Www.hondafcu

ADDRESS: 19701 Hamilton Avenue, Suite 130 Torrance, CA 90502-1352

PHONE: 1-800-634-6632 (1-800-63-Honda)

FAX: 1-310-217-8211



2 A TEAM ON YOUR SIDE

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ANNUAL

1 R E P O R T

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TABLE OF CONTENTS

04 Message From CEO 06 One Team Honda 07 Purpose and Direction 08 Positioning Story 09 Chairman's Report 1 1 Treasurer's Report 1 2 S upervisory

Committee Report 1 3 Independent

Auditor's Report 1 4 Financials 19 Board Of Directors 22 S upervisory Committee,

Executive Management & Management Team 23 ATM & Branch Locations

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MESSAGE FROM THE CEO

For over 50 years, Honda Federal Credit Union has strived to deliver financial products and services to Honda Associates and their family members. As our Members' financial journeys evolve, HFCU must evolve along with them and work to exceed their expectations.

As new technologies are developed, and new products created, HFCU must be able to innovate for the Member experience and retain its role in the Member's financial journey which enhances the relationship and maintains relevancy. Our evolution is the key to not only our members' success, but the Honda Federal Credit Union Organization as well.

Staff support of the Member journey has evolved in scope and complexity. Skills and personality are critical, as technology has changed the way we interact with Members. Due to the continued evolution of technology, high tech/high touch has become the norm for Member interactions. Thus, every moment of contact has become crucial for a positive Member experience.

Being an active participant in our Member's journey will not only allow the Credit Union to deepen its relationship with Honda associates and family members, but will also secure our position as their preferred financial institution as well.

Being part of our Members' journey means being a part of our Members' financial success through all life stages. HFCU is an integral team member, in the ever-evolving path, as our Members travel down the road to their financial wellness destination.

Your Life is a Journey, Honda FCU will be there every step of the way.

TOGETHER, WE'RE BETTER.

STEVE BRANDON CEO of Honda FCU

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ANNUAL REPORT 2019 5

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