— in expenses

Dividends paid to members on approximately 1,178,822 deposit accounts held by approximately 521,206 members (dividends $192,544,958; including a special patronage dividend of $6,750,782).

— in expenses

Direct labor and employee benefits costs incurred to provide deposit services, originate loans, and service loans for members totaled $138,158,201.

— in expenses

Branch office occupancy and operations services 36 brick and mortar branches plus two call centers provides physical location for person to person financial services.