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Throughout 2025, we were intensely focused on delivering our mission: to Reach, Serve and Teach our members with excellence as we honor Christ in all we do. This year was shaped by our commitment to move forward in our reach while standing steadfast in faith. Your credit union continued to operate as a well-capitalized, safe, and mission-anchored institution, stewarding resources wisely and supporting Kingdom work across the nation.
Our path over the past three years prepared us for this moment. In 2022, we invested deeply in infrastructure, product development, and digital capabilities to strengthen service. In 2023, we expanded deposits, conventional lending, and impact financing such as medical and adoption loans. In 2024, we achieved industry leading growth in loans, deposits, and membership; strengthened partnerships; and launched new products that provided meaningful value to families.
In 2025, we continued building on that momentum, focusing on clarity in goal-setting and faithful stewardship. We advanced our service to ministries, equipped families with stronger financial tools, supported communities grounded in Christian care, and positioned the organization for long-term strength.
Stronger Christian Ministries
Our ministry lending continued to grow, supporting churches and Christian nonprofits seeking to expand worship spaces, develop educational initiatives, and strengthen community outreach. We served ministries across denominational lines, providing responsible financing and responsive service. Our partnerships with the Church of the Nazarene, United Pentecostal Church International, and Church of God in Christ each advanced with growing engagement and shared purpose, supporting congregations nationwide.
Thanks to the tireless efforts of our ministry lending team, we were able to increase our lending to faith-based nonprofits by more than 50% versus 2024. These loans provide fuel for ministries to grow and make an even bigger difference in their communities.
At the end of 2025, ACCU had 2,900+ corporate members, a 9% increase from the previous year.
Stronger Christian Families
Families across the country continued to rely on ACCU for dependable savings, practical everyday banking, and loan solutions designed to support real needs. The high yield savings product, launched just over a year ago, continued to help families build reserves and prepare for future goals. We also continued our commitment to supporting adoption, helping new families come together through compassionate financing and dedicated member care.
In 2025, ACCU was privileged to support families in their adoption journey, bringing the total of adoptions funded to 2,712 since the program was launched in 2009.
ACCU’s core consumer membership grew 14% in 2025, allowing the team to serve the banking needs of more families than ever.
Stronger Christian Communities
Our work within Christian healthcare sharing ministries remained a core expression of community support. By enhancing onboarding and streamlining payment processes, we supported organizations whose members pray, care, and share each other’s burdens. These improvements reduced friction and strengthened the financial pathways that underpin these faith based communities.
The enhancements made to our processes, coupled with the success of our healthcare sharing partners, allowed ACCU to nearly double its number of healthcare sharing members in 2025. We are grateful for our partners in this work, and we look forward to serving these new members for many years to come.
Our healthcare sharing members grew by 98% to reach 125,174 in 2025. ACCU serves the nation’s leading Christian healthcare sharing organizations.
Stronger Christian Futures
Strengthening Christian education remains a key priority for ACCU. Throughout 2025 we continued to invest in future readiness through deepening strategic partnerships, strengthened digital tools, and disciplined operational efficiency.
As a result of our team’s proactive outreach and service improvements, more than 50 new Christian colleges and universities adopted ACCU in 2025 as a preferred private college student lender. On the K-12 side, ACCU was able to meet the lending and deposit needs of schools while continuing to expand the reach of its K-12 Tuition Financing program.
By the Numbers
In addition to the examples above, we closed 2025 with excellent growth statistics that show the intensity with which our team is delivering on our mission:
- Loans grew 14% to $610M.
- Shares and deposits increased 21% to $712M.
- Assets rose 16% to $802M.
- Membership grew 79% across our nationwide community.
- Return on assets for the year was 0.80%, above the industry average.
- We donated Member Advancement Funds of $415,000 in support of Kingdom initiatives.
