Coast Guard Mutual Assistance 2016 Annual Report

2016 Message from the Chairman

Coast Guard Mutual Assistance (CGMA), the Coast Guard’s own relief society, traces its beginnings back to 1924. Over the years it has given out more than $181 million in direct financial aid in response to needs within the Coast Guard family, living up to the motto, “We Look after Our Own.”

In 2016, CGMA continued to provide incredible support while expand‐ing its assistance portfolio as new and recently enhanced programs took full effect. Responding to more than 5,200 requests, CGMA pro‐vided over $4 million in direct financial assistance—a 17% increase over the previous year. Another $147,920 funded essential service programs: financial counseling, respite care for special needs families, student loan fee reimbursements, tutoring services, and baby layettes for families with newborns. The year also saw Coast Guard families impacted by extensive flooding in Louisiana and by Hurricane Mat‐thew on the east coast. CGMA was there to help, providing over $54,000 in loans and grants to those affected.

I note with great pride the generosity demonstrated within our Coast Guard community. Donations in 2016 approached the $2 million mark. Your faithful giving keeps CGMA solidly positioned to meet future needs and serves as a fine example of stepping up to fulfill our Duty to People.

Special thanks go to the more than 400 CGMA Representatives and Assistant Representatives, hundreds of campaign workers, and the staff  at CGMA Headquarters, who work hard to accomplish CGMA’s mission. I also commend the CGMA Board of Control for its diligent oversight and keen desire to serve the needs of Coast Guard families. Working together, you have made for a successful 2016.

I am pleased to report that CGMA is strong and healthy, ready to carry on its mission well into the future.

SemperParatus,

Paul F. Zukunft

Admiral, U.S. Coast Guard

Chairman Coast Guard Mutual Assistance

CGMA Presence

Over 400 CGMA Representatives at 96 Shore Units and 39 Cutters in 32 states & territories

