2025 Annual Report

19

INCOME STATEMENT

Net Interest Income

2025

2024

Change

$16,309,394 $754,888 ($6,041,277) ($523,758)

$2,484,166 $744,469 ($728,978) $190,680

Loans Investments Member Dividends Interest on Borrowed Money

$18,793,560 $1,499,357 ($6,770,255) ($333,078)

($900,787)

($288,083)

Provision for Loan Losses

($1,188,870)

$9,598,460

$2,402,254

Net Interest Income

$12,000,714

2025

2024

Change

Non-Interest Income

$177,827

Service Fees

$2,089,846 $1,912,019

$3,170,163

Loan Sale & Other Income

$5,608,410 $2,438,247

Non-Interest Income

$7,698,256 $4,350,266 $3,347,990

2025

2024

Change

Non-Interest Expense

($5,968,009)

($370,434)

Staff Compensation & Benefits

($6,338,443)

($2,064,511)

($398,835)

Occupancy & Office Operations

($2,463,346)

($3,663,415)

($488,149)

Professional Services

($4,151,564)

($1,170,312)

($675,333)

Other

($1,845,645)

($12,866,247)

($1,932,751)

Total Non-Interest Expense

($14,798,998)

Net Income

$4,899,973 $1,082,479 ($3,096,233)

*These are the financials as of March 31, 2026.

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