SCEFCU.ORG • 800.866.6474

EQUAL HOUSINGLENDER

Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured SCE FCU deposits and are not NCUA insured. These products are not obligations of SCE FCU and are not endorsed, recommended or guaranteed by SCE FCU or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.

The LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: California (CA), Colorado (CO), Florida (FL), Hawaii (HI), Iowa (IA), Nevada (NV), Oklahoma (OK), and Washington (WA).

LPL Branch Office: 12701 Schabarum Ave, Irwindale CA 91706

Credit Union federally insured by NCUA2014 ANNUAL REPORT

We are the go-to commercial lenders for a wide variety of small- to medium-sized businesses. Looking beyond the numbers, we listen to the story as well – helping businesses and the local community to grow and prosper.

The Credit Union proudly serves, families, individuals, and businesses in the greater Los Angeles and Las Vegas areas.

... UNTIL WE’VE HELPED THE ENTIRE COMMUNITY

one step at a time...It has been an honor and a pleasure to help tens of thousands of our Credit Union members and people in the local community as they work toward fulfilling their financial dreams. We vow to continue our efforts and hope our members will continue to let family, friends and coworkers know about the better banking option in town.

one person at a time... Many people still are unaware of what a credit union is. And for those who do, a large number of them believe that only people who work for certain companies are able to open an account – and that is simply not true. There are many ways a person or business can be eligible to become part of the SCE FCU family – and a phone call is all it takes to find out how.

We offer the products and services found at most traditional banks, but here at the Credit Union you have the control. Every person who opens an account at the Credit Union is an equal owner of the Credit Union – whether you have $5 or $5 million dollars on deposit. And as an owner, you directly experience the rewards, such as great rates, added convenience, and service that is designed to wow you.

At SCE Federal Credit Union, we are passionate about serving our members and the community, one person at a time...

... UNTIL WE’VE HELPED THE ENTIRE COMMUNITY

CHECKING & SAVINGS CONVENIENT ACCESS BUSINESS BANKING INSURANCEOur deposit accounts feature competitive rates and many free options.

• Free Checking – with no catch!• Green Checking – paying

dividends with no minimum balance required and offering a Debit Rewards program

• Free overdraft from other SCE FCU accounts

• Free Visa Check Cards• Savings & Money Market

Accounts• Holiday & Vacation Club

Accounts• Certificates, IRAs & Coverdell

ESAs• Health Savings Accounts• Youth Accounts

We’re always open somewhere!• Deposit Anywhere – deposit

checks straight from your Android or iPhone

• Nearly 30,000 Surcharge-Free ATMs, including at most 7-Eleven® locations

• SCE FCU Branches in Southern California & Southern Nevada

• Shared Branches across the US• FastLine Automated Teller• 24/7 Contact Center, with full-

service 6 days a week and select service outside of regular hours

• Online Banking & Bill Pay• Customized smartphone apps• Snapshot, online personal

financial manager

Fair and affordable banking options for small- and medium-sized businesses:

• Free Business Checking, Commercial Checking, & Commercial Advantage Checking, which pays dividends

• Business Certificates• Money Market Accounts• Revolving Lines of Credit• Business Term Loans• Commercial Real Estate Loans• SBA Loans• Business Visa Credit & Debit• Online Bill Pay• Mobile Deposit

Member Advantage, our in-house insurance agency, offers competitive pricing from dependable insurance providers such as Allied, Mercury, Travelers Progressive, and many more.Member Advantage Insurance Services offer coverage for:

• Auto• Home• Life• Motorcycle• RV & Specialized Vehicles• Watercraft• Business• Commercial Property

I N S U R A N C E S E R V I C E S

MemberAdvantage

BOARD of DIRECTORS

KENJI COLEMAN Board Secretary

GREG WALLACE Board Director

MARY STEUDLE Board Chair

WARREN LEHMANN Board Financial Ofcer

PATRICK MCCLOSKEY Board Vice Chair

NANCY BOND Board Director

not pictured: Victor Dominguez, Board Director

PRODUCTS & SERVICES

CONSUMER LENDING VISA CREDIT CARDS REAL ESTATE LOANS INVESTMENTSA full array of loans, ofering highly competitive rates, fair and fexible terms, no or low down payments, and a quick application process:

• Auto Loans - new, used, refnances, classic cars

• Auto Equity Loans, which may provide a tax-deduction

• Recreational Loans - new & used RVs, travel trailers, 5th wheels, motorcycles, boats, personal watercraft & of-road recreational vehicles

