2025 Annual Report

BOARD OF DIRECTORS REPORT

1st Vice Chair Board Chair Randy Schreifels Sony Lubrecht

2nd Vice Chair Sarah Maier Becky Eisenwinter

Rick Wurst

Andrew Johannes

Ken Erickson

Board Associate Bryan Rubin

Dear Members,

On behalf of the Board of Directors, we are pleased to share this year’s report and reflect on a year of thoughtful oversight, disciplined growth, and long-term stewardship at St. Cloud Financial Credit Union. As a member-owned cooperative, the Board’s responsibility is to ensure your credit union remains safe, sound, and well-positioned to serve members today and into the future. In 2025, that responsibility required careful discernment — balancing opportunity with prudence, innovation with risk management, and growth with the values that define our cooperative.

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