2012 - Xceed Financial Credit Union

Federally Insured by NCUA
The progressive way Xceed Financial operates makes me proud of our credit union.
a message from the board chair
Many of us will look back on
institution, dedicated to serving members. We want
2012 as the year that we all
to make loans. But we also want to make sure that
began to turn the corner. The
borrowers have the wherewithal to pay back the credit
economy started to show signs
union – their fellow members.
of life, giving encouragement of
better times ahead. But many
That’s the way it’s always been with Xceed Financial.
of the country’s largest financial
And it mirrors how many of us manage our personal
institutions continued to pull
finances, doesn’t it? Partnering with a credit union that
back, frustrating the hopes of consumers and small
delivers a personal banking experience that’s second
businesses hoping to grow. Contrasting that to the
to none, we’re able to build a strong foundation from
progressive way Xceed Financial has operated makes me
which to launch an array of dreams … dreams as
proud of our credit union. Last year was definitely one in
diverse as our large and growing membership!
which Xceed Financial showed that it is the Way to Bank!
On behalf of your volunteer Board of Directors, I want
When others seemed intent on denying loans, even to
to thank you for your membership and for your trust
those with solid payment histories, your credit union
in our stewardship of Xceed Financial Credit Union.
actively worked to help members realize their dreams.
This was possible not because Xceed’s standards are
Roni Crichton
lower, but because ours is a healthy financial
Board Chair
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We’re privileged to deliver personal attention and expert advice to
help you realize your dreams and achieve your financial goals.
a message from the president & chief executive
Our motto is At Work For You… So, what
At the same time, more and more entrepreneurs turned to us for
were we working on in 2012? The things
small business loans and business banking services. They found
our members and employer groups tell
our business bankers offer some pretty shrewd advice, as well as
us matter most—service, convenience,
service the big guys can’t match!
access, value—and everything else
we can think of to make it possible for
With all of these investments and growth, Xceed Financial remains
members to do their banking whenever,
a rock solid financial institution. A credit union is considered well
wherever and however they like.
capitalized if its net worth ratio is at least 7.00%. We blew way
past that, ending 2012 at 9.44%... at the same time we logged
We’ve led our industry with technology to enable conveniences like
$164 million in loans.
sending money by email and text with uTransfer, check deposits
by smart phone with Xceed Mobile Deposit, and continuous
We enter 2013 as a very healthy financial institution, well-
upgrades to Xceed Online banking.
positioned to welcome many more employer groups and
members, and excited about delivering the personal banking
We also lived up to our not-for-profit mission, offering financial
experience to each member.
education and making investment services available to all
members—not just the well-heeled.
It is truly our honor to be your financial partner. As you read
about some of our priorities and activities during 2012, I hope
It’s no surprise that we’ve attracted some attention. Near the
you agree that Xceed Financial is definitely the Way to Bank!
end of the year, we joined forces with Safeway Los Angeles
Federal Credit Union, increasing our membership by almost
Teresa Y. Freeborn
20% and expanding our footprint in Southern California.
President & Chief Executive
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Xceed Financial Credit Union and its assets remain financially sound and secure.
supervisory committee report
The Supervisory Committee, a group of appointed
volunteers, is primarily responsible for overseeing the
overall safety and soundness of Xceed Financial, as
well as the credit union’s adherence to operating
policies and procedures. Each year, we reaffirm our
commitment to ensuring that your credit union is
financially stable and maintains the highest member
service standards possible.
The Supervisory Committee annually ensures that a number of on-site audits of
Financial Centers and other areas of the credit union are done. Included in that
is a review of member account records to verify their accuracy. The Supervisory
Committee also oversees the audit performed by our independent auditing firm,
Moss Adams LLP, Certified Public Accountants. As a result of these combined
efforts, I am proud to report that Xceed Financial Credit Union and its assets
remain financially sound and secure.
Gretchen Valentine
Supervisory Committee Chair
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In 2012, we welcomed 18 new companies to the Xceed Financial family,
boosting the value of their employee benefit packages.
way to partner with employers!
Since we’re a workplace credit union, Xceed Financial is a little different—actually, a lot different—from other
financial institutions. We’re totally focused on delivering an outstanding personal banking experience to the
people who work at our select employer groups. Check out a few of the dozens of activities and events we
organized last year to support our employer groups.
