UN LUGAR QUE NOS PERTENECE
Nuestro cometido es empoderar a nuestra asociación con soluciones financieras personalizadas, educación, y un servicio cuidadoso para desarrollar confianza y relaciones duraderas. Reconocemos que la senda financiera de cada persona es distinta, y nos dedicamos a caminar a tu lado, guiándote, apoyándote y ofreciéndote soluciones reales.
Y según evoluciona el mundo, nosotros también lo hacemos -combinando la innovación con las conexiones genuinas- para ofrecerte lo que necesites hoy y mañana.
MENSAJE DE LA PRESIDENTA
Estimada asociación, junta directiva, amigos y colegas.
Como nueva presidenta de la Junta Directiva de OAS FCU, me honra servir a esta comunidad cooperativa – una comunidad donde todas las personas asociadas reciben refugio, apoyo y soluciones tangibles para los desafíos financieros a los que se enfrentan.
Reflexionando sobre el año pasado, me enorgullece compartir significantes acontecimientos y logros que conseguimos juntos en un momento cuando los sistemas financieros, sociales y políticos del planeta se vieron puestos a prueba. Este ha sido un año de transición, crecimiento y adaptabilidad, algo que ha sido posible gracias a la dedicación de la Junta, el personal, los voluntarios y la gerencia.
PARTE DE CADA HISTORIA
Ya sea que estás empezando tu primer trabajo, lidiando con gastos inesperados o planeando la jubilación, te escuchamos siempre y actuamos con empatía. Nuestros servicios -desde préstamos flexibles hasta asesoría financiera- están diseñados para adaptarse a tu vida, no al revés.
Cada día honramos las historias de nuestra asociación ofreciendo algo más que cuentas y transacciones -ofrecemos comprensión, respeto y cooperación-.
MENSAJE DEL PRESIDENTE EJECUTIVO
Estimada asociación de OAS FCU:
Una vez más me enorgullece proveerles de un informe de revisión del año en nuestra Cooperativa. 2024 no fue un año fácil para las instituciones financieras, organizaciones y empresas en general en los EE. UU. El ambiente legislativo y político cambiante, la volatilidad de los mercados y los intentos generalizados a nivel global de encontrar un modo estándar de hacer las cosas tras la pandemia han demostrado ser un gran desafío para todos, uno que continúa siendo una gran carga.
Nuevas personas asociadas
Tasa de apertura de los correos de mercadeo que enviamos
Tasa de diálogo de educación financiera*
* Más de la mitad de la asociación mantiene un diálogo abierto con nuestro contenido educativo
Número de páginas de papel ahorradas
gracias a solicitudes electrónicas
Empoderando a nuestra asociación: Asistencia digital y asesoría financiera personalizada
Sesiones de asesoría financiera confidenciales y sin costo ayudan a los socios a identificar estrategias para reducir tasas de interés y pagos mensuales, promoviendo una salud financiera sostenible y fomentando una mejor gestión del dinero.
Impulsando la resiliencia financiera a través de servicios integrales de asesoría y educación
Número de préstamos desembolsados
Monto desembolsado en préstamos
Cartera total de préstamos
INFORME DEL COMITÉ DE CRÉDITO
En OAS FCU el prestar fondos es una parte esencial de nuestra identidad, un servicio inclusivo que fortalece a las personas de nuestra asociación durante cada etapa de sus vidas. En 2024 este rol fue tan vital como siempre, ayudándonos a completar un año más con cuidado, resiliencia y compromiso.
Desde el Comité de Crédito nos complace informar que en 2024 desembolsamos 1,893 préstamos por un total de $27,67 millones. Esto representa un descenso en comparación con el año 2023, cuando se desembolsaron 2,050 préstamos por un total de $39,45 millones, algo que refleja un enfoque estratégico en nuestra asociación, conscientes del entorno económico menguante.
