LEVERAGE

solutions and/or one offered by our

business partners. This best illustrates the

direct correlation between the success of

LEVERAGE and what we can do for credit

unions on the association side of the

organization.

Midyear we switched gears to focus

heavily on the Don’t Tax My Credit Union

initiative. This also illustrates how we have

evolved to better meet new challenges

quickly on behalf of our member credit

unions. Together, Alabama and Florida credit

unions have made more than 100,000

grassroots contacts to our congressional

delegations. Our unifi ed voice on this topic

is being heard loud and clear on Capitol Hill.

The League also didn’t limit this initiative

to affi liates. We work hard throughout the

year to reach out to non-affi liates and show

them how working together through the

CUNA/League system makes us all stronger.

The long-term success and sustainability

of LSCU & Affi liates comes from a strategic

partnership that involves all of us. As you

read through our Unite for Good: The LSCU &

Affi liates and You brochure, you will see that

your league and its affi liate organizations

are strong and growing. We couldn’t do it

without you. I look forward to your continued

affi liation and active participation in 2014

and beyond.

Sincerely,

Patrick La Pine, President/CEO

99% of credit unions feel the LSCU

understands their needs. This is a fi ve-percent increase from 2012.

Source: LSCU & Affi liates 2013 Members Survey.

Introduced new advocacy brands for each state. Understanding that all

politics is local, ACUA and FCUA brands will give credit unions a more recognizable identity in Montgomery and Tallahassee.

“The League of Southeastern

Credit Unions has been an

invaluable asset to our credit

union. We are celebrating our

50th year and I truly believe

we have been able to continue

in business for these many

years because of the support

of the LSCU. They are always

ready and willing to assist with

whatever our needs are. Being

from a small credit union with

only two full-time employees,

I consider them as

additional staff.”

—Michele Days, Manager, Sixth Avenue Baptist Federal Credit Union


understands their needs. This is a fi ve-percent increase from 2012.


97% of credit unions say their

satisfaction with the League has improved or stayed the same. This is a fi ve-percent

increase in two years. Source: LSCU & Affi liates 2013 Members Survey.

Introduced new advocacy brands for each state. Understanding that all

politics is local, ACUA and FCUA brands will give credit unions a more recognizable identity in Montgomery and Tallahassee.

$310,000Dues rebate returned to member credit unions. This was the fi rst ever in Alabama and Florida.

Listerhill CU CEO Brad Green talks with CUNA CEO Bill Cheney during Cheney’s tour of Alabama and the Florida panhandle.

Don’t Tax My Credit Union

Amount raised to fight for the credit union tax exemption through the Cooperative Issues Campaign.

Contacts with lawmakers from credit union staff, directors, and members in Alabama and Florida asking them to

Don’t Tax My Credit Union.

117,664


does an effective job advocating credit union issues to federal

lawmakers. This is a two-percent increase from 2012.

Source: LSCU & Affiliates 2013 Members Survey.

85,000Postcards delivered to federal

lawmakers in Washington, D.C. and in-district offices.

Over fifty credit union advocates traveled to Washington, D.C. in

September to bring the Don’t Tax My Credit Union

message to federal lawmakers.

“Suncoast believes that the ‘Don’t Tax’ issue is signifi cant, and

we needed the full force of the League’s advocacy team to

make a dent in the discussion. We are more than pleased that

they stepped in to make us all more organized in the effort.

Their monthly plan was exactly what credit unions needed.”

—Gary Vien, SVP, Suncoast Schools FCU

Amount raised to fi ght for the credit union tax exemption through the Cooperative Issues Campaign.

Contacts with lawmakers from credit union staff, directors, and members in Alabama and Florida asking them to

Don’t Tax My Credit Union.

117,664

85,000Postcards delivered to federal

lawmakers in Washington, D.C. and in-district offi ces.

LSCU & Affi liates have been a social media leader during the Don’t

Tax My Credit Union initiative.

LegislativeAdvocacy

99% of credit unions feel that

LSCU grassroots activities are important. This is a four-percent increase from 2012. Source: LSCU & Affiliates 2013 Members Survey.

Visits were made with House and Senate lawmakers

in Washington, D.C. and in-district. Many of those meetings included credit union advocates from Alabama and Florida.

The League, working with chapters and individual

credit unions, expanded legislative events in

Alabama and Florida by hosting roundtables,

legislative nights, credit union visits, etc.

League helped pass legislation in Florida to help expedite the foreclosure process

to ease the burden on credit unions.

Increased awareness of advocacy efforts through the hiring of PR Firm in Tallahassee. Received significant increase in earned media through

those efforts.

Held 3rd annual State Governmental Affairs Conferences.

The State GACs help credit unions

advocate a proactive legislative agenda

in Montgomery and Tallahassee,

while also building relationships with state lawmakers.

