3
Table of Contents
Chairman's Report ......................................................................................................................... 4
President's Letter ............................................................................................................................ 5
Anniversary Tour Recap ............................................................................................................. 6
World Class Advancements .................................................................................................... 7
Financial Statements ................................................................................................................... 8
Independent Auditor's Report ........................................................................................... 34
Supervisory Committee's Report ...................................................................................... 36
Board of Directors....................................................................................................................... 37
JM ASSOCIATES FEDERAL CREDIT UNION
Annual Meeting
April 22, 2016
Southeast Toyota Westlake Facility
Jacksonville, FL