Ambassador Program
Long-Time Partnerships
We kicked off 2012 by inviting more employer
We’re so proud of our relationships with all of Xerox’s
representatives to participate in our Ambassador
diversity groups! In 2012, our support included sponsoring
Program. Giving their candid feedback and suggestions,
and attending numerous events, and hosting workshops
Ambassadors help us develop personalized deals,
on personal finance.
programs, and promotions that focus on their
employees’ specific needs and interests.
Xerox Business Services, Ice Cream and Wildcats
In mid-April, Lexington, Kentucky was abuzz with the
Welcome Robex!
NCAA finals. Sporting Wildcat jerseys, Numbers Guy and
When the Builder’s Exchange of Rochester joined
the Xceed team served up ice cream, financial information,
the family, we organized a warm welcome that included
special offers and a sweepstakes to associates at three
onsite events, a sweepstakes, and special deals
locations. Could the ensuing NCAA championship have
on checking and loans.
been mere coincidence?
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Employers counted on us to create fun and engaging ways to help employees shape up their financial lives.
way to get fiscally fit!
iXceed Fiscal Fitness Challenges
In 2011, we developed a fun and creative program with Realogy—
the iXceed Fiscal Fitness Challenge—that gave employees an
opportunity to compete to win a cash grand prize… just for getting
their finances in order! It was such a hit that we launched speciallycustomized versions for TRG, Wyndham Worldwide and The
Women’s Alliance. These online Challenges helped members
pay down debt and increase savings, as they learned about
Erin Devera is especially grateful for
all she learned about the benefits of a
consolidation loan for her credit card
debt, how to make better spending
decisions, and how to improve her credit
score. She said: “Through the changes
I made from Xceed’s seminars, I have
reduced my debt, reduced my monthly expenses, increased my
savings, and improved my credit score by 20 points already!”
personal finance via webinars on topics like creating a budget,
and the psychology of spending.
And the winner is…
Who knew that reducing debt, boosting savings, and learning
about personal finance could be so much fun? But according to
TRG employees Erin Devera and Ived Young—both grand prize
winners in the iXceed Fiscal Fitness Challenge—competing in
the Challenge did more than shape up their financial lives. It
also offered engaging lessons in personal finance that gave
them the financial breathing room to have some fun.
For Ived Young, who signed up to
participate in the Challenge the same
day she joined Xceed Financial and
opened her share savings and checking
accounts, the $1,000 grand prize
came at the perfect time. Young had
borrowed just that amount from a friend
when she was going through difficult times a year earlier—winning
the prize enabled her to pay back her friend, at the same time she
learned to manage and control her expenses.
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Smartphone. Tablet. Laptop. Desktop. However they choose to connect with us,
Xceed Financial members have spoken: banking on the go, is the way to go.
way to rock technology!
Your Xceed Personal Banker loves seeing you in the Financial Center and serving your needs over the
phone, but we don’t get our feelings hurt when you use your device for transactions. We do it, too!
Xceed Online
Xceed Online is all about enabling you to do your banking
whenever, wherever, and however you like. It’s a
collaboration—you tell us what you like, and we make
it happen. In October, we rolled-out a sleeker, more
intuitive interface… just like you asked us to!
uTransfer
Xceed Financial pioneered the technology that allows
members to send and receive money by email or text
message, and in 2012, uTransfer really came into its own.
Ease, convenience and security came together and led to an
88% increase in the number of members using the service.
Xceed Mobile
This was also the year that members embraced Xceed
Mobile Banking like never before, as the number of
active users of Xceed Mobile shot up by 64%.
Online Mortgage Applications
With the all-new online mortgage application system we launched
in 2012, it’s easier than ever to apply for a home loan. Apply day
or night, and you may be approved in a matter of minutes!
eStatements
As more members are enjoying the convenience of 24/7 banking
online and with their mobile devices, they’re also ditching paper
statements in favor of eco-friendly eStatements. More than
2,000 members made the switch in 2012, and virtually all
new members choose eStatements!
Security
Every technology advance brings new threats from fraudsters and
mischief-makers. But you can rest easy knowing that we don’t!
Our robust security measures safeguard your money and exceed
standards set by the National Credit Union Association.
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We’re committed to educating our members on financial issues to help make
them better budgeters, smarter savers and prudent investors.
way to invest!
