Dear Valued Members,

As we reflect on another successful year at Copper State Credit Union, we find ourselves at a remarkable moment in history. In 2026, our nation proudly celebrates America’s 250th anniversary — 250 years of independence, resilience and the enduring spirit of opportunity that defines the United States. Here in Arizona, the Copper State, we join in that celebration as our own institution marks 75 years of dedicated service to our members and communities.

Our legacy traces back to 1951, when the foundations of what is now Copper State CU were laid through visionary credit unions that came together to better serve Arizonans. Through mergers, growth and unwavering commitment, we have evolved into the strong, member-owned financial partner you trust today. This milestone — 75 years of empowering families, supporting local dreams and building financial prosperity — is a testament to your loyalty and our shared values.

This past year has been one of strategic progress and member-focused innovation, even amid a changing economic landscape:

•    Competitive Rates for Members: We continued to prioritize your financial well-being by offering high rates on deposits to help your savings grow and low rates on loans to make borrowing more affordable. Whether for homes, vehicles or everyday needs, these rates reflect our not-for-profit mission to return value directly to you, our member-owners.
•    Digital Transformation: We invested significantly in modern technology to make banking easier and more secure. Our new and improved mobile banking app delivers a seamless experience, with enhanced features for everyday management. We also rolled out advanced card controls, giving you greater visibility and control over your debit and credit cards — including real-time alerts, instant lock/unlock options and customizable spending limits to protect your accounts along with providing peace of mind.
•    Strong Financial Growth: Our capital position strengthened notably, providing a solid foundation for future stability and growth. This growth underscores the trust you’ve placed in us and enables us to continue expanding services while maintaining the financial strength that protects your deposits.

Financial Highlights – Year Ended December 31, 2025

Copper State Credit Union remains well-capitalized and financially sound, with continued emphasis on member value, deposit growth and capital strength. Key metrics include:

 These figures highlight our focus on growth in capital — building reserves to weather economic cycles while delivering better rates and services. Deposits and assets grew meaningfully, allowing us to fund more loans at attractive rates and invest in technology upgrades. Our “well-capitalized” status (exceeding regulatory requirements) ensures your funds are secure and positions Copper State CU for sustainable future success. 

Community Impact – Strengthening Arizona Families

At Copper State Credit Union, our mission extends far beyond banking — it’s about living our “people helping people” philosophy each day. In 2025, we deepened our commitment to Arizona communities through outreach, partnerships and hands-on support, making a tangible difference for families and neighbors.

Highlights from the year include:

•    Holiday Support for Foster Families: For the 13th consecutive year, we partnered with The Foster Alliance (formerly Arizona Helping Hands) during the holiday season. Thanks to the generosity of our staff and members, we donated $8,049 and collected 338 toys to bring joy and essentials to foster children across Arizona.
•    Arizona Credit Union Week-Day of Service: We joined forces with 18 other Arizona credit unions for a collaborative Day of Service. Together, 200 volunteers contributed 500 hours to local nonprofits, including packing over 18,000 meals with Feed My Starving Children — a powerful example of what we can achieve when we unite for good.
•    Education and Youth Empowerment: As a sponsor of the Resource Fair at the 2025 Summit, we engaged directly with over 1,500 students, delivering financial education resources and raising awareness about our $5,000 higher education scholarship program, which supports graduating seniors pursuing their dreams.
•    Ongoing Giving and Engagement: Through community sponsorships, donation drives (including back-to-school supplies and support for organizations like Phoenix Rescue Mission via our Young Professionals Committee), and financial wellness initiatives, we continued to invest in the places we call home. These efforts reflect our core belief: strong communities build stronger families.

As we celebrate our 75th anniversary in 2026 — including our special Annual Meeting and Board Election on March 14 at the Phoenix Zoo — we’re excited to keep giving back and growing alongside you.

Looking ahead, we remain committed to innovation, community impact and putting members first. As America embarks on its next 250 years, Copper State CU is proud to stand alongside you — strengthening Arizona families through financial empowerment for the next 75 years and beyond.

Thank you for your membership, your trust, your partnership and your shared commitment to community. Together, we’re building a brighter financial future.

Sincerely, 

Dennis McDonald, Chair of the Board

Robb Scott, President/CEO

In 2025, Copper State CU funded more than $151 million in new loans to our members. Total loan balances increased by $6 million compared to 2024, driven primarily by growth in home equity and personal loans. Rising home and vehicle prices continue to affect affordability and borrowing demand; however, we remained focused on delivering exceptional value by offering some of the market’s lowest loan rates and fees. These efforts helped members save meaningful amounts both monthly and over the life of their loans. To further support members facing short-term liquidity needs, we introduced a new quick personal loan as an enhancement to our overdraft protection program.

Our members continue to demonstrate strong credit performance. In 2025, over 98% of loans were paying as agreed, reflecting low delinquency and charge-off levels and underscoring the financial responsibility of our membership.

Looking ahead, we plan to introduce additional loan products and services to support small businesses in early 2026. We thank our members for their continued trust and engagement in our lending programs.

Robb Scott

Credit Manager