2026 Spring Logowear ReorderHello Everyone! The Credit Union has budgeted for a $175.00 allowance to all teammates who joined FFCCU during or before 2025. Please only place an order if you need new items. Current availability & prices are available on our e-store here: http://business.landsend.com/store/ffccu/ Orders are due by 4pm on Wednesday, April 15th. Late orders will not be accepted. Please scan & email your completed LogoWear order forms to Eric Underwood (Admin teammates may drop off a paper form). The allowance is “use-it or lose-it.” There will be a $6.95 logo embroidery application fee for each item ordered. If you exceed the $175.00 allowance, you can pay the balance owed to FFCCU by cash, check, or transfer from your FFCCU account after you receive your items. On your order form, please use the correct code for the desired size category in the “ITEM NUMBER” field (for Women’s Short Sleeve Polos, 422967 is for Regular, 527649 is for Tall, & 422968 is for Plus, etc.). Then enter the desired size (S, M, L, etc.) in the “ITEM SIZE” field. Some items may be backordered, unavailable in specific sizes or colors, or delayed. If your items do not fit, you can exchange them for the same item in the correct size. Items will not be exchanged for a different style or color. If you receive incorrect items, please inform me within one week of receiving them, as we have limited time to send items back. Please let me know if you have any questions. Happy Shopping! ______________________________________________________  Let’s Talk About IT – Logging In & Signing On!Passing along and sharing some helpful information and best practices for logging in and signing on: - You have five attempts for both Windows and Symitar before you are locked out
- If you enter the wrong password, just try again – do not hit escape or mash buttons as this may disable your account after one bad attempt
- If you enter the wrong password, you may want to click the icon to view the password before submitting on your next attempt
- For sites and systems with a self-service reset or help option, use this feature first (before emailing HelpIT as many self-service sites may not allow admin resets)
- For sites you don’t use daily or weekly, consider setting a reminder to log in on a regular basis so your account is not disabled
Ignite My Future Scholarship Winners Meet this year’s Ignite My Future Scholarship winners! MATTHEW BUGA | Wellington High School“Giving back to the community is not just an obligation, but an opportunity to support others, learn from new experiences. and grow as a person.”
For Matthew, volunteering is about making an impact. His work through Wellington United Methodist Church’s Youth Group took him from Washinton D.C. to the site of hurricane devastation in North Carolina: Delivering meals, clearing debris, and building accessibility ramps. He promotes health, confidence, and personal safety as a volunteer facilitator through Tiger Martial Arts Academy, leveraging nearly a decade of Taekwondo experience. Matthew is proof of the striking changes that occur when you make service a priority. MALORIE OSTER | The Hawken School“You’ll get more than you give.”
Volunteering was always a choice for Malorie – and she never would have expected where the journey would take her. As a tutor through the Chagrin Falls Park Community Center, Malorie was a beacon for three young students with a variety of experiences. From overcoming frustrations with math, to standing as a positive mentor and source of safety and encouragement, to being an educational companion, Malorie honed her approach to tutoring to fill the needs of her mentees. And when the facilities themselves needed support, Malorie took it upon herself to attain grant funding for the Community Center and revitalize the experience for all students. |
February was a very good month. Here’s what our goals look like after the first two months. ROA – Goal .73% or more (Independent of the Bonus Accrual)February is usually a tough month for Net Income because the smaller number of days reduces the amount of loan income compared to other months. This was the case as usual, however, we also had lower expenses, a small amount of provision for loan loss expense, and lower dividend expense. Our Net Income for the month was a strong $221,000 which gives us $473,000 already this year. This projects to an ROA of .91%. Delinquency – Goal 1.00%(avg) or less After starting off with a ratio of .81% for January, we followed that up with a nice decrease to .68% for February. This comes out to an average of .75% through the first two months. We now have 150 loans that are two months or more delinquent with total balances of $1,684,055. Charge Offs – Goal .50% or less Charge-offs were a bit lower than January. We charged-off $67,878 which brought the two month total to $147,550. The good news was that recoveries were strong at $36,100 after having just $9,700 in January. This results in a ratio of .25% when annualizing it over the course of the year.. Net Operating Expense ratio – Goal 2.79% or less (Independent of the Bonus Accrual)As mentioned earlier, February’s expenses were lower than January’s ($1.14M compared to $1.23M). Since January usually starts us off with a higher ratio, the improvement in February led to a reduction in the ratio from 2.86% to 2.74%. Loan Growth – Goal 3.00% or moreWe had a great month of loan volume, and if this pace keeps up, we’ll be on the highway to the Loan Zone. We disbursed 205 loans for $8.9M which led to an increase in balances of $2.85M from the end of January. We had a good month in First Mortgages but much of the volume was in participation loans which has been helpful to make up for the lack of auto lending we’re seeing. The good month moved us to a positive ratio of .92%. Having growth of almost 1% after what are historically two of the slowest months of the year, is a very good start. Loan/Share – Goal 78.00% or moreShares decreased $200K in February and since we had very good growth in loans our ratio increased from 76.79% to 77.73%. Remember that this ratio will fluctuate based on growth or decreases in either category. Some months we could have a larger increase in shares depending on how the calendar works out which would decrease this ratio. Keep up the great work! Stay strong for ya boy, John! |
As we continue to refine our services, we’ve decided to focus our insurance offerings exclusively with our existing clients. This means we won’t be able to take on new referrals for insurance in general, including Indexed Universal Life (IUL) insurance. We believe this change will help us provide the best support to our current clients. Don’t worry we are still accepting referrals for new clients that need help with things like: – Retirement Planning (i.e. Roth and Traditional IRAs)
– 401k and other Employer Plan Rollovers
– Inheritances
– Estate Planning (Wills, Trusts, and Powers of Attorney)
– Financial Planning
– 529 Plans and other Education Funding
– General Investing
– Annuities As always, if you have any questions, feel free to reach out! Nichole Coyle, CFP®, CSLP®
Financial Planner Cetera Advisor Networks LLC
Located at: Firefighters Community Credit Union
2300 St Clair Ave NE Cleveland, OH 44114
216.621.4644 x1607 office
330.607.2213 mobileInvestment Advisor Representative offering advisory services and securities through Cetera Advisor Networks LLC, a Broker-Dealer and Registered Investment Advisor, Member FINRA/SIPC. Cetera is under separate ownership from any other named entity.Cetera is not affiliated with the financial institution where investment services are offered. Investments are: Not FDIC/NCUSIF insured * May lose value * Not financial institution guaranteed * Not a deposit * Not insured by a federal government agency.This message and any attachments contain information, which may be confidential and/or privileged, and is intended for use only by the intended recipient, any review; copying, distribution or use of this transmission is strictly prohibited. If you have received this transmission in error, please(i) notify the sender immediately and (ii) destroy all copies of this message.Confidential: This email and any files transmitted with it are confidential and are intended solely for the use of the individual or entity to whom this email is addressed. If you are not one of the named recipient(s) or otherwise have reason to believe that you have received this message in error, please notify the sender and delete this message immediately from your computer. Any other use, retention, dissemination, forward, printing, or copying of this message is strictly prohibited. |
Impact Crew’s January – July charitable organization will be Food Strong! Proceeds from our in-branch candy bar sales during this time will go to food strong to fight hunger! |