ACADEMY NEW LONDON

AIR STATION ATLANTIC CITY

AIR STATION BARBERS POINT

AIR STATION BORINQUEN

AIR STATION CLEARWATER

AIR STATION DETROIT

AIR STATION MIAMI

AIR STATION SACRAMENTO

AIR STATION SAN FRANCISCO

AIR STATION SAVANNAH

AIR STATION SITKA

AIR STATION TRAVERSE CITY

AIR STATION/SFO PORT ANGELES

ATC MOBILE

BASE ALAMEDA

BASE BOSTON

BASE CAPE COD

BASE CHARLESTON

BASE CLEVELAND

BASE DET ST LOUIS

BASE ELIZABETH CITY

BASE HONOLULU

BASE KETCHIKAN

BASE KETCHIKAN‐JUNEAU

BASE KODIAK

BASE LA/LB

BASE MIAMI BEACH

BASE NATIONAL CAPITAL REGION

BASE NEW ORLEANS

BASE PORTSMOUTH

BASE SEATTLE

CRYPTO UNIT TX

DISTRICT FOURTEEN HONOLULU

FINCEN CHESAPEAKE

HITRON JACKSONVILLE

INSTITUTE OKLAHOMA CITY

LSC NORFOLK

MFPU KINGS BAY

MSST SAN DIEGO

MSU CHICAGO

MSU DULUTH

MSU HUNTINGTON

MSU MORGAN CITY

MSU PADUCAH

MSU PITTSBURGH

MSU PORT ARTHUR

MSU PORTLAND

MSU SAVANNAH

MSU TEXAS CITY

MSU VALDEZ

NVDC FALLING WATERS

PPC TOPEKA

SECTOR ANCHORAGE

SECTOR BOSTON

SECTOR BUFFALO

SECTOR CHARLESTON

SECTOR COLUMBIA RIVER WARRENTON

SECTOR CORPUS CHRISTI

SECTOR DELAWARE BAY PHILADELPHIA

SECTOR DETROIT

SECTOR GUAM

SECTOR HOUSTON/GALVESTON

SECTOR HUMBOLDT BAY

SECTOR JACKSONVILLE

SECTOR KEY WEST

SECTOR LAKE MICHIGAN MILWAUKEE

SECTOR LONG ISLAND SOUND NEW HAVEN

SECTOR LOS ANGELES/LONG BEACH

SECTOR LOWER MISS RIVER MEMPHIS

SECTOR MOBILE

SECTOR NEW YORK

SECTOR NORTH BEND

SECTOR NORTH CAROLINA/ATLANTIC BEACH

SECTOR NORTHERN NE PORTLAND

SECTOR OHIO VALLEY LOUISVILLE

SECTOR PUGET SOUND SEATTLE

SECTOR SAN DIEGO

SECTOR SAN FRANCISCO

SECTOR SAN JUAN

SECTOR SAULT STE MARIE

SECTOR SOUTHEASTERN NE WOODS HOLE

SECTOR ST PETERSBURG

SECTOR UPPER MISS RIVER ST LOUIS

SFO EASTERN SHORE CHINCOTEAGUE

SFO GALVESTON

SFO GRAND HAVEN

SFO MORICHES

SFO SOUTHWEST HARBOR

SMTC CAPE LEJEUNE

STATION CHANNEL ISLANDS HRBR OXNARD

STATION CHETCO RIVER

TISCOM ALEXANDRIA

TRACEN CAPE MAY

TRACEN PETALUMA

TRACEN YORKTOWN

YARD BALTIMORE

USCGC ACTIVE

USCGC ALERT

USCGC BEAR

USCGC BERTHOLF

USCGC BOUTWELL

USCGC CAMPBELL

USCGC CONFIDENCE

USCGC DEPENDABLE

USCGC DILIGENCE

USCGC EAGLE

USCGC ESCANABA

USCGC FORWARD

USCGC HAMILTON

USCGC HARRIET LANE

USCGC HICKORY

USCGC JAMES

USCGC JUNIPER

USCGC LEGARE

USCGC MACKINAW

USCGC MELLON

USCGC MIDGETT

USCGC MOHAWK

USCGC MORGENTHAU

USCGC NORTHLAND

USCGC POLAR STAR

USCGC RELIANCE

USCGC RESOLUTE

USCGC SENECA

USCGC SHERMAN

USCGC SPENCER

USCGC STEADFAST

USCGC STRATTON

USCGC SYCAMORE

USCGC TAHOMA

USCGC TAMPA

USCGC THETIS

USCGC VIGILANT

USCGC VIGOROUS

USCGC WAESCHE

2016 Casework Results

Since 1924, Coast Guard Mutual Assistance (CGMA) has been a reliable source of essential financial aid to those in need within the Coast Guard community. Over the course of its service history, CGMA has given over $181 million in financial assistance to serve those needs. In the past five years alone, CGMA has issued interest‐free loans totaling over $15.5 million as well as personal and education grants totaling more than $3.3 million in approximately 25,000 cases.

$4 million total assistance

$ 1,046,642 education assistance

$70,400 adoption loans and grants

In 2016, CGMA provided essential financial aid to 5,209 Coast Guard families through interest‐free loans and grants.

Over 8,500 students were supported through CGMA’s education programs.

CGMA gave 33 loans and grants to help Coast Guard families with the unique financial demands of adopting a child.

CGMA understands the sacrifices of the Coast Guard family, especially when they face an unexpected finan‐cial need.

Whether helping members with emergency home repairs due to fire or flood, or emergency travel to wit‐ness the birth of their child or to visit the bedside of a critically ill parent, CGMA is ready to look after our own.

In an effort to alleviate the stress of these and a host of other circum‐stances, members continue to turn to CGMA and find the support they need.

2016 Programs Highlights

Special Needs Grant

CGMA introduced a grant in 2015 that provides financial assistance to Active Duty cli‐ents who are faced with extra costs related to their dependents with special needs. To be eligible, clients must have dependents registered in the Coast Guard special needs program. This grant, up to $3000 per client, helps fund fees for specialized activities (camps, clubs, sporting leagues); the cost of adaptive equipment such as heavy duty strollers, wheelchairs, and shoes; and the cost of other resources designed to meet spe‐cial needs, like Assistive Technology Devices (communication devices, hearing aids, etc.) or specialized computer software, and membership fees to organizations that provide special needs services. Coast Guard Mutual Assistance was able to double the number of families that were helped in 2016 by providing $41,000 to alleviate some of the financial impact unique to these clients, a 140% increase over 2015.

Baby Layettes

CGMA’s “Welcome Baby Package” is offered to all clients who are having a baby or are adopting one. The Layette, valued at over $70, contains a receiving blanket, crib sheets, clothes and other items for a newborn child. In 2016, CGMA supplied $28,700 in baby supplies to 490 Coast Guard families.

Dear Coast Guard Mutual Assistance,

Thank you so much…

It was a big help to prepare us for the baby!