• CU at the Wheel - our complimentary auto buying concierge service exclusively for SCE FCU members, saving time, money and the typical car buying frustration

• Personal Lines of Credit

SCE FCU credit cards are loaded with great features – no annual fee, low interest rates, generous limits and fair terms:

• Visa Platinum Rewards Credit Card, with no annual fee and points toward travel, gifts, and merchandise

• Visa Platinum Credit Card, with no annual fee

• Zero-Liability Protection in the event of fraud

Whether members are purchasing a home, refinancing, or utilizing equity, we have programs for:

• First Mortgage Loans – for purchase or refinance

• Second homes, vacation homes, rental properties

• FHA Loans (in California) & first-time buyer options

• Conforming or Jumbo, fixed or adjustable rates, variety of terms

• Fixed-Rate Home Equity Loans, Variable-Rate Lines of Credit & Split Second Loans

• Owner- and non-owner occupied

• In California and Nevada

In addition to the many investment options the Credit Union offers, we invite you to utilize the services of SCE FCU Wealth Management for assistance with:

• Strategies for generating life-lasting income

• Investment management and retirement planning

• Life, disability and long-term care insurance

• Estate planning• Stocks, bonds, mutual funds

and annuities

Since our inception in 1952, our primary goal has been to serve the financial needs of members. In doing so we fulfill our ultimate purpose, which all credit unions strive to achieve and for which we were ultimately established – people helping people.

In 2014 we achieved a great balance of preserving that purpose while preparing the Credit Union for the opportunities that lie ahead. As we continued to meet members’ needs with new services and community support, numerous processes and strategies were implemented to be well positioned for 2015. Still we remained focused on our daily goal: helping communities, one person at a time, one step at time.

Financially, it was another very good year for SCE FCU and its member/owners, as you will see in the financial section of this report, including loan growth that well exceeded budget. In addition, the Credit Union introduced several significant products and services to enhance the banking

experience for our members, including conveniences such as coin machines at several branches and the addition of weekend hours so that banking on Saturdays is now available at most SCE FCU branches.

An exciting milestone for SCE FCU occurred in April when the Credit Union obtained a Community Development Financial Institution (CDFI) designation. This financial designation by the US Treasury certifies that SCE FCU has demonstrated a commitment to serve members who have moderate to low incomes and live in distressed areas. We are especially proud of this achievement, as it is recognition of our efforts in our local communities and allows us access to CDFI-only grants. With additional financial assistance, we seek to expand our products and services, enabling us to help even more of the people who need help the most – in fulfillment of our legal and philosophical mandate to help people, who need the help the most.

REPORT of the CHAIR & CEO

IN THE COMMUNITY

A commitment to the financial empowerment of the underserved in our communities remains a driving force within SCE FCU’s mission. Our nonprofit partner, the Center for Financial Empowerment, plays a key role in serving our communities with life-enhancing financial education for youth and families of modest means.

The Center celebrated the following accomplishments in 2014:

• Facilitated 81 financial literacy workshops, serving nearly 3,000 high school students and community residents with actionable financial education

• Prepared 430 teen participants for real-life finances through four Mad City Money reality simulations

• Awarded $16,000 in scholarships, helping 18 hard-working students pay for college expenses

• Secured $10,000 in grant funds from the Corporation for Enterprise Development (CFED) and the MetLife Foundation to enhance the Mad City Money learning experience with the integration of new technology

SCE FCU and the Center for Financial Empowerment have a shared vision to provide a positive financial head start for thousands of young adults through financial education, tools and designed-to-thrive financial services. It’s a big goal that can positively impact entire families and their communities!

We invite our members to join us in strengthening the future economy by investing in the financial education of our youth. Visit Center4FE.org to find out more.

One of the highlights of 2014 was returning to the community of Boyle Heights several years after earthquake damage forced the closure of the historic building in which our branch was located. Our beautiful new branch DENNIS HUBER opened in July to great community fanfare and support. President & CEO We are beyond delighted to once again be able to serve the residents and businesses in this area so close to our hearts.

We are encouraged that more people than ever in our local communities are utilizing the benefits provided through the Credit Union’s products and services. We extend a hearty welcome to our many new members and offer our gratitude to existing SCE FCU members. We thank you for your support as we continually strive to better the organization and remain well situated to meet your needs throughout all MARY STEUDLE the stages of your life. Board Chair

Our Mad City Money reality simulation allows high school youth to learn the financial realities of life in a fun, interactive way.Participants’ knowledge of basic financial choices improved by an average of 32% as a result of this activity in 2014.

