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                                                                          Serving Alachua, Clay, Columbia, Lake, Marion and Sumter counties                                                                     mar
                                                                                                                                                                                                                mar 2012
                                                                                                                                                                                                                mar 2
                           Shining Strong.

                                                                                                 PUS USA CREDIT U


                                   Three days only – aPrIl 26, 27 & 28
                                                                                  CAR SAle
                                                       Shop at CAMPUS USA Credit Union with four dealers on site!
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                                                                                        Gainesville                                                   OF GAINESVILLE                   SOUTHEAST CAR
                                                                                        nissan                                                                                             Agency
                          $200 cash bonus                                 One year of free oil changes                            One year of free oil changes                                    $200 gas card
                           with purchase!                                       with purchase!                                          with purchase!                                            with purchase!

                                                                       SpeCiAl CAMpUS SAle pRiCeS

                                            New vehicles as low as invoice prices  Used vehicles as low as $4,800 below NADA

             New & Used vehicle financing as low as

                                                                                                                                                                       when you buy with a CAMPUS
                                                                                                                                                                       Pre-Approved Loan Draft at the sale.

                                                                                                                  APR         1   up to
                                                                                                                                  60 months

                                                  apply for your Pre-approved loan draft today!
                                       Call 800-367-6440 and press 4 or visit for fast approval!
OFFER NOT AVAILABLE ON EXISTING CAMPUS LOANS. OFFER IS FOR NEW LOANS ONLY. MAY NOT BE COMBINED WITH ANY OTHER OFFER. 1. Credit approval required. Your rate may be higher based on creditworthiness, vehicle and term of loan. For
example, a $30,000 loan with no money down at 1.89% for 60 months would require 59 monthly payments of $527.82 and a final payment of $512.95, finance charge of $1,548.63, for a total of payments of $31,654.33. The amount financed is $30,105.70.
The APR is 1.99%. APR = Annual Percentage Rate. This credit union is federally insured by the National Credit Union Administration.
           A       N        N        U      A       L               R        E        P      O        R        T                2       0        1        1

                    Report from the President
                    LARRY SCOTT, President / CEO                                    CAMPUS is on track for another positive year; we have re-vamped our
                                                                                    Member Business Products and invested in new technology to improve
                  2011 has come and gone, though it brought some                    our member interactions. Last year, we opened our 13th service center
                  challenges, CAMPUS USA Credit Union continued                     in Alachua, which is off to a great start. By the time you read this, we will
to grow and prosper. We saw some national and local economic                        have officially purchased our newest service center, located in Tallahassee.
improvement last year, and for the first time since 2008, I am happy to             We are excited about this expansion to our state’s capital. Our long-term
report we experienced an increase in demand for loans of all types!                 plan is to continue expanding into markets offering stability and
                                                                                    opportunity for long-term growth. With your help, CAMPUS USA Credit
Positive loan growth and efficiency in operations help keep your credit             Union will continue what we started in 1935, empowering our members
union healthy. When you Count on CAMPUS for all of your banking needs,              to reach their full financial potential.
including your Auto Loan, Credit Card or Mortgage, you are strengthening
the Credit Union and helping us to offer more services and “best of                 Thank you for continuing to Count on CAMPUS. We think of our members
market rates” to savers and borrowers. That’s the beauty of a financial             as part of our family, and we want to be a positive influence on your
cooperative; when a member uses multiple products and services, all                 financial future.
members benefit, and the value of membership increases!

                                                                                                             LOANS ($ Millions Outstanding)
STATEMENT of Financial Condition                                                                             $800

                                                            Millions of $
                                              December 31, 2011       December 31, 2010                      $600
Total Loans                                     $672,476,000          $670,790,000
  Less - Allowance for Loan Losses               $10,008,000           $12,059,000                           $400

Net Loans                                       $662,468,000          $658,731,000
Cash                                             $64,832,000           $38,611,000
Total Investments                               $290,072,000          $286,422,000
Accrued Interest Receivable                       $3,492,000            $3,943,000                                       2008       2009        2010       2011
Property and Equipment -
Net of Depreciation                              $44,770,000            $44,932,000
Prepaid and Other Assets                         $15,004,000            $17,307,000                          LOANS PORTFOLIO
  Total Assets                                $1,080,638,000         $1,049,946,000
                                                                                                                                                     Credit Cards
LIABILITIES AND EQUITY                                                                                                                                  $29,281,000