MAS ALLA DE LA BANCA: UNA ALIANZA DE POR VIDA
En OAS FCU somos conscientes de que el dinero lo toca todo en la vida, y estamos siempre aquí para apoyarte en todas sus estaciones. Ya sea que necesites consejo sobre un presupuesto, buscas conocer tus opciones de crédito, o buscas información sobre cómo proteger tu identidad, nuestro equipo está listo a escuchar y ayudar.
Con OAS FCU tu lado nunca tendrás que afrontar los desafíos por tu cuenta. Habla con nuestro equipo – estamos aquí para ayudarte.
INFORME DEL COMITÉ DE SUPERVISIÓN
La Junta Directiva de OAS FCU confía al Comité de Supervisión dos responsabilidades críticas, entre otras:
• Cerciorarse que la gerencia de la Cooperativa informa clara y honestamente sobre la condición financiera de OAS FCU.
• Verificar que las políticas, los procedimientos y prácticas de la Cooperativa son eficaces en proteger los activos de la asociación.
SIGUIENDO CON NUESTRA PROMESA
Mirando al futuro, una cosa se mantiene constante: nuestras puertas y nuestros corazones siguen abiertos para toda la asociación, ahora y en generaciones por venir.
Juntos, seguiremos edificando una cooperativa inclusiva donde cada voz importa y cada persona que se asocia puede caminar su senda a la tranquilidad financiera. Nuestro compromiso con la innovación, sostenibilidad y el servicio personalizado nos guiarán para formar un futuro que refleja nuestros valores compartidos.
El camino que nos queda por recorrer requiere colaboración y confianza – y juntos le haremos frente con fuerza y esperanza.
NUESTRO GRAN EQUIPO
La Junta Directiva y los Comités Voluntarios
.
La gerencia, nuestro equipo y personal
.
your needs—not the other way around.
REAL SOLUTIONS FOR REAL LIFE
Number of Loans Disbursed
Loan amount disbursed
Total Loan Portfolio
CREDIT COMMITTEE REPORT
The Credit Committee is pleased to report that during 2024, 1,893 loans were disbursed, totaling $27.67 million. While this represents a decrease compared to 2023, when 2,050 loans totaling $39.45 million were issued, the numbers reflect a strategic and member-focused approach in a tightening economic climate. The global rise in interest rates and shifting consumer behavior contributed to this decline, but our priority remained constant: providing responsible, need-based lending that supports our members’ well-being.
Loan amount disbursed
Total Loan Portfolio
CREDIT COMMITTEE REPORT
The Credit Committee is pleased to report that during 2024, 1,893 loans were disbursed, totaling $27.67 million. While this represents a decrease compared to 2023, when 2,050 loans totaling $39.45 million were issued, the numbers reflect a strategic and member-focused approach in a tightening economic climate. The global rise in interest rates and shifting consumer behavior contributed to this decline, but our priority remained constant: providing responsible, need-based lending that supports our members’ well-being.
Loans approved, including personal loans and debt consolidation
Members reached with financial counseling
Growth in our membership across the Americas
Loan applications
Loan Portfolio
Growth in our membership across the Americas
Growth in our membership across the Americas
CREDIT COMMITTEE REPORT
The Credit Committee is pleased to report that during 2024, 1,893 loans were disbursed, totaling $27.67 million. While this represents a decrease compared to 2023, when 2,050 loans totaling $39.45 million were issued, the numbers reflect a strategic and member-focused approach in a tightening economic climate. The global rise in interest rates and shifting consumer behavior contributed to this decline, but our priority remained constant: providing responsible, need-based lending that supports our members’ well-being.
CONTINUING OUR PROMISE
STRONG FINANCIALS
Special loan rates to finance green initiatives
Our Loan Program During Challenging Times
Shares: Competitive and diverse programs for the needs of our members
Kick-off Project
ENHANCING OUR MEMBERS' FINANCIAL WELL-BEING
CEO'S MESSAGE
Dear members of OAS FCU:
When reporting on our Credit Union for 2023, I consider last year to be one of survival to challenges and change. During the first full year after the COVID pandemic, OAS FCU faced many situations and tests that had a strong effect, not just on us as a financial institution, but on all of us, its members.
