Closing the year at $767.8 million in total share balances, members continued to recognize the value, security and long-term advantages of keeping their money safely deposited in an NGFCU savings program. The somewhat cautious but steady loan origination encouraged by some of the lowest loan rates in decades resulted in loans increasing to $420.3 million dollars in loans outstanding. The net result ended in assets growing by a respectable 1.2% to close the year at $879.2 million. Contributing to NGFCU’s stability was member access to our extremely low interest rates on home loans and auto loans while experiencing very low delinquency and charge-off ratios. During the year, NGFCU also expanded dedicated education and outreach throughout the Northrop Grumman and Metro landscapes.