DENNIS HUBER President Chief Executive Ofcer

DAN RADER Executive Vice President Chief Financial Ofcer

IRENE SARBER Executive Vice President HR & Business Intelligence

GEORGE POITOU Executive Vice President Chief Operating Ofcer

EXECUTIVE MANAGEMENT TEAM

REPORT of the SUPERVISORY COMMITTEE

The Supervisory Committee, a group of volunteers appointed by the Board of Directors, is primarily responsible for overseeing the overall safety and soundness of the Credit Union.

The committee meets every other month with the Credit Union’s internal audit team to monitor adherence to operating practices and procedures. In addition, the committee contracted with the independent accounting firm of BDO USA to audit the Credit Union’s records for the twelve months ending March 31, 2014. Once again, we are pleased to report the assets held by SCE FCU are safe and secure and no significant findings were reported.

Furthermore, our review concludes that SCE FCU is in compliance with federal regulations and standards provided by the National Credit Union Administration (NCUA).

The Supervisory Committee congratulates the SCE FCU volunteers, managers and members on another successful year.

’

-

DAN RADER Executive Vice President Chief Financial Officer

WARREN LEHMANN Board Financial Officer

2014 was a financially successful year for SCE FCU. As a cooperative, we re committed to fulfilling the philosophical credit union mandate of helping people, including those of lesser means who have traditionally been underserved and excluded from accessing mainstream financial products and services in the greater Los Angeles and Las Vegas areas. Through a combination of affordable financial services and comprehensive financial education, we aim to help our members build assets and enjoy financial stability.

Here are some of the SCE FCU financial highlights of 2014:

• Ended the year with assets of $607.8 million • Had a net income of $4.2 million • Totaled $100.1 million in funded loans • Funded $12.6 million in Member Business Loans (MBL), meeting the

goal of an increase in the MBL portfolio by $6 million • Ended the year with shares of $518.6 million

Our federal regulators, the National Credit Union Administration, define a well-capitalized credit union as having at least 7% of its assets in reserve. SCE FCU finished the year at a very healthy 9.8%. Overall your Credit Union is financially strong and able to meet the financial needs of our member owners for the foreseeable future.

FINANCIAL REPORT

SUPERVISORY COMMITTEE

MICHAEL MAXWELLMember

SHARON ACOSTA GRIJALVAMember

PATRICK MCCLOSKEYDirector

not pictured: Chris Carter, Member; Luis Cruz, Member

2014

$59,

812,

520

2013

$55,

602,

983

2014

$518

,593

,481

2013

$513

,071

,984

2014

$341

,010

,742

2013$3

18,8

27,5

92

LOAN GROWTH SHARE GROWTH NET WORTH GROWTH

2012

2012

2012

$319

,432

,127

$497

,955

,016

$52,

900,

953

FINANCIAL CONDITIONDISTRIBUTION of SHARES

20142013

ASSETS$311,184,825 $335,281,157 Loans, Net

238,224,075 228,063,150 Investments

17,602,162 17,390,751 Fixed Assets28,180,275 27,082,404 Other Assets

$595,191,337 $607,817,462 TOTAL ASSETS

EQUITY &OTHER LIABILITIES

$513,071,984 $518,593,481 Shares & Certifcates

55,602,983 59,812,520 Reserve & Undivided Earnings26,516,370 29,411,461 Other Liabilities

$595,191,337 $607,817,462 TOTAL EQUITY& LIABILITIES

As of December 31, 2014 – Unaudited

32% IRAs & Certifcates

30% Money Market

23% Savings

15% Checking

$30,117,603 $30,167,436

$13,132,315 $12,693,563

5,953,875 6,131,151

1,741,232 1,801,547

931,155 1,601,397

518,000 -750,000

440,877 638,900

1,544,028 1,008,793

$24,261,482 $23,125,351

$3,154,091 $2,832,548

$2,702,030 $4,209,537

2013 2014

TOTAL INCOME EXPENSES

Personnel

Ofce Operations & Occupancy

Loan Servicing

Professional/Outside Services

Provision for Loan Losses

Education/Promotion

Other

Total Expenses Total Interest Expense & Dividends

NET INCOME

As of December 31, 2014 – Unaudited

STATEMENTS of INCOME

Real Estate 36%

Vehicle 31%

Business 15%

Visa 10%

Personal 6%

Other 2%

DISTRIBUTION of LOANS

STATEMENTS of INCOME DISTRIBUTION of LOANS

TOTAL INCOME $30,117,603 $30,167,436

EXPENSESPersonnel $13,132,315 $12,693,563

Ofce Operations & Occupancy 5,953,875 6,131,151

Loan Servicing 1,741,232 1,801,547

Professional/Outside Services 931,155 1,601,397

Provision for Loan Losses 518,000 -750,000

Education/Promotion 440,877 638,900

Other 1,544,028 1,008,793

Total Expenses $24,261,482 $23,125,351Total Interest Expense & Dividends $3,154,091 $2,832,548