Last year many of us saw a change in our workstyles. The slow return to in-office work has affected both the membership and our staff, and we continue to work actively with everyone to ensure that we are always available to assist you, in person, by phone, or digitally.
BY YOUR SIDE, ALWAYS
Thank you for letting us walk this path with you.
OAS
$66M
CAF
$36M
IICA
$9M
NatGeo
$7M
IACHR
$4M
Others
$8M
OUR MISSION
OUR VISION
Dividends Paid to Members
Total Deposits
Total Shares
PART OF EVERY STORY
Kick-off Project
Our membership grew by 100% across the Americas.
CAF
$36M
IICA
$9M
**Life is unpredictable—our solutions can help you adapt and thrive..**
New and improved Credit Cards including contactless technology, 0% interest rate on purchases for 12 months, no international transaction fees, no annual fee.*
*Members who have an OAS FCU Visa Platinum card, will see their $65 annual fee waived until April 24, 2024. We will also waive the first annual fee for any Platinum credit card opened between April 15, 2023 and September 30, 2023.
Because the members that cannot reach us in person are just as important for us as those who do, we are opening a new “office” that will serve members by phone, email, video and other new means that we’ll be unveiling soon!
– Branch at National Geographic: New space assigned at the remodeled National Geographic Building, currently under construction.
– OAS FCU Branch: Planning and construction started to remodel our main branch and make it more sustainable and environmentally friendly.
New and easy-to-use platform to apply for membership. It includes a streamlined process and initial deposit options using a debit card from any country, or ACH from a US-based financial institution.
New and improved Credit Cards including contactless technology, 0% interest rate on purchases for 12 months, no international transaction fees, no annual fee.*
*Members who have an OAS FCU Visa Platinum card, will see their $65 annual fee waived until April 24, 2024. We will also waive the first annual fee for any Platinum credit card opened between April 15, 2023 and September 30, 2023.
Because the members that cannot reach us in person are just as important for us as those who do, we are opening a new “office” that will serve members by phone, email, video and other new means that we’ll be unveiling soon!
– Branch at National Geographic: New space assigned at the remodeled National Geographic Building, currently under construction.
– OAS FCU Branch: Planning and construction started to remodel our main branch and make it more sustainable and environmentally friendly.
New and easy-to-use platform to apply for membership. It includes a streamlined process and initial deposit options using a debit card from any country, or ACH from a US-based financial institution.
Lunched Product and Tools
Total Online Users
Domestic ACH and Wires
Online Transfers:
International ACH and Wires
FINANCIAL STABILITY: AN INSTITUTION LIKE NO OTHER
Total Assets
Return on Assets
Total Loans grew
Total Deposits reached
Loan to Assets Ratio
Net worth ratio
Average growth per year, in the last 3 years
Total Assets grew to
Total Assets Increased by
Total Shares reached
Return on Assets
Net worth ratio
Other financials
A safe and secure institution that members can trust.
Like banks, deposits in credit unions are federally insured by NCUA's Share Insurance Fund for up to $250,000 per individual depositor. Also, know that credit union regulators require higher capital reserves than those required for banks –a requirement that reduces liquidity concerns.
A not-for-profit member-owned cooperative.
As a cooperative, we are accountable to our 8,622 members rather than to unknown stockholders. We use our revenue to benefit you by offering market-leading products that are safe and support our stability, making us much less likely to falter during major market fluctuations or regulatory changes in the industry.
A diverse, healthy balance sheet.
Our priorities are aligned with those of our members. This is why we take a conservative approach to managing our members' deposits. We choose a lower-risk investment strategy and do not engage in risky practices to meet stockholders' profit demands. Instead, our portfolio is diverse and not dependent on a sole industry.