Everybody needs a plan. We make the smart kinds.
Whether they’re investing for retirement, college funding, their own business, or something else entirely, Xceed’s experienced Financial
Consultants help our members with the big decisions and small details. We offer access to a full range of quality investments1 and
insurance products2, such as mutual funds, stocks, annuities, and life insurance. After all, we’re here to help you realize your dreams!
Putting Members First
College Financing 101
This year, we helped a record number of members grow their
With the high cost of college and crippling student debt very much in the
wealth. Members new to investing especially love working with
news lately, we took the initiative to tackle this important topic. Parents
us, because we believe that everyone—not just Wall Street
and members thinking of going back to school learned how to navigate
honchos—can achieve financial success. And of course, we
the sometimes-tricky college financing landscape.
were also there for members who already have a portfolio
and wanted a second opinion.
Mind Over Money
In 2012 we launched Mind Over Money, a monthly newsletter with
timely articles personally selected by our Financial Consultants.
To educate members and help them prepare for life’s
milestones, our Investment Services group also led numerous
seminars and workshops. Here’s a sample of the topics:
Estate Planning
Everyone needs a plan to ensure that their wishes for family and finances
are carried out, so this seminar covered the basics of wills and trusts,
powers of attorney, nominating guardians/trustees and estate taxes.
1 Securities, Financial Planning & Insurance products offered through LPL Financial and its affiliates, Member
FINRA/SIPC. Investment and Insurance products are not credit union deposits, are not insured by the NCUA
or any federal government agency, are not obligations of or guaranteed by a bank, credit union, or LPL
Financial, and are subject to investment risks, including possible loss of principal amount invested. Xceed
Financial Federal Credit Union is not a registered broker/dealer and is not affiliated with LPL Financial.
2 Xceed Financial does not assume responsibility for, nor does it control, endorse, or guarantee
information, products, services, and recommendations provided by third parties. Terms and conditions
are subject to change at any time.
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On average, consumers save $200 each year just by being credit union members.
way to pump up the value!
It’s your money, and we never forget it.
Members tell us all the time that the value they get from their Xceed Financial membership is a major reason
they make us their primary financial institution. So this past year we dreamed up a bundle of new products,
programs and promotions to give members more for their money. Here are some of our favorites.
Auto Loans as low as 1.99% APR
Escape to the Tropics Sweepstakes
The rates we offered in auto loans in 2012 weren’t just
With the ability to make purchases worldwide, and
historically low for Xceed Financial, they were historically
access to cash at 80,000 surcharge-free ATMs, the
low. Period. With most financial institutions’ best rates
Xceed Visa® check card is one convenient piece of
bottoming out around 25% higher, our members hit the
plastic to have in your wallet. In 2012, we made it
road with way lower payments on both new purchases
even more rewarding with our Escape to the Tropics
and refinances.
sweepstakes. For three months during the summer,
each time members used their card, they were
Killer Rates on Share Certificates
entered to win airfare, hotel, and spending money
Of course, with interest rates at rock bottom, it’s tough
toward a trip to Hawaii. Aloha!
to get a good return on your money, so this past year
we offered members a couple of awesome deals—a
9-month certificate with a super competitive rate of
1% APY and a 19-month certificate at an unheard
of rate of 1.25% APY. WOW!
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When the economy got tough, we got tougher. Banking on our members
and their dreams, we helped grow businesses and create jobs.
way to cooperate!
The United Nations designated 2012 as the Year of the Cooperative!
We were thrilled when the United Nations designated 2012 as the Year of the Cooperative. As not-for-profit financial cooperatives,
credit unions were recognized for helping to drive the economy, respond to social change, and create jobs in all sectors.
Create Miracles with Your Card
Experience the Frontline
In the “people helping people” spirit of credit unions, we spearheaded
Every Xceed Financial member can select their very own
a fundraiser for Children’s Miracle Network Hospitals that we called
Personal Banker at no cost to help them with all things
Create Miracles with Your Card. We and four other local credit unions
financial. Whether saving for a new house, paying off debt, or
donated 25 cents for every transaction members made with their
simply need help with an existing account, Xceed Personal
debit or credit cards on International Credit Union Day, October 18.
