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Happy Florida winter or fall as we call it in the Midwest! Wow! What a year it has been. I am excited to be here and winding down the year with such an awesome group of individuals who all share in the dedication to do what is right for our members, our community, and each other. It has been a whirlwind of changes as we truly begin to Drive Forward Momentum. Our internal operations, the look/ feel of our sales and service centers, our internal systems, and so much more will all continue to be under a microscope for dissection as we reinvest to keep SCCU happy and healthy for the next 90 years. As your Chief Operating Officer, I oversee the functions of our retail network, call center, facilities, and mortgage lending. I assure you these areas keep me busy