Thank you, Russell and Elizabeth Poole

Education Programs

CGMA has several education programs to support the financial endeavors of the Coast Guard family. During a time where tuition assistance is not guaranteed and more de‐pendents are going back to school in order to gain employment, the existing programs help our family achieve their academic goals. The interest free education loan allows cli‐ents to borrow $3000 for themselves or dependents without worries of paying interest. CGMA assisted clients with over $168,000 for education expenses including tuition. For clients that paid the loan origination fee for federal student loans (up to 4%), CGMA offered direct reimbursement on these charges, supplying over $21,000 to clients in 2016.

During the second half of 2016, CGMA’s most popular program, the Supplemental Edu‐cation Grant (SEG), increased from $350 to $500 per calendar year. The program is avail‐able to all CGMA clients and eligible dependents at all degree levels. With a competitive job market requiring further degrees and education, the SEG serves to help our clients achieve a higher education by covering costs of books and supplies. Compared with 2015, CGMA increased spending on this program by 35% in 2016, providing over $780,000 to Coast Guard clients.

Tutoring Services

In 2015, CGMA entered an agreement with Tutor.com which provides one‐on‐one tutor‐ing with a live expert online 24/7 for active duty clients, their spouses, and their depend‐ent children. The tutors are qualified to help students grades K‐12 and college with over forty subjects, plus support for resume writing and career transition issues. In 2016, CGMA covered expenses for over 5,200 tutoring and skills center sessions, costing slight‐ly over $62,000.

Service Animals Loan

CGMA offers a loan of up to $6,000 for the purchase or training of a service animal to as‐sist a client who is disabled or a member of the client’s immediate family who is disabled. Service animals may be dogs or other animals trained to the requirements of the individu‐al with a disability, including, but not limited to, mobility issues, visual impairment, hear‐ing impairment, seizures, diabetes, PTSD, autism, epilepsy, multiple sclerosis, and other physical or mental disabilities.

Emergency Pet Expenses

CGMA recently expanded assistance for costs related to emergency pet expenses. Quali‐fying circumstances include pet quarantine fees during PCS transfer, veterinary bills for emergency treatment when a pet has become injured or seriously ill, and pet lodging ex‐penses during a move, emergency evacuation or during other emergencies when a pet cannot accommodate the client during travel. Over the course of 2016, CGMA helped 14 clients with pet expenses, totaling $22,000.

Breakdown of Assistance Dollars

“Thank you for all the great work you do.“

‐

LTJG Joshua Gerry

Source of Funds

Contributions

In order to continue performing its vital role within the Coast Guard community, CGMA must rely on a steady infusion of funds from voluntary contributions. Though CGMA works closely with the Coast Guard, it is an independent non‐profit organization and re‐ceives neither appropriated nor non‐appropriated government funding.

Throughout the year, contributions are accepted from individuals and organizations. A majority of the financial support CGMA receives comes from allotment/payroll deductions from Active Duty members, Retired Military members and Civilian Employees. These al‐lotments/deductions account for almost 83.5% of the $1.88 million in donated funds for 2016.

Repayments on Loans

As the money distributed through interest‐free loans is returned to CGMA, these funds are redistributed to other Coast Guard members in need, thereby recycling contribution dollars.

Return on Investments (CGMA Portfolio)

CGMA operations are also supported by the capital generated from the investment port‐folio. With a market value of $26.5 million at the end of 2016, the portfolio allows CGMA to produce income through interest and dividends and grow capital in low‐risk invest‐ments. Ultimately this resource serves as a safety net for CGMA to maintain smooth oper‐ations.

When needs exceed operating funds, CGMA would draw upon these reserve funds. Whether during times of emergency or during the normal course of business, the portfolio provides an important safeguard to seamlessly meet client needs without requiring addi‐tional contributions.

For every dollar donated in 2016, $2.48 was issued in direct programs and assis‐tance. An additional $ .28 covered administrative and fundraising costs.

CGMA Dollars Hard at Work

With just under $1.9 million in donations in 2016, CGMA was able to provide interest free loans totaling over $4 million. An additional $974,000 in grants was given. Pro‐gram costs were $931,000, administrative costs were $389,000 and fundraising costs were only $158,000.

