Since 1935, the people of northeast Indiana have trusted us with their financial hopes and dreams. As the area’s largest and most successful credit union, we have a long history of high ethical standards, conservative management practices, and service to our communities. At Three Rivers, we don’t win unless our member-owners win, too. It’s a simple, honest philosophy that’s kept us going strong through good times and bad. And even now, it’s why we can say with confidence, “Smile, it’s business as usual” at Three Rivers.     At Three Rivers, we’re in good financial shape because we didn’t make foolish investments in the first place. We have no sub-prime mortgages, no interest-only mortgages, no investments in exotic derivatives, and no loans to speculative real estate development projects in Florida, Arizona, Nevada, or anywhere else. We loan only to members in the communities we know and serve. Because of this, our delinquencies are a fraction of the national averages.     Three Rivers is extremely well capitalized to weather any foreseeable storm. Capital is the primary measure of safety and soundness, and we have nearly twice the level of capital required to be considered “extremely well capitalized” by federal regulators. Also, our capital consists solely of retained earnings, while banks’ capital includes the market value of the stock it has issued, which, as we have recently seen, can fluctuate wildly in value.     Deposits are safe at Three Rivers — with both federal and private supplemental insurance coverage. Our deposits are federally insured by NCUA (to $250,000 per qualifying account) and backed by the full faith and credit of the U.S. government, just like FDIC. But unlike banks and thrifts insured by FDIC, credit unions have never cost the taxpayer a single dollar due to failures in the industry. We also have additional private deposit insurance that covers up to an additional $250,000 per qualifying account.     At Three Rivers, we continue to grow and produce solid results. Earnings for the year to date are at $2.4 million, and assets now exceed $500 million. Over the last 12 months, loans have grown by $29 million, shares by $35 million, and assets by more than $48 million. Yes, we are continuing to prudently loan money — there is no “credit crunch” at Three Rivers!