Bankers are dedicated to serving members. No sales pitches,
Together we contributed $34,295, representing 137,181 transactions!
just good old-fashioned service with a modern twist.
Merging with Safeway LAFCU
Near the end of the year, we joined forces with Safeway Los Angeles
Federal Credit Union, another employer-focused credit union,
increasing our membership by almost 20% and expanding our
footprint in Southern California. We’re excited about this opportunity
to bring personal banking and a comprehensive lineup of financial
But for every Personal Banker, there are dozens of Xceed
associates working behind the scenes to ensure members
receive outstanding service. To help keep all of us in touch
with you and your concerns, in 2012 we gave associates at
all levels of the credit union the opportunity to work the
frontline in a Financial Center. So, how did we do?
products to thousands more members!
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Xceed Financial provides the stepping stone to higher education.
way to participate!
The 2012 Romeo Doty Scholarships
Our longest-serving board member, Romeo Doty, believed in making higher education accessible for all. Over the summer, his
vision touched the lives of ten high school seniors, Xceed Financial members who each received $1,000 Romeo Doty Scholarships.
Sloane Ansell, New Tech High, Coppell, TX
Kyle Ferguson, El Toro High School, Lake Forest, CA
Lindcy Gardner, Westlake Academy, Westlake, TX
Samantha Hord, Charleston County School of the Arts, Charleston, SC
Kerry Huang, Webster Schroeder, Webster, NY
Vanessa Magula, Bishop Montgomery High School, Torrance, CA
Kylie Reiber, Wayne Central, Ontario Center, NY
Sydney Robertson, Westlake High School, Austin, TX
Kathryn Ruffolo, Middlesex School, Concord, MA
Katherine Stone, West Aurora High School, Aurora, IL
Pictured above: Vanessa Magula (left) receives her
scholarship award from Xceed Financial’s Senior
Vice President, Kathryn Davis (right).
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Financials
CONSOLIDATED STATEMENT OF INCOME
As of December 31, 2012
CONSOLIDATED STATEMENT OF FINANCIAL CONDITION
As of December 31, 2012
INTEREST INCOME
Total Interest on Loans
Total Interest on Investments
2012
$32,138,812
763,872
TOTAL INTEREST INCOME
$32,902,683
INTEREST EXPENSE
Total Dividends on Member Savings
Other Interest Expense
$4,032,666
1,164,641
TOTAL INTEREST EXPENSE
$5,197,307
NET INTEREST INCOME
PROVISION FOR LOAN LOSSES
$27,705,376
$261,371
NET INTEREST INCOME AFTER PROVISION
$27,444,005
NON-INTEREST INCOME
Fee Income
Other Income
$4,180,215
2,827,022
TOTAL NON-INTEREST INCOME
$7,007,237
NON-INTEREST EXPENSE
Salaries and Benefits
Other Expenses
TOTAL NON-INTEREST EXPENSE
Total Non-Operating Income/(Expense)
NET INCOME
NCUA & Stabilization Expenses
Net Income of NCUA & Stabilization Expenses
ASSETS
Net Loans
Cash
Total Investments
Other Assets
2012
$640,181,156
49,125,303
39,470,149
66,100,650
TOTAL ASSETS
$794,877,258
LIABILITIES & MEMBERS’ EQUITY
LIABILITIES
Notes Payable
Other Liabilities
$58,000,000
7,552,903
TOTAL LIABILITIES
$65,552,903
MEMBERS’ EQUITY
Member Savings
Non-Member Savings
TOTAL SAVINGS
NET EQUITY
TOTAL LIABILITIES & EQUITY
$17,588,291
17,023,045
$34,611,336
2,343,098
$1,560,501
622,503
$651,795,547
–
651,795,547
77,528,808
$794,877,258
For the independent auditor’s report and opinion,
please visit our website at www.xfcu.org or
contact us at 800.XFCU.222.