Florida Chief Financial Officer Jeff Atwater spoke at the Florida State GAC.

Azalea City Credit Union CEO Ola Anise (right) speaks with Rep. David Sessions (R-Mobile) during the Alabama State GAC.

Alabama State Sen. Bill Holtzclaw (R) (left) speaks with Rocket City FCU Director Larry Smith.

of credit unions feel the LSCU keeps them well informed of legislative and

regulatory issues of importance. This is a two-percent increase from 2012.


99% of credit unions feel that

LSCU grassroots activities are important. This is a four-percent increase from 2012. Source: LSCU & Affiliates 2013 Members Survey.

The League, working with chapters and individual

credit unions, expanded legislative events in

Alabama and Florida by hosting roundtables,

legislative nights, credit union visits, etc.

League helped pass legislation in Florida to help expedite the foreclosure process

to ease the burden on credit unions.

Increased awareness of advocacy efforts through the hiring of PR Firm in Tallahassee. Received significant increase in earned media through

those efforts.

“We count on LSCU for what I believe is the most valuable service they provide —

legislative advocacy and lobbying for credit unions. In today’s world of seemingly out of control

regulations and legislation, I cannot imagine how credit unions would survive without it!”

—Linda Cencula, president/CEO, Alabama Telco CU

99%

Azalea City Credit Union CEO Ola Anise (right) speaks with Rep. David Sessions (R-Mobile) during the Alabama State GAC.

Alabama Lt. Governor Kay Ivey speaks with Family Security CU Supervisory Committee Chairman Kenneth Livingston during the Leadership Development Conference.

Sen. Bill Nelson (D-FL) meets with credit unions during the CUNA GAC.

Rep. Steve Southerland (R-FL) speaks during the Tallahassee Chapter legislative night.

Regulatory Advocacyand Compliance Training Support

Facilitated state and federal examiner

meetings at State GACs, Annual Convention &

Exposition and Leadership Development Conference.

As part of the value of affiliation, distributed quarterly Custom

Performance Reports that show how credit unions

are performing in their peer asset size group.

“The League’s educational opportunities and compliance tools are

a tremendous benefit to our credit union. PolicyPro and the Custom

Performance Report have been particularly useful to us.” —Jo Alvis, assistant manager, COO, ACIPCO Federal Credit Union

20 Number of free compliance

trainings held across Alabama and Florida.

20,000Volume of League InfoSight

uses by Alabama and Florida credit unions. A free

compliance and model policy resource provided by

the League.

99%of credit unions feel

that Regulatory Affairs

is helpful in answering

my compliance and/or

operational question.

This is a three-percent

increase from 2012.


Held credit union meeting

with CFPB and NCUA board

members during the past

two Hike the Hill meetings

in Washington, D.C.

Facilitated state and federal examiner

meetings at State GACs, Annual Convention &

Exposition and Leadership Development Conference.

The League continues to fi nd opportunities to bring regulators

together with credit unions to discuss issues and build relationships on the

state and federal level.

League InfoSight and PolicyPro are free solutions provided to credit unions through value of

affi liation with LSCU & Affi liates.

LSCU & Affi liates President/CEO Patrick La Pine introduces NCUA Board Member Mike Fryzel during NCUA meeting at Hike the Hill.

CFPB Director Richard Cordray speaks with Alabama and Florida credit unions in Washington, D.C.

93%

Education and Training

of credit unions feel the LSCU provides them the education and training that satisfi es their needs. This is a fi ve-percent increase from 2012.


1,000Average number of attendees to the LSCU & Affi liates Annual

Convention and Exposition (AC&E) in Orlando. The AC&E is one of the largest credit union

conferences in the country.

708Number of participants in the

more than 100 webinar offerings from the LSCU & Affi liates.

The SAS Credit Union initiatives money has

been instrumental in the development and training

of my staff and myself. As a small asset credit union, we have very limited resources, yet with the assistance of

scholarship funds, we have been able to send staff to trainings and seminars to educate them and, in turn, better serve our members.”

—Tim Cannon, CEO, 1st CU of Gainesville

93%of credit unions feel the LSCU provides them the education and training that satisfies their needs. This is a five-percent increase from 2012.


1,000Average number of attendees to the LSCU & Affiliates Annual

Convention and Exposition (AC&E) in Orlando. The AC&E is one of the largest credit union

conferences in the country.

Number of credit union executives, CEOs, and directors that have been trained by the LSCU & Affiliates in 2013.

LSCU & Affiliates and CUES held the 2nd annual Credit Union Executive Dialogue

bringing together large asset sized credit unions to discuss

the long-term success of the industry.

Introduced a mobile app for signature education events to enhance the experience for attendees.

