As we grow and welcome new members, some may wonder why we have the name “Self-Help.” It’s really very simple: we create economic opportunity to help communities help themselves. Last year we made great progress in a number of areas:

• Provided fair and affordable financial services to more than100,000 members
• Extended our reach with mergers in California and North Carolina
• Helped a record number of families buy homes
• Continued the fight against predatory lending, including payday loans and abuses in auto sales
• Lent $125 million to small businesses and projects to strengthen communities
• Invested in affordable housing and downtown development

We can’t completely eliminate poverty in the communities we serve, but we know that low-wealth communities are rich in energy and determination. Our work is to tap into that energy through investments and services that pay off for everyone. Thank you for joining us and making progress possible.

Sincerely,