Closing Thoughts
We are so deeply grateful for our members who demonstrate trust, partnership, and shared faith in the mission of this credit union. Your commitment inspires us to serve with excellence. We also extend heartfelt appreciation to our dedicated staff. Their skill, compassion, and focus were evident every day as they supported members and ministries across the country. The staff has performed brilliantly this year, delivering on every strategy and metric with excellence, intent on financing God’s work for our members. We close with gratitude for all God has provided. His faithfulness sustains this mission, and His guidance directs our path forward with clarity. May God continue to guide and strengthen us as we remain steadfast in faith and move forward in service.
In Christ’s Service,
Vicki VannBerstein, MBA
President/Chief Executive Officer
Report from the Chair
Dear Members,
As we reflect on the past year, we do so with grateful hearts—thankful for God’s faithfulness and confident in His continued guidance of America’s Christian Credit Union. In a time marked by economic uncertainty, shifting priorities, and ongoing cultural change, ACCU has remained steadfast in faith and forward in service.
Our steadiness is not accidental. It is rooted in prayer, shaped by mission, and strengthened by a clear sense of calling. Because of this foundation, ACCU continued to serve members and ministries with excellence, wisdom, and integrity, while maintaining strong financial health. These outcomes are a testimony not only to sound strategy, but to faithful stewardship.
I extend my deep appreciation to our President and CEO, leadership team, and staff. Day after day, they demonstrate professional excellence anchored in a genuine desire to honor Christ through service. Their commitment—to members, to one another, and to the mission—continues to shape ACCU as a trusted and ministry-minded financial institution.
Equally important is the role of our Board of Directors. Your directors remain committed to prayerful oversight, thoughtful governance, and discernment as we seek God’s direction together. We understand that leadership is not about control, but about faithful obedience and courageous trust in the path God sets before us.
As we look ahead, we are encouraged by the opportunities before us—to expand our reach, strengthen our impact, and serve more families and ministries with compassion and excellence. This forward movement does not come from striving alone, but from holding fast to the One who sustains us. As Scripture reminds us, “Let us hold unswervingly to the hope we profess, for He who promised is faithful.”
I invite each of you—members, leaders, and staff—to continue lifting this ministry in prayer. May we remain united in purpose, humble in leadership, and bold in service as we follow where God leads. It is my privilege to walk this journey with you.
With gratitude and faith,
Geoffrey Fellows, MBA, JD
Board Chair
Treasurer’s Report
Dear Members,
Through every season, we have seen the Lord’s faithfulness. Anchored by our theme—Steadfast in Faith, Forward in Service—ACCU remained committed to providing dependable, values aligned financial services while investing in the ministries, families, and communities we are called to serve. Even in a competitive rate environment, we delivered returns to our members, exercised disciplined growth, protected capital, and strengthened our readiness for the future.
Highlights of 2025:
- Total Assets: $801.7M; reflecting prudent balance sheet growth oriented towards member lending and liquidity.
- Loans Outstanding: $607.4M; continued expansion in real estate and consumer portfolios, with disciplined underwriting and a proactive credit risk posture.
- Deposits / Shares: $711.6M; maintained member trust by offering competitive dividend rates while stewarding long-term margin health.
- Total Income: $27.3M; supported by loan growth and member engagement.
- Operating Expenses: $21.4M; targeted investments in people, technology, and compliance to strengthen service and resilience.
- Our net interest margin (the difference between loan rates and average deposit rates) for the year was 2.92%, lower than our NCUA peer average of 3.36%, reflecting prudent pricing for our loans and yet allowing us to return $17.5 million to members through competitive dividend rates.
- Net Income: $5.9M; reflects our commitment to sustainable growth, risk management, and returns to our members.
Forward in Service — What We Focused on this Year
- Member Impact & Ministry: Enhanced lending access for ministries and families, including targeted personal loans and auto programs; expanded digital self service to improve convenience and reach.
- Prudent Risk & Reserves: Maintained conservative underwriting and allowance practices to ensure we are prepared for credit cycles and economic shifts.