Federally insured by NCUA
2,183,004
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Leadership
Board of
Directors
Roni Crichton
Dennis Ruffner
Raleigh Steinbach
Dea Benson
John Buttrill
Kirsten Hotchkiss
Fred Lapointe
Judy Novak
Heather Smith
Megan Swatek
Teresa Y. Freeborn
Kathryn Davis
Mary Roberts
Nicole Valentin-Smith
Len Parker
Gretchen Valentine
Volunteers
Executive
Management
Team
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Officers & Directors
Leadership
Committees
Board of Directors
Executive Management Team
Roni Crichton, Chair
Dennis Ruffner, Vice Chair
Raleigh Steinbach, Secretary
Dea Benson
John Buttrill
Len Parker
Gretchen Valentine
Teresa Y. Freeborn, President & Chief Executive
Kathryn Davis, Senior Vice President
Mary Roberts, Senior Vice President & Chief Financial Officer
Nicole Valentin-Smith, Senior Vice President
Executive Committee
Nominating Committee
Roni Crichton, Chair
Dennis Ruffner, Vice Chair
Raleigh Steinbach, Secretary
Dennis Ruffner, Chair
Roni Crichton
Gretchen Valentine
Supervisory Committee
Finance & Investment Committee
Gretchen Valentine, Chair
Kirsten Hotchkiss
Fred Lapointe
Heather Smith
Megan Swatek
John Buttrill, Chair
Dea Benson
Judy Novak
Len Parker
Raleigh Steinbach
Other Volunteers
Kirsten Hotchkiss
Fred Lapointe
Judy Novak
Heather Smith
Megan Swatek
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Select Employer Groups • 3-V Fasteners, Inc. • A & A Ready Mix Concrete • AA Equip. Rental • Ability Pathways • Accurate Engineering • ACE USA • ACS-Xerox • ADD Distribution, Inc. • Adecco,
Rochester, NY • Advance High-Tech Corporation (AHT) • Advantage Human Resourcing • Aero Wheel and Brake Service • AHC Pharmacal/Clinical Formula • Air Tahiti Nui • Airport Center Family
Dental Office • Airport Suzuki • Airpot Corporation • Ajilon (Rochester only) • AKA International, Inc. • All Transport Packing • Alliance Precision Plastics • Allied Solutions • AllState • Allworx • Alpha
Genesis Home Care, Inc. • Ambassador Home Health (Genisis Home Care) • American Benefit Planners • Ametek Power Instruments • Amtech Elevator • Any Laminating • Aramark CorporationXerox Sites • Arnel Compressor • Arnold Magnetic Technologies • Arthur J. Rogers & Co. • Assoc. Soils Engineering • Associated Health Professionals, Inc. • Automation Design & Engineering
Aviation Fuel Systems Repair, Inc. • Avis/Budget Group - CA • Avis/Budget Group - NJ • Avnet, Inc. • Bacons Information • Barkley Court Reporters • Bell Industries, Inc. • Betson West • Better
Beverages • Big D Floor Supplies • Bison Engineering • Blaine Convention • BMS Cook Drafting (Eeco owned) • Boulter Rigging Corp. • Brentwood Nursing & Rehab • Broccolo Tree & Lawn Care
Bryant & Stratton College • Buffalo Zoo • Burke Industries (now Kirkhill- TA) • California Closets • California Orthopaedic Lab • California Tool & Welding Supply • California United Terminals
Canfield & Tack, Inc. • Caremax RM Corporation • Carrollton, Texas Community • Cascade Turf dba AA Equipment • Catalina Carpet Mills/Catalina Home • Catholic Family Center • C-Brite Metal
CDI Corporation - Northeast • Cee Bailey's Aircraft Plastics • Cemak Trucking • Centinela Hospital Medical Center • Central Kia of Irving • Central Kia of Lewisville • Ceritified Smoked Fish • CertiFresh Foods, Inc. • Charter Partners • China Airlines Multi-Tenant Air Cargo Facility • CIBER, Rochester, NY • Colonial Manor • Comforce Information Tech • Community Extended Care • Community
Market • Computer Aid, Inc. • Concourse Concession, Inc. • Condominium Mgmt Services, Inc. • Condor Electronics Corporation • Connors-Haas, Inc. • Consolidators International • Cooke Center
for Learning & Development • Costco Wholesale - Norwalk • Costco Wholesale - Hawthorne • Costco Wholesale - Marina del Rey • Covert Iron Works • CPA Payroll, Inc. • Croop-LaFrance, Inc.
Culver City Chamber of Commerce • D & D Equipment Rental • Dallas, Texas Community • Dartnell Enterprises, Inc. • Davidson, Fink, Cook, Kelly & Galbraith, LLP • Davie Kaplan, CPA, P.C.