At OAS FCU, we understand that money touches every part of life, and we are here to offer steady support through all seasons. Whether you need advice on budgeting, want to explore loan options, or seek guidance on protecting your identity, our team is ready to listen and help.
With us by your side, you never have to face challenges alone. Reach out anytime—we’re here for you.
Loans
Loan Portfolio Growth
CREDIT COMMITTEE REPORT
Total Deposits
Total Assets
Total Loans
Total Loan to assets
Loan Disbursed
We have always cared for our members, the communities we serve, and the staff and volunteers that help us provide it. We have added our planet to the list of those we serve and care for, and from now on we will help protect it, and hope we set an example for others.
Total Online Users
Domestic ACH and Wires
Online Transfers
International ACH and Wires
Debit Card transactions
Remote Deposits
Total number of applications and requests completed electronically via DocuSign
Environmental Savings using DocuSign
OAS FCU headquarters outperforms 86% of similar buildings nationwide. It also uses 43% less energy per square foot than the national average.
ENERGY STAR
Certified Building 2023
OAS FCU headquarters outperforms 86% of similar buildings nationwide. It also uses 43% less energy per square foot than the national average.
ENERGY STAR
Certified Building 2023
outperforms 86% of similar
buildings nationwide
per square foot than
the national average
Organization of American States, OAS
Development Bank of Latin America, CAF
National Geographic
IICA
Others
AGE DISTRIBUTION
Silent (Ages 74-91)
Boomers (Ages 55-70)
Generation X (Ages 39-54)
Millenials (Ages 23-38)
Generation Z (Ages 7-22)
IICA $8,993,130
NatGeo $6,793,549
OAS $65,729,568
Members Living in the US
Remote deposits
Members Living abroad
Debit Card transactions
Online Banking users
Total logins
CAF $36,379,530
CUE $1,312,067
IACHR $4,286,745
IICA $8,993,130
NatGeo $6,793,549
OAS $65,729,568
CAF $36,379,530
CUE $1,312,067
IACHR $4,286,745
Loans
Loan Portfolio Growth
CREDIT COMMITTEE REPORT
STRONGER NUMBERS
Total Shares
$269,634,084
Total Loans
$159,028,429
Net Worth Ratio: 7.53%
Total Assets
$291,962,032
Luis Raul Betances
Fernando Chaves
Charles U. Edwards.
Guided by the very same mission of serving the global financial needs of our members, after 60 years of service, we are proud to be strong and your financial partner for life. We will continue to invest our resources to deliver outstanding service and benefits so that our members can continue to build an even stronger future.
STRONGER IMPACT
Members
Consumer Loans
Share Accounts
Mortgages & other loans
Club accounts & Share Certificates
Loans Disbursed
Draft Checking accounts
Organizations in our Field of Membership
Titanium Award Recipient
2nd highest award recognizing our outstanding home loan production of over $35 million in 2021.
4th United in Sustainability Summit Co-Hosts
Reached more than 116 credit unions and organizations.
FOUNDING MEMBERS
We want to thank the following individuals who got OAS FCU started and made it possible for all of us to be here today. Sixty years later we’re proud to continue working on our founders’ mission: To deliver the best member experience by combining our distinctive personalized services with relevant technologies. And thank you, our members, for 60 years of trust in their vision, and the work we do.
Luis Raul Betances
Fernando Chaves
Charles U. Edwards.
Philip F. Gallagher
Clarence R. Jauchem
Charles P. Miller.
C.A. Orantes
Felipe Orellana
R.G. Sanchez.
Leon K. Smith
Luis Solorzano
Mario Yuri.
MEMORIES AND MILESTONES
OUR GREAT TEAM
Matt Connors
Lead Dev
Christy Walkins
CSS Guru
Brent Matthews
Project Cordinator