The SAS Credit Union initiatives money has

been instrumental in the development and training

of my staff and myself. As a small asset credit union, we have very limited resources, yet with the assistance of

scholarship funds, we have been able to send staff to trainings and seminars to educate them and, in turn, better serve our members.”

—Tim Cannon, CEO, 1st CU of Gainesville

The LSCU & Affiliates became an approved provider of Continuing Professional Education

(CPE) credits by the National Association of State Boards of Accountancy (NASBA) in March of 2013. Affiliated credit union staff and officials

have the opportunity to earn up to 141 CPE credits across various fields of study.

Cooperative InitiativesCooperative Initiatives

248Number of credit union

participants in 22 planning sessions performed by the

LSCU staff.

1,067Touch points with credit union directors and staff through training,

chapter programs, conferences, and workshops.

$45,176

Amount small asset size credit unions have used through the

LSCU SAS Initiatives account for a League or CUNA event,

product or service.

International Partnerships

Eight Costa Rican interns were hosted by credit unions

in Alabama and Florida through the International Credit

Union Leadership Program. It’s a partnership between the

World Council of Credit

Unions and the U.S. State

Department. Later in the

year, U.S. interns spent

a week in Costa Rica

learning about their credit

union system.

I cannot say enough GOOD things about the League and how resourceful you guys are. It would be very difficult for a small credit union

to function without the League.”—Wendy Bolton, CEO/manager, Montgomery VA Federal Credit Union

Cooperative Initiativesfocuses on meeting the

needs of LSCU’s members and providing resources to enhance their operations.

Integral parts of our member relations activities

are the Small Asset Size (SAS) Credit Union Program,

focused on consultative support to credit unions

under $50 million in assets, the ongoing development of our 19 chapters, and

enhancing the skills of our young leaders and future leaders through the Young Professionals Group (YPG).

Alabama Credit Union hosted Randall Chavarria, financial director at Coopebanpo Credit Union in Costa Rica.

U.S. interns visited the U.S. Embassy during their stay in Costa Rica.

100%of credit unions felt the LSCU staff communicates League

priorities. This is a six-percent increase from 2012.


248Number of credit union

participants in 22 planning sessions performed by the

LSCU staff.

1,067Touch points with credit union directors and staff through training,

chapter programs, conferences, and workshops.

$45,176

Amount small asset size credit unions have used through the

LSCU SAS Initiatives account for a League or CUNA event,

product or service.

LSCU facilitated the

Young Professionals

Group as it grew to

72 participants,

representing

42 credit unions.

The YPG meets

regularly and has

begun taking on

service projects.

LSCU Young Professionals Group tours All Children’s Hospital in St. Petersburg.

Southeastern Credit Union Foundation

Launched the FiCEP (certifi ed fi nancial counselor training program) with

47 representatives from 17 credit unions earning their Credit Union Certifi ed Financial

Counselor designation

Acquired a mobile branch, which was donated by Pen Air FCU, that is available during times of disaster.

Over $490,000 raised for Children’s Miracle Network Hospitals in Alabama and Florida.

SECUF assisted

credit unions

and chapters

in receiving

$101,960

in CO-OP Miracle

Match Funds

$37,775Amount of professional development grants awarded to

35 credit union employees and volunteer leaders.

“Thank you to the SECUF for the generous scholarship for City and Police FCU. The AC&E was great and I came away with a tremendous amount of material and motivation. I look forward to attending future conventions.”

—Aaron Logue, CEO, City and Police FCU

SECUF assisted

credit unions

and chapters

in receiving

$101,960

in CO-OP Miracle

Match Funds

Credit union and League

eventsprovide valuable support

to the Southeastern Credit

Union Foundation and its

primary programs. Through

the donations, pledges and

various golf outings, funds

are raised to provide credit

unions grants for financial

education training and

professional development

scholarship programs.

Working with credit unions to implement

student-run credit union branches. This not only

teaches financial education to the students but reaches the next generation of members.

Naheola CU CEO Mark Johnson putting in one of the League’s golf outings to benefit the Southeastern

Credit Union Foundation.

Communications

Introduced eSignal Daily e-newsletter to replace weekly e-newsletter. The eSignal Daily gets information to credit unions quicker and cuts down on the number of communications from the League.

Signal magazine was named Best

Association Magazine for the third straight year by the Hermes

Creative Awards.

“At Alive Credit Union, we know we can count on the League as a resource for information

regarding our industry and peers. With a variety of communication methods, such as

the eSignal newsletter and regular in person visits, the LSCU keeps us informed. We

also appreciate the cooperative efforts, like the Better Name For Banking campaign, to

continue to raise awareness about the credit union movement.”—Kristin Madole, vice president, communications, Alive Credit Union

85% of credit unions feel the

LSCU website is valuable. This is a 14 percent increase

from 2012. Source: LSCU & Affi liates 2013 Members Survey.

of credit unions feel the

LSCU keeps them well-informed. This is a three-percent increase


2.5 million Potential readers, viewers, and listeners were reached through the LSCU proactive media relations. This included stories in the

Birmingham News, Miami Herald, and South Florida Sun Sentinel.