Decision One • Del Rio Sanitarium, Inc. • Department of Motor Vehicles, Driver Safety • Desser Tire & Rubber Co., Inc. • Disabled Veterans Charities • Distinctive Industries • DoubleTree Hotel Los
Angeles Int'l Airport • Dynaflex • Dynalab Corp. • EECO, Inc. • Enterprise Rent A Car (NY) • Eppink of California • Equant • Executive Office Concepts • Express Employment Professionals • F & E
Aircraft Maintenance • Fairport Baptist Home • Faith Missions Crisis Rehab Center • Federation of Catholic Teachers, Local 153 • Fiore Stone (formerly Al's Garden Art) • Foreign Trade Association
of California • Franklin Glass Corp. • Friends of the Webster Public Library • FSH Delivery Service, Inc. • Fuji Xerox • G & F Roof Supply, Inc. • Gardenview Care Center • Gardner Asphalt Products
Genesis Home Care, Inc. • Gillette Machine & Tool Co., Inc. • Global Imaging Systems, Inc. • Glovia International • Gold Coast Appraisals • Golden Bounty • Gordon Painting Co., Inc. • Greater
Ridgewood Youth Council • Greenwood Uniforms • Guesthouse Hotel (formerly Ramada Inn) • Guidemark, Inc. • Gupta Technologies • H & M Brokerage • Hacienda Hotel • Halmar AMB Cargo Ctr,
Multi-Tenant Cargo Facility • Hampton Inn Rochester North • Hankyu International Transfer (USA), Inc. • Hawaiian Gardens Casino • Hawk Industries • Hazlow Electronics, Inc. • Heal The Bay
Health First Medical • Heather Heights of Pittsford, Inc. • Hemisphere Management • Heraeus Metal Processing, Inc. • Herberle Disposal Service, Inc. • HITCO Carbon Composites, Inc. • Hollywood
Beautification Team • Horizon Solutions • Hoselton Auto Mall • Hyatt Regency Rochester • Ignited • 3Impco Technologies • Inference Corporation • Innovative Solutions • Intercommunity Child
Guidance • Irving, Texas Community • Isaac Heating & Air Conditioning • J. G. Haddy Sales Co, Inc. • J. L. Cooper Electronics • J. Roberts Scott, Inc. • Jenco Platin • Jewish Home of Rochester
Johnson Controls, Inc. • Juanita's Foods • Kadima Security Systems • Kaiser Aluminum • Kerlan-Jobe Orthopaedic Clinic • Keystone Insurers Group, Inc. • Lakewood Gardens • Larson Gangloff
& Larson • Law Offices of Richard Kroll • Lawrence Roll-Up Doors, Inc. • Learning Tree International • Lee Pharmaceuticals • Leo J. Roth Corporation • Lewisville Mitsubishi • Lewisville, Texas
Community • Light Fabrications • Lockton Insurance Brokers, LLC • Lodge at Woodcliff • Longwood Management • Longwood Mgmt Conv. Hosp. • M I Socal Retail Corp • Maney Aircraft
Manpower • Marsh Corporation • Masline Electronics • Medical Motor Service • Meikle Automation • Mercury Print Productions, Inc. • Meruelo Enterprises, Inc. • Mid-City Mailing Services Corp
Milbank Real Estate • Miracle Detail • Moe's Southwest Grill of Rochester/Buffalo • Money Wise Mortgage Co. • Monroe Veterinary Associates • Montclair Yamaha • Myers Pest & Termite Services,
Inc. • Navcom Defense Electornics • Neato Robotics • NESCO Resource/Lehigh Design • New York Racing Association • Newport Exterminating • NHA (National Healthcareer Association) • Nippon
Express Inc. • Noosh Inc. • Nordon Tool & Mold Inc. • North American Airlines • North American Health Care, Inc • Norwalk Power Equipment Co. • Nothnagle Realtors • Oak Crest Institute of
Science • OfficeMax • P & R Industries, Inc. • Pacific Piston Ring Co. • Palm Terrace • Paper Mart • Paradigm Engineering • PDP/Electro Source • Penske Cadillac Hummer, Torrance, CA
Peterson Spinning & Stamping • PGP Industries, Inc. • Phillips Industries • Phoenix Enterprises, Inc. • Phoenix PDQ • Pioneer Americas, Inc • Platinum Healthcare Staffing, Inc. • Playgrounds Plus