Total Liabilities                                $23,005,000            $23,757,000                                                                           Commercial Loans
Total Deposits                                 $925,323,000           $900,361,000
Total Retained Earnings                        $132,310,000           $125,828,000                                       Real Estate Loans
   Total Liabilities and Equity               $1,080,638,000         $1,049,946,000
                                                                                                                                             Consumer Loans

                                                                                                          Total Loans:

                                              December 31, 2011       December 31, 2010                      RETAINEd EARNINgS ($ Millions)
Total Interest Income                            $43,882,000           $49,835,000
Interest and Dividend Expense                     $8,606,000           $13,929,000
Net Interest Income                              $35,276,000           $35,906,000                           $125
                                                          Millions of $
Other Income                                      $8,354,000            $8,274,000                           $100
Net Income before Operating Expenses             $43,630,000           $44,180,000
Total Operating Expenses and
Provision for Loan Loss                          $35,109,000            $39,365,000                           $50
Income from Operations                            $8,521,000             $4,815,000                           $25
Total Non-Operating Gains (Losses)                $1,134,000              $526,000
Net Income                                        $9,655,000             $5,341,000                                      2008       2009        2010       2011
            C A M P U S                                 U S A                  C R E D I T                              U N I O N

                    Report from the Chairman of the Board                                           Report from the Audit Committee
                    JAY HUTTO / Chair                                                               keiTH BiRkeTT / Chair

                     Your Board of Directors is a group of volunteers                                 Appointed by the Board of Directors, the CAMPUS USA
                     elected by the membership to act as your voice                                   Credit Union Audit Committee serves as the overseers
in all credit union matters. Each of us is a member and owner of                of all financial, regulatory and compliance matters for your credit union.
the credit union, just like you. We work hand-in-hand with the                  With all the regulatory changes implemented in 2011, our job became
Management Team representing your interests in setting policy                   even more important.
and direction at CAMPUS.                                                        One of the primary tasks of the Audit Committee is to select an
This year, I have asked a few of our “experts” to weigh in on some              independent auditor that examines controls, confirms financial statements,
areas of interest and the State of the Credit Union. You can rest               and evaluates policies, procedures and management performance. After
assured that with your help your credit union will continue to                  our internal audits, and examinations performed by the National Credit
Shine Strong.                                                                   Union Association, we are happy to report that your credit union is safe,
                                                                                sound and secure.

                    Report from the Chief Sales Officer                      $247 million, and our total loan portfolio containing all types to $672 million.
                    GReG WATeRS / Chief Sales Officer                        Additionally, we provided over $43 million to members for home loans. With
                                                                             rates at an all-time low and consumer confidence increasing, expect 2012 to
                                                                             be a great year for lending. It’s easy to borrow from your credit union – call us
                   Loans are the bread and butter of your credit
                                                                             today or apply online at
                   union. CAMPUS relies primarily on interest
income, rather than fees, to generate revenue to cover overhead and          If you already have your vehicle, home or home equity loan with CAMPUS,
expenses. By keeping all your loans at CAMPUS, you receive the most          I would like to sincerely say “thank you.” If not, what are you waiting for? Based
value from your credit union. Since you’re part owner, we want to be         on our research, CAMPUS has the lowest rates around for all types of loans. If
your primary financial institution for all your banking needs!               you or someone you know has a loan at another financial institution, call today
                                                                             to see how much money you can save by bringing it “home” to CAMPUS.
Last year, CAMPUS helped over 6,000 members purchase a vehicle,
increasing our auto loan portfolio outstanding balance to

                    Report from the Chief Operations Officer                                              Report from the Chief Technology Officer
                    JeRRY BenTOn / Chief Operations Officer                                               Jim THACkReY / Chief Technology Officer