Statements of Financial Position

Statements of Financial Activities

years ended

Revenues, Gains, and other Support

Contributors

CGMA acknowledges with sincere appreciation the contributions generously given by the following individuals, companies and organizations throughout 2016

Corporate and Organization Contributors

of$1,000ormore

Belvoir Woods Protestant Mission Society

California Community Foundation

Dorothy M. Thayer Trust

Friends of the Alameda Free Library

Greater Dallas Military Foundation

Navy Federal Credit Union

Surfman's Trust Fund at The Boston Foundation

USCG Community Services Command

USCG Auxiliary District 1 NR

W.S. Darley and Company

Individual Contributors

of$1,000ormore

CWO Wayne Amedy, USCG (Ret)

Mr. William Boucher

RADM & Mrs. C. F. DeWolf, USCG (Ret)

CWO Richard Griffin, USCG (Ret)

RADM & Mrs. Richard Houck, USCG (Ret)

Mr. Brad Lambertsen

Mrs. Ariadna Miller

LTCOL Alfred Phillips

LCDR Ferdinand Morales, USCG (Ret)

CAPT Jospeh G. Victor, USCG (Ret)

Allotment Contributors of$1,000ormoreannually

Ms. Vanessa Bryant

Mr. Eric Bernholz

Mr. Michael Cunningham

CDR Rula Deisher

Mr. Joseph Foca

LCDR Matthew Gans

LCDR Christjan Gaudio

Mr. Brian Hall

CAPT Robert Hanley

Mr. Brian Jeanfreau

Mr. Royce Heckendorn

LCDR Jamie Koppi

LCDR Brian Meadowcroft

LT Jeffrey Mistrick

CDR Thomas Ottenwaelder

CAPT Curtiss Potter

VADM Charles Ray

Mr. William Smith

Author Royalties – Character in Action

Donald T. Phillips

ADM James M. Loy, USCG (Ret)

Memorial Contributions

received in memory of

Mr. Edward S. Brown

Mr. Gerald J. Canfield

PO2 Kenneth W. Carver, III

Mr. James R. Dachos

Mr. Gerald D. Frederick

Ms. Georgia Green

Mr. Edward J. Hargis

Mr. Joseph G. Holmes

Ms. Norma G. Hunter

Mr. Jan K. Just

Ms. Shirley S. Kasteele

Ms. Barbara L. Keating

Mr. Richard W. Kugele

MKC Edsel D. Loganville

PO3 Mr. Matthew F. Lucht

CWO4 John W. McDaniel

Mr. Edwin T. Merrill

Ms. Shirley J. Nelson

Petty Officer Ronald Penney

CDR Paul Peterson

CWO4 Jack L. Redfern, Sr.

Mr. Dale Renninger

Ms. Lucille E. Russi

PO1 William T. Shinavier

Connie & Hank Shubert

Mr. Dillard J. Tucker

Mr. Randy M. Varnum

Mrs. Rosa Vaz

Mr. Fred R. Vickers

Board of Control

CGMA BOC Officers

Chairman Admiral Paul F. Zukunft, USCG

President Rear Admiral William G. Kelly, USCG

Vice President Chief Warrant Officer John C. Baker, USCG (Ret)

Treasurer Ms. Shay Cook

Secretary/Executive Director Mr. Barry M. Boisvere

CGMA BOC Members

Commissioned Officer Commander Kevin A. Crecy, USCG

Commissioned Officer Lieutenant Commander James A. Crockett , USCG

Chief Warrant Officer

Chief Warrant Officer Frank D. Williams, USCG

Chief Warrant Officer Chief Warrant Officer Matthew G. Burtch, USCG

MCPOCG Master Chief Petty Officer CG Steven W. Cantrell, USCG

Enlisted (E‐7 or above)

Enlisted (E‐6 or below)

Enlisted (E‐6 or below)

Chief Petty Officer John M. Saxon, USCG

Petty Officer First Class David Nava, USCG

Petty Officer First Class Cary M. Jones, USCG

Reserve Lieutenant Mark M. Sanchez, USCGR

Retired Chief Warrant Officer John C. Baker, USCG (Ret)

Medical/TRICARE Specialist

Chief Warrant Officer Shannon Paul Reck, USCG

Civilian Mr. Frank G. Tatu

Auxiliary Auxiliarist Bruce A. White

Officer’s Spouse Mrs. Heather A. Lalor

Enlisted Member’s Spouse Mrs. Elizabeth Ameen

Work‐Life Specialist Ms. Shay Cook

CGMA BOC Alternates

MCPOCG Command Master Chief Leilani CaleJones, USCG

Enlisted (E‐7 or above)

Master Chief Petty Officer Mark H. Allen, USCGR (Ret)

Enlisted (E‐6 or below) Petty Officer First Class Jennifer Opal Thompson, USCG