Polar Air Cargo • Postler & Jaeckle Corp. • Power Nissan Torrance • Praxair • Precision Dialing Services • Precision Metal Finishing • Preferred Personnel Serv. • Process Fab, Inc (PFI) • Property
Tax Assistance • Pulsafeeder, Inc. • Q-Tech Corporation • Quaker City Plating • Quality Foam Packaging • Quiznos • Radisson Hotel LAX • Radisson Hotel Los Angeles, Westside • Ramada Inn Norwalk • Ramada Plaza Hotel, El Segundo, CA • Ramona Care Center • Raycom Data Technologies, Inc. • Realogy • Rene Isip Toyota of Lewisville • RETRAN • Rochester Davis-Fetch Corporation
Rochester, New York Community • Rochester Riverside Convention Center • Rochester Yacht Club • Rogers Associates Machine Tool Corporation • Rohrback Cosasco Systems • Romac Supply
Rosemont, Illinois Community • Ross Swiss Dairies • RP Fedder Corporation • S. R. Comerford Constructors • Safeway • San Gabriel Convalesc. Cent. • Sango America, Inc. • Santa Fe Auto Sales
Santa Fe Spgs Chamber • SD & A Teleservices, Inc. • Securitas (Formerly Pinkerton - Rochester) • Securitas (Formerly Pinkerton Security) • Security Aviation • Seneca Park Zoo Society (SPZS)
Sharp Edgez Barber Institute • Sierra Systems Group (Los Angeles County) • SIGMA Marketing Group • Signature Escrow • Silicon Valley Community Foundation • Sir Speedy Printing • Sizzler
USA, Inc. • Sodexho Health Care Services (at Centinela Freeman) • Sol-Effect Enterprises, Inc. • Sousa Court Reporters • South Bay Center for Counseling • Southland Payroll • Southwest Kia
Southwest Offset Printing • Specialty Doors • Spectra Services Inc. • Spinergy • St. Ann's Community • St. Joseph Catholic Church • St. Joseph's Villa of Rochester • St. Petersburg, Florida
Community • Standard Data Corporation • Stanford MU Corporation • Steven Label • Stokes, Visca, & Company • Suddath Relocation Systems • Sunbridge Downey • Superior Alliance Elevator
Corp • Superior Tech Resources/Superior Staffing • Swedish Auto Service • Sylvan Learning Center • Systems Transport • Tanksley Group Inc. • Tapecon Inc. • Team Manufacturing, Inc.
Technisource • Temple Inland Paper Board & Packaging • Tension Member Technology • Texas Nissan of Grapevine • The Bus Service Center • The COMDYN Group, Inc. • The Friendly Home
The Pike Company, Inc. • The Queen Mary • The Raytec Group • The Whole Child • Thistle Roller Company • Thomas Management • Time Warner Cable • Total Equipment Rental • Training &
Research Founda. • Trans Group Express • Transport Drivers, Inc • Travelodge Hotel • Travelport • Tree Musketeers • Trico Converting • Trident Precision Manufacturing, Inc. • Trojan Professional
Services • Tru2Form Collision Repair Centers • Tru-Form Tool & Mfg. Ind. • Tucker Printers • Turnkey Construction Solutions • Ultrafab • Unified Health Care Products • United Industrial Workers
(UIW) Union Members • Univar (Van Waters & Rodgers) • Val-U-Tech • Velocity Service Networks • Vescio Threading • Villa Health Care • Vintage Cerritos (formerly Avalon at Cerritos) • Vision Express
Vivitar Corporation • Vivitar Security Systems • VOPAK USA • Web Title Agency • WebLife Media, LLC • West Coast Escrow • Westside Children's Center • Weyerhaeuser • Whitenack Consulting,
Inc. • WXXI Public Broadcasting Council • Wyndham Worldwide • Xerox • Xerox Capital Services • Xerox Sales Agents/Owners • Young & Company, CPAs LLP • Zee Medical • Zeller Corporation
800.XFCU.222 • xfcu.org
Corporate Headquarters 888 N. Nash Street, El Segundo, CA 90245 • Regional Headquarters 3330 Monroe Avenue, Rochester, NY 14618