- Liquidity & Funding Diversity: Balanced deposit growth with diversified funding, aligning rate strategy with our mission and earnings stability.
- Operational Excellence: Invested in talent, technology, and process improvements to elevate member experience and reduce long term costs.
- Community & Kingdom Partnerships: Deepened partnerships that advance Gospel impact and financial stewardship education.
Financial Stewardship & Risk Management
We continuously evaluate interest rate risk, credit risk, liquidity, and capital adequacy. Our focus remains on resilient margins, sound provisioning, and measured growth in mission critical portfolios. We also invest in cyber resilience and vendor oversight to protect member data and service continuity.
Return on Assets (ROA) is a key financial indicator that reflects how well we balance delivering returns to our members with managing efficiency and expenses. I am pleased to report that our ROA improved from 0.51% in 2024 to 0.80%, outperforming our NCUA peer average of 0.72%.
Our cost discipline is strong and is reflected in our credit union’s efficiency ratio (lower is better), which improved from 56.41% in 2024 to 45.97%, outperforming our NCUA peer average of 53.70%.
Looking Ahead to 2026
As we step forward, we do so with confidence in God’s promises and a clear strategic path: member centric growth, disciplined balance sheet management, and unwavering service. We will continue to align our products, pricing, and processes with your needs, equipping churches, ministries, and families to thrive.
Respectfully submitted,
Daniel Wheeler
Board Treasurer
Corporate Priorities
$55,000,000+
invested in adoption financing
since program inception1
$49,000,000+
invested in home financing and personal loan
support to members as of year-end 20251
$40,000,000+
invested in school campus financing
since program inception1
$725,000+
invested in student
lending in 20251
2,900+
organizational members & ministries
served throughout the United States1
$45,000,000+
invested in ministry
financing in 20251
$30,000,000+
invested in Christian-owned
businesses in 20251
$2.4 BILLION+
in transactions facilitated for
Christian Healthcare Sharing in 20251
MVPs: Mission & Values Personified
Each quarter, America’s Christian Credit Union recognizes an employee who personifies our mission to “Reach, Serve, and Teach.”
During 2025, these upstanding individuals faithfully and sacrificially blessed our members and assisted their co-workers.
Excelling in Financial Strength
Financial Statement
Unaudited Consolidated
Statements of Financial Condition
As of December 31, 2025
Unaudited Consolidated
Statements of Income
As of December 31, 2025
Supervisory Report
One of the most critical duties performed by the Supervisory Committee is the review of the financial condition of the Credit Union and its related financial statements and reporting. Related to this process is the completion of a verification of accounts. The last review was completed to the satisfaction of the Committee with an effective date of March 31, 2025. America’s Christian Credit Union meets state and federal requirements for safety and soundness and remains in good standing with the California Department of Financial Protection & Innovation and the National Credit Union Administration.
Respectfully submitted,
Keith Cox
Chair, Supervisory Committee
Supervisory Committee:
Keith Cox, MBA, Chair
Michelle Norman, CPA, Secretary
Nate Shine, MBA, Member
Cordell Gee, MBA, CPA, Member
Sylvia Nash, Member
Past Reports & Statements
Annual Reports
- Annual Report 2025 – Steadfast in Faith. Forward in Service.
- Annual Report 2024 – Not Easily Broken
- Annual Report 2023 – For Such a Time as This
- Annual Report 2022 – Iron Sharpens Iron
- Annual Report 2021 – Strength in the Lord
- Annual Report 2020 – He is Our Shelter
- Annual Report 2019 – Together For Good
- Annual Report 2018 – Run With Endurance
- Annual Report 2017 – Celebrating 60 Years Strong
- Annual Report 2016 – Renewed Strength
- Annual Report 2015 – To Whom Much Is Given, Much Is Required
- Annual Report 2014 – Hope and a Future
Audited Financial Statements
1 – Figures quoted represent America’s Christian Credit Union’s achievements as per the end of the 2025 fiscal year dated 12/31/2025.