Closing the year at $798 million in total share balances, a 4% annual growth, even though rates were at an all-time low, showed that saving was still a very real priority to NGFCU members. In stark contrast to the unwavering appeal of saving to our members was the $427.5 million in loans to members that saw modest growth of 1.7% during the year. As NGFCU continued to expand its presence across the NGC and Metro landscapes, new technologies to enhance accessibility for members “on the go” were implemented in 2012, including the ability for members to remotely and securely deposit checks using their Android phones and iPhones.