As we count down the final hours of the year and prepare to welcome 2026, we at Self Reliance Financial Federal Credit Union want to take a moment to reflect on where we have been and where we are headed. This year has been one of meaningful transition, steady growth, and a continued commitment to serving our members with the care, integrity, and community spirit that define our credit union at its core. A Year Marked by Transformation One of the most significant milestones of 2025 was the merger that united our legacy organizations—Ukrainian Selfreliance Federal Credit Union and Self Reliance New York Federal Credit Union—under a shared mission and a unified name: Self Reliance Financial Federal Credit Union. This merger represented more than an operational update. It brought together histories, traditions, and member communities who share a belief in financial strength built through cooperation. Throughout the transition, our teams have worked and continue to work diligently to align systems and workflows. Our members have shown patience and trust as we navigated each step. Throughout it all, our team has remained focused on maintaining stability and ensuring that our members continue to receive the service and support they rely on. Looking Toward 2026 With Clarity and Purpose As 2026 arrives, we look toward the future with clarity and optimism. The foundation we built in 2025 sets the stage for a year focused on unity, improvement, and forward momentum. In the new year, members can expect continued enhancements to their experience in branches, online, and across every point of connection with the credit union. Organizational alignment will continue beyond that point to ensure our systems and processes function seamlessly as one. Community involvement will remain a cornerstone of our purpose, honoring the roots and values that define us. And we will continue to communicate openly as we share updates on our progress and next steps. Tune in to our exclusive CEO interview in SRFFCU Talks: Hromada Listens, where Anatoli Murha shares the vision shaping our credit union, provides updates on rates and member benefits, explains the purpose behind our merger, and discusses how we’re enhancing everyday banking while preserving the services you trust all with a focus on strengthening our community. Your needs continue to guide our direction, and together, we’ll keep building a credit union that works for you. Listen here. Thank You for Being Part of Our Journey To our members, thank you for your trust, support, and partnership during this meaningful year of transition. To our dedicated team, thank you for your effort, resilience, and commitment to serving our community. And to the communities who rely on us, thank you for allowing us to support your financial well‑being. As we close out 2025, we look ahead to 2026 with unity, optimism, and a renewed sense of purpose. Together, we are building something stable, lasting, and rooted in the spirit of self‑reliance. From all of us at Self Reliance Financial Federal Credit Union, we wish you a healthy, joyful, and prosperous New Year.