NET INCOME $2,702,030 $4,209,537

2013 2014As of December 31, 2014 – Unaudited

Real Estate 36%

Vehicle 31%

Business 15%

Visa 10%

Personal 6%

Other 2%

32% IRAs & Certifcates ASSETS 30% Money Market

23% Savings

15% Checking

& LIABILITIES

As of December 31, 2014 – Unaudited

DISTRIBUTION of SHARES FINANCIAL CONDITION

20142013

$311,184,825 $335,281,157 Loans, Net

238,224,075 228,063,150 Investments

17,602,162 17,390,751 Fixed Assets 28,180,275 27,082,404 Other Assets

$595,191,337 $607,817,462 TOTAL ASSETS

EQUITY & OTHER LIABILITIES

$513,071,984 $518,593,481 Shares & Certifcates

55,602,983 59,812,520 Reserve & Undivided Earnings 26,516,370 29,411,461 Other Liabilities

$595,191,337 $607,817,462 TOTAL EQUITY

2014

$59,

812,

520

2013

$55,

602,

983

2014

$518

,593

,481

2013

$513

,071

,984

2014

$341

,010

,742

2013

$318

,827

,592

LOAN GROWTH SHARE GROWTH NET WORTH GROWTH

2012

2012

2012

$319

,432

,127

$497

,955

,016

$52,

900,

953

MICHAEL MAXWELL Member

SHARON ACOSTA GRIJALVA Member

PATRICK MCCLOSKEY Director

SUPERVISORY COMMITTEE not pictured: Chris Carter, Member; Luis Cruz, Member

FINANCIAL REPORT

2014 was a financially successful year for SCE FCU. As a cooperative, we’re committed to fulfilling the philosophical credit union mandate of helping people, including those of lesser means who have traditionally been underserved and excluded from accessing mainstream financial products and services in the greater Los Angeles and Las Vegas areas. Through a combination of affordable financial services and comprehensive financial education, we aim to help our members build assets and enjoy financial stability.

Here are some of the SCE FCU financial highlights of 2014:

• Ended the year with assets of $607.8 million• Had a net income of $4.2 million• Totaled $100.1 million in funded loans• Funded $12.6 million in Member Business Loans (MBL), meeting the

goal of an increase in the MBL portfolio by $6 million• Ended the year with shares of $518.6 million

Our federal regulators, the National Credit Union Administration, define a well-capitalized credit union as having at least 7% of its assets in reserve. SCE FCU finished the year at a very healthy 9.8%. Overall your Credit Union is financially strong and able to meet the financial needs of our member-owners for the foreseeable future.

WARREN LEHMANNBoard Financial Officer

DAN RADERExecutive Vice PresidentChief Financial Officer

The Supervisory Committee, a group of volunteers appointed by the Board of Directors, is primarily responsible for overseeing the overall safety and soundness of the Credit Union.

The committee meets every other month with the Credit Union’s internal audit team to monitor adherence to operating practices and procedures. In addition, the committee contracted with the independent accounting firm of BDO USA to audit the Credit Union’s records for the twelve months ending March 31, 2014. Once again, we are pleased to report the assets held by SCE FCU are safe and secure and no significant findings were reported.

Furthermore, our review concludes that SCE FCU is in compliance with federal regulations and standards provided by the National Credit Union Administration (NCUA).

The Supervisory Committee congratulates the SCE FCU volunteers, managers and members on another successful year.

REPORT of the SUPERVISORY COMMITTEE

EXECUTIVE MANAGEMENT TEAM

DENNIS HUBERPresidentChief Executive Ofcer

DAN RADERExecutive Vice PresidentChief Financial Ofcer

IRENE SARBERExecutive Vice PresidentHR & Business Intelligence

GEORGE POITOUExecutive Vice PresidentChief Operating Ofcer

’Our Mad City Money reality simulation allows high school youth to learn the financial realities of life in a fun, interactive way. Participants knowledge of basic financial choices improved by an average of 32% as a result of this activity in 2014.