3,500Number of times LSCU multimedia was accessed

by credit unions in 2013. This included videos from the CUNA GAC, State GACs, and LEVERAGE product videos.

“At Alive Credit Union, we know we can count on the League as a resource for information

regarding our industry and peers. With a variety of communication methods, such as

the eSignal newsletter and regular in person visits, the LSCU keeps us informed. We

also appreciate the cooperative efforts, like the Better Name For Banking campaign, to

continue to raise awareness about the credit union movement.”—Kristin Madole, vice president, communications, Alive Credit Union

85% of credit unions feel the

LSCU website is valuable. This is a 14 percent increase


of credit unions feel the

LSCU keeps them well-informed. This is a three-percent increase


2.5 million Potential readers, viewers, and listeners were reached through the LSCU proactive media relations. This included stories in the

Birmingham News, Miami Herald, and South Florida Sun Sentinel.

$100,000Amount of chapter support from LEVERAGE and

CUNA Mutual Group. This helped to pay for chapter events and meetings across Alabama and Florida.

LEVERAGE held a series of Human Resource Networking meetings for CEOs and HR professionals

in Alabama and Florida. Approximately 50 HR professionals attended networking meetings in

Birmingham, Jacksonville, Tampa, and Miami. LEVERAGE is working with credit unions to share information about

healthcare costs, employee compensation, and recruiting.

(LEVERAGE) is an alternative that needs to be looked at by every

institution. I’m not going to say they have every product but you should look at the products they do have. You need to be able to say I’ve investigated it at the very least. Many times this is going to be the low cost,

high service alternative you need for your institution.”

—Pat Mason, CEO, SUN CU

Your Advantage

LEVERAGE offers credit unions best-in-class solutions through a variety of products and services. When a credit union purchases a product through

LEVERAGE it has a direct correlation to the level and quality of services the League provides its member credit unions. The long-term sustainability of the LSCU & Affiliates is clearly dependent on a strong

and profitable LEVERAGE.

$110,000 Amount returned to Alabama and Mississippi credit unions from LEVERAGE’s CO-OP patronage dividend.

$45 million Amount of claims CUNA

Mutual paid to credit unions and Alabama and

Florida members in the last year.

$2.2 million Amount of

reimbursements to the LSCU & Affiliates from CUNA Mutual

Group which allows the League to offer value of membership solutions

such as the SAS Initiatives account

and PolicyPro.

CU Audit and Compliance Group is coming in 2014. It will give Alabama and Florida credit unions access to expanded auditing services,

as well as opinion audits.

99% of credit unions feel

LEVERAGE is a trusted business partner. This is a five-percent

increase from 2012.


$100,000Amount of chapter support from LEVERAGE and

CUNA Mutual Group. This helped to pay for chapter events and meetings across Alabama and Florida.

1,000 Number of vendors in the

CUVM and Ventelligence

contract management

database that have various

levels of critical due diligence

information, corresponding to

appropriate risk ratings. This

gives credit unions the peace

of mind that LEVERAGE has

done the work for them

before signing a contract.

(LEVERAGE) is an alternative that needs to be looked at by every

institution. I’m not going to say they have every product but you should look at the products they do have. You need to be able to say I’ve investigated it at the very least. Many times this is going to be the low cost,

high service alternative you need for your institution.”

—Pat Mason, CEO, SUN CU

I may be the marketing person or the teller and sit out front and answer

the phone, if that’s what’s necessary. So, to be

able to trust somebody (LEVERAGE) and know

when you ask them to do something for you that they’re devoted to you and they are going to

do exactly what you ask them to do to the best of their ability makes those relationships invaluable.”

—Jane Boysen, CEO, Alabama Rural Electric

CU Audit and Compliance Group is coming in 2014. It will give Alabama and Florida credit unions access to expanded auditing services,

as well as opinion audits.

Florida Credit Union Association

Alabama Credit Union Association

FLORIDA OFFICE

3692 Coolidge Ct.

Tallahassee, FL 32311

ALABAMA OFFICE

22 Inverness Center Parkway, #200

Birmingham, AL 35242

Like Us on Facebook at

facebook.com/LeagueofSoutheasternCreditUnions

Follow us on Twitter at

twitter.com/LeagueofSECUs

For more information on affi liation with the LSCU, contact LSCU VP, Cooperative Initiatives Laura Vann at 866.231.0545 ext. 2181

or [email protected].

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Documents

florida credit unions

member credit unions

credit union initiative

small credit union

nonaffi liates

increased affi liation

continued affi liation

affi liate organizations