                     In 2011 our operational focus was on deepening our                                 CAMPUS USA Credit Union is constantly striving
                     relationships with members and potential members,                                  to deliver the safest, most convenient services
who we like to call “pre-members.” New sign-in kiosks were installed                 to our members. In 2011, we introduced members to a new online
in our Gainesville locations, and will be installed in all of our service            banking product with improved online bill pay. These enhancements
centers soon. The kiosks help us identify traffic patterns in our branches           gave our members a better view of their accounts online and
and enable us to properly plan staffing to keep your waiting time at a               increased control over their cash flow. Since the update, I am happy
minimum! Last year we also increased our employee training programs,                 to report members are using these products more than ever.
stressing that members deserve World-Class Service every time they visit             More improvements to our online access are on the way! Later this
a CAMPUS Service Center.                                                             year a Personal Financial Management tool will be integrated into
In early 2012, CAMPUS’ expansion application was approved by the                     CAMPUS QUE – as will the ability to sign your loan documents from
State Office of Financial Regulation enabling us to offer membership in              home. A secure mobile site with mobile loan applications, mobile
Gadsden, Jefferson, Leon, Madison, Suwannee and Wakulla counties. We                 banking, and an iPhone and Android App will also be introduced
have already purchased our first location in Tallahassee (Leon County),              in 2012.
which will open later this year. We are well positioned for continued                CAMPUS will continue to strive to provide your account information
success in the future! Thank you for placing your trust in CAMPUS.                   and service, when and how you want to receive it.
                                 Enjoy a GAME and a
                 FrEE Fountain Drink on us!
                     BUY ONE, GET ONE FrEE PASS
                    Join us for Campus usa Credit union
                          member appreciation Day
                                 Gator Baseball vs. Georgia
                                 saturday, april 21 at 7:00 p.m.
                    Present coupon at the Ticket Office located at Gate 1
               of Ben Hill Griffin Stadium from 8:30 a.m.-5:00 p.m. (Mon.-Fri.)
              or at the ticket booths of McKethan Stadium on the night of the
               game for 2-for-1 reserved bleacher seats (regular price – $6.00).
                                        Coupon valid only for 4/21/2012.
                                                                                                                   Don’t delay!
                          Dates and times subject to change. Ticket subject to availability.
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          ONE FrEE FOUNTAIN DrINK COUPON                                                                         you deserve.
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                    Join us for Campus usa Credit union                                                          seven days.
                          member appreciation Day                                                                Available now at!
                                 Gator Baseball vs. Georgia
                                                      saturday, april 21                                            Important Dates
                                                         at 7:00 p.m.                                            - 2nd Quarter 2012 -
                                                                Bring this coupon to
                                                                 McKethan Stadium                                    Tuesday, April 24th
                                                                  concessions for                                   AnnuAl Meeting
                                                                     ONE FREE 22 oz.                                 of the MeMbers
                                                                     FOuNTaIN DRINK                               5:00 p.m. at Empower Park
                                                                     Redeem at the two main concession               14007 NW 1st Road
                                                                     stands under the grand stands.                       Jonesville
                                                                     One free drink per coupon.
                                                     ®              Coupon valid only for 4/21/2012.
                                                                                                                            Monday, May 28th
                                                                                                                            MeMoriAl DAy
                                                                                                                           (credit union closed)

                                                                       gainesville 352-335-9090                    Ocala/Summerfield 352-237-9060
                                                                       E. Campus 1200 SW 5th Ave.                  Ocala 3097 SW College Rd.
                                                                       W. Campus 1900 SW 34th St.                  East Ocala 2444 E. Silver Springs Blvd.
                                                                       Hunter’s Walk 5115 NW 43rd St.              West Marion 11115 SW 93rd Court Rd.
                                                                       Tower Square 5725 SW 75th St.               Summerfield 17950 U.S. Hwy. 441
                 Shining Strong.
                                                                       Shands at UF Room H-1                                                  Springhills Commons 9200 NW 39th Ave.       Lake City 386-754-9088
                                                                       Jonesville 107 NW 140th Terrace             183 SW Bascom Norris Dr.
This credit union is federally                                         Empower Park 14007 NW 1st Rd.
   insured by the National                                                                                         Alachua 352-335-9090
Credit Union Administration.                                           Toll-free 800-367-6440                      14759 NW 157th Ln.

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