MARY STEUDLEBoard Chair

DENNIS HUBERPresident & CEO

One of the highlights of 2014 was returning to the community of Boyle Heights several years after earthquake damage forced the closure of the historic building in which our branch was located. Our beautiful new branch opened in July to great community fanfare and support. We are beyond delighted to once again be able to serve the residents and businesses in this area so close to our hearts.

We are encouraged that more people than ever in our local communities are utilizing the benefits provided through the Credit Union’s products and services. We extend a hearty welcome to our many new members and offer our gratitude to existing SCE FCU members. We thank you for your support as we continually strive to better the organization and remain well situated to meet your needs throughout all the stages of your life.

A commitment to the financial empowerment of the underserved in our communities remains a driving force within SCE FCU’s mission. Our nonprofit partner, the Center for Financial Empowerment, plays a key role in serving our communities with life-enhancing financial education for youth and families of modest means.

The Center celebrated the following accomplishments in 2014:

• Facilitated 81 financial literacy workshops, serving nearly 3,000 high school students and community residents with actionable financial education

• Prepared 430 teen participants for real-life finances through four Mad City Money reality simulations

• Awarded $16,000 in scholarships, helping 18 hard-working students pay for college expenses

• Secured $10,000 in grant funds from the Corporation for Enterprise Development (CFED) and the MetLife Foundation to enhance the Mad City Money learning experience with the integration of new technology

SCE FCU and the Center for Financial Empowerment have a shared vision to provide a positive financial head start for thousands of young adults through financial education, tools and designed-to-thrive financial services. It’s a big goal that can positively impact entire families and their communities!

We invite our members to join us in strengthening the future economy by investing in the financial education of our youth. Visit Center4FE.org to find out more.

IN THE COMMUNITY

REPORT of the CHAIR & CEO

Since our inception in 1952, our primary goal has been to serve the financial needs of members. In doing so we fulfill our ultimate purpose, which all credit unions strive to achieve and for which we were ultimately established – people helping people.

In 2014 we achieved a great balance of preserving that purpose while preparing the Credit Union for the opportunities that lie ahead. As we continued to meet members’ needs with new services and community support, numerous processes and strategies were implemented to be well positioned for 2015. Still we remained focused on our daily goal: helping communities, one person at a time, one step at time.

Financially, it was another very good year for SCE FCU and its member/owners, as you will see in the financial section of this report, including loan growth that well exceeded budget. In addition, the Credit Union introduced several significant products and services to enhance the banking

experience for our members, including conveniences such as coin machines at several branches and the addition of weekend hours so that banking on Saturdays is now available at most SCE FCU branches.

An exciting milestone for SCE FCU occurred in April when the Credit Union obtained a Community Development Financial Institution (CDFI) designation. This financial designation by the US Treasury certifies that SCE FCU has demonstrated a commitment to serve members who have moderate to low incomes and live in distressed areas. We are especially proud of this achievement, as it is recognition of our efforts in our local communities and allows us access to CDFI-only grants. With additional financial assistance, we seek to expand our products and services, enabling us to help even more of the people who need help the most – in fulfillment of our legal and philosophical mandate to help people, who need the help the most.

CONSUMER LENDING A full array of loans, ofering highly competitive rates, fair and fexible terms, no or low down payments, and a quick application process:

• Auto Loans - new, used, refnances, classic cars

• Auto Equity Loans, which may provide a tax-deduction

• Recreational Loans - new & used RVs, travel trailers, 5th wheels, motorcycles, boats, personal watercraft & of-road recreational vehicles

• CU at the Wheel - our complimentary auto buying concierge service exclusively for SCE FCU members, saving time, money and the typical car buying frustration

• Personal Lines of Credit

PRODUCTS & SERVICES

VISA CREDIT CARDS SCE FCU credit cards are loaded with great features – no annual fee, low interest rates, generous limits and fair terms:

• Visa Platinum Rewards Credit Card, with no annual fee and points toward travel, gifts, and merchandise

• Visa Platinum Credit Card, with no annual fee

• Zero-Liability Protection in the event of fraud

REAL ESTATE LOANS Whether members are purchasing a home, refinancing, or utilizing equity, we have programs for:

• First Mortgage Loans – for purchase or refinance

• Second homes, vacation homes, rental properties

• FHA Loans (in California) & first-time buyer options

• Conforming or Jumbo, fixed or adjustable rates, variety of terms

• Fixed-Rate Home Equity Loans, Variable-Rate Lines of Credit & Split Second Loans

