Financial Update

Your Money is Safe, Sound and Invested in a God-Honoring Way

The Credit Union continues to outperform most of the credit union and banking industry. Our year-to-date growth in 2009 has been over $58 million or 13%. The Capital-to-Asset Ratio, as of August 31, 2009, is a healthy 8.88%. The Credit Union is considered "Well-Capitalized" and has been paying well above average dividends all year which helps members get through the recession.

We are constantly monitoring the economy, and adjusting our plans and programs accordingly to protect our members' deposits and provide for their borrowing needs. We have increased our liquidity significantly this year which provides additional protection for our members. It also paves the way for the membership’s growing borrowing needs as the economy recovers.

The Credit Union donates $50,000 to
“Growing Healthy Churches”

Caption: John T. Walling, (second from left), President/CEO of Christian Community Credit Union presents a $50,000 check to Dr. Paul D. Borden, (center) Executive Minister of Growing Healthy Churches, a church-planting ministry in San Ramon, CA. Pictured from L-R: Dr. Gary Clark (Christian Community CU Membership Development Officer), Dr. John Walling, Dr. Paul D. Borden, Dr. Patrick Pang (Director of Key Partnerships) and Dr. Robert Neill (Board Chairman, Christian Community CU).

Christian Community Credit Union donated $50,000 to Growing Healthy Churches (GHC), a ministry focused on networking, resourcing and encouraging churches in the areas of growth, health, transformation and church planting. The contribution will go toward GHC’s initiative to establish 150 new churches in the United States and 100 new churches in Latin America by 2012. For the next three years, the Credit Union committed to give $50,000 each year for a total donation of $150,000.

"We are excited to partner with GHC in their efforts to establish new churches and help build God’s Kingdom,” said John T. Walling, Christian Community Credit Union President/CEO. “This is an opportunity for us to demonstrate the “people helping people” philosophy of the credit union movement,” Walling adds. The donation is based on members’ participation in the Credit Union’s “Cards that Give to Missions” program.

"We are deeply grateful to Christian Community Credit Union for their support of all that God is doing in planting new congregations in the US and Latin America” stated Dr. Paul D. Borden, GHC Executive Minister. “We look forward to strengthening our partnership and providing financial solutions to pastors and their churches.

The Cards that Give to Missions

2009 Donation Goal: $240,000

Amount raised as of September 2009: $180,000

Apply for “The Card that Gives to Missions” today!
Call 800.347.CCCU or visit myCCCU.com/cards.

Now Accepting Nominations

The Nominating Committee is accepting nominations for three positions on the Board of Directors and one position on the Supervisory Committee for 2010. Members interested in running for one of the positions may submit their names for consideration.

Applications must be submitted to the Nominating Committee by November 16, 2009 and should be sent by certified mail along with a return-receipt request to: Nominating Committee Chairman, Christian Community Credit Union, P.O. Box 9001 San Dimas, CA 91773. The Nominating Committee will select qualified nominees by November 19, 2009.

Nominations can also be submitted by petition and should include a request to be placed on the ballot and the petition signed by at least 100 members. A candidate must give written consent to the nomination. The nomination by petition must be submitted to Christian Community Credit Union by December 4, 2009.

For a nomination application, please call 800.347.CCCU, ext. 6210.

Your Money Making a Difference in
God’s Kingdom

West Hills Baptist Church, Los Angeles, CA

The money you deposit into your accounts helps provide affordable financing to churches for building or expanding worship facilities or purchasing property. These loans make it possible for them to better serve their members and communities. Your deposits at the Credit Union make it possible for us to fund these Kingdom-building projects:

Stockton Baptist Church, Stockton, CA — Refinance
Fresh Start Temple, Jacksonville, FL— Refinance
Canyon Christian Fellowship, Azusa, CA — Renovation, repairs and new air conditioning
West Hills Baptist Church, Los Angeles, CA — Construction of new offices, classrooms and fellowship hall

“Christian Community Credit Union has always provided ABCLA with excellent service and the most competitive interest rates on accounts and loans. After all, it isn’t just any credit union. It’s Christian Community Credit Union, working to build God’s Kingdom.” Walter J. Clarke, President, American Baptist Churches of Los Angeles, CA

“I’m always aware that Christian Community Credit Union has the best interest of our ministry in mind. I found the Credit Union staff to be extremely efficient, helpful and patient in coordinating our loan. I’m grateful for the partnership we’ve had over the years and for the long relationship I’ve had with the same staff.”
Pamela Breen, Administrator, Growing Healthy Churches, San Ramon, CA

Money Matters from the Word

“Do not wear yourself out to get rich; have the wisdom to show restraint. Cast but a glance at riches, and they are gone, for they will surely sprout wings and fly off to the sky like an eagle.”
Proverbs 23:4-5 (NIV)

Points for Missions

Beginning November 1, 2009, you’ll be able to donate your CURewards points to missions and projects.
Details to follow.

Make your Credit Union Platinum Rewards Credit Cards your card of choice!

The Time and Place to Prepare for Retirement is Here and Now

Get ready for retirement with Plan It^TM: Retire Ready Toolkit. It’s a free online resource that can help you plan for—and achieve—retirement security. Access articles, listen to audio clips, run “what if” financial longevity scenarios.

• Create a personal profile
• Print personalized charts
• Track your own retirement savings
• Make retirement to-do lists

Let Plan ItTM help improve your financial future today! Visit myCCCU.com/stewardship.

Benefits of Membership

BalanceTrack: A Personal Finance Education Center, Financial Counseling

Christian Community Credit Union is dedicated to helping you realize your financial goals, which is why we’re excited to inform you about a special benefit of membership: BalanceTrack, an online personal finance education center—balancepro.net/partners/cccu.

BalanceTrack lets you explore all of the essential elements of personal finance. Each of the learning modules is interactive with links to helpful resources and has a quiz to test your knowledge of the subject.

In addition to BalanceTrack, you also have access to free, unbiased money management information and financial counseling. Simply call our partner, BALANCE, at 888.456.2227. A certified financial counselor can answer many of your questions immediately—from how long an item stays on your credit report to whether it's better to lease or buy a car. For more complex issues, such as debt elimination or budget development, an appointment will be scheduled—giving you the personal attention you need to meet your objectives. If bills have gotten out of hand, your counselor may be able to arrange a Debt Management Plan in which your creditors may reduce interest and fees so you can pay your debt quickly and efficiently.

Visit balancepro.net/partners/cccu or call 888.456.2227.

APY=Annual Percentage Yield | APR=Annual Percentage Rate