• Owner- and non-owner occupied

• In California and Nevada

INVESTMENTS In addition to the many investment options the Credit Union offers, we invite you to utilize the services of SCE FCU Wealth Management for assistance with:

• Strategies for generating life-lasting income

• Investment management and retirement planning

• Life, disability and long-term care insurance

• Estate planning • Stocks, bonds, mutual funds

and annuities

BOARD of DIRECTORS

KENJI COLEMANBoard Secretary

GREG WALLACEBoard Director

MARY STEUDLEBoard Chair

WARREN LEHMANNBoard Financial Ofcer

PATRICK MCCLOSKEYBoard Vice Chair

NANCY BONDBoard Director

not pictured: Victor Dominguez, Board Director

CHECKING & SAVINGS Our deposit accounts feature competitive rates and many free options.

• Free Checking – with no catch! • Green Checking – paying

dividends with no minimum balance required and offering a Debit Rewards program

• Free overdraft from other SCE FCU accounts

• Free Visa Check Cards • Savings & Money Market

Accounts • Holiday & Vacation Club

Accounts • Certificates, IRAs & Coverdell

ESAs • Health Savings Accounts • Youth Accounts

CONVENIENT ACCESS We’re always open somewhere!

• Deposit Anywhere – deposit checks straight from your Android or iPhone

• Nearly 30,000 Surcharge-Free ATMs, including at most 7-Eleven® locations

• SCE FCU Branches in Southern California & Southern Nevada

• Shared Branches across the US • FastLine Automated Teller • 24/7 Contact Center, with full-

BUSINESS BANKING Fair and affordable banking options for small- and medium-sized businesses:

• Free Business Checking, Commercial Checking, & Commercial Advantage Checking, which pays dividends

• Business Certificates • Money Market Accounts • Revolving Lines of Credit • Business Term Loans • Commercial Real Estate Loans

INSURANCE Member Advantage, our in-house insurance agency, offers competitive pricing from dependable insurance providers such as Allied, Mercury, Travelers Progressive, and many more. Member Advantage Insurance Services offer coverage for:

• Auto • Home • Life • Motorcycle

service 6 days a week and select service outside of regular hours

• Online Banking & Bill Pay • Customized smartphone apps • Snapshot, online personal

financial manager

• SBA Loans • Business Visa Credit & Debit • Online Bill Pay • Mobile Deposit

• RV & Specialized Vehicles • Watercraft • Business • Commercial Property

I N S U R A N C E S E R V I C E S

Member Advantage

... UNTIL WE’VE HELPED THE ENTIRE COMMUNITY

one person at a time...Many people still are unaware of what a credit union is. And for those who do, a large number of them believe that only people who work for certain companies are able to open an account – and that is simply not true. There are many ways a person or business can be eligible to become part of the SCE FCU family – and a phone call is all it takes to find out how.

We offer the products and services found at most traditional banks, but here at the Credit Union you have the control. Every person who opens an account at the Credit Union is an equal owner of the Credit Union – whether you have $5 or $5 million dollars on deposit. And as an owner, you directly experience the rewards, such as great rates, added convenience, and service that is designed to wow you.

At SCE Federal Credit Union, we are passionate about serving our members and the community, one person at a time...

one step at a time... It has been an honor and a pleasure to help tens of thousands of our Credit Union members and people in the local community as they work toward fulfilling their financial dreams. We vow to continue our efforts and hope our members will continue to let family, friends and coworkers know about the better banking option in town.

... UNTIL WE’VE HELPED THE ENTIRE COMMUNITY

The Credit Union proudly serves, families, individuals, and businesses in the greater Los Angeles and Las Vegas areas. We are the go-to commercial lenders for a wide variety of small- to medium-sized businesses. Looking beyond the numbers,

we listen to the story as well – helping businesses and the local community to grow and prosper.

2014 ANNUAL REPORT

SCEFCU.ORG • 800.866.6474

Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured SCE FCU deposits and are not NCUA insured. These products are not obligations of SCE FCU and are not endorsed, recommended or guaranteed by SCE FCU or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.

The LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: California (CA), Colorado (CO), Florida (FL), Hawaii (HI), Iowa (IA), Nevada (NV), Oklahoma (OK), and Washington (WA).

LPL Branch Office: 12701 Schabarum Ave, Irwindale CA 91706

EQUAL HOUSINGLENDER Credit Union federally insured by NCUA