60th Anniversary Celebration and Annual Meeting
Annual Reports
Chung Bothwell, JD, MBA, LLM, CCUB
Chairman of the Board
Guided by Purpose, Grounded in Connection.
In times of change, purpose provides direction and connection provides stability. Guided by these principles, UNCLE Credit Union continues to support members and surrounding communities amid shifting economic conditions and rapid advances in technology. Every decision made today reflects our commitment to building a resilient, forward-looking credit union prepared to serve generations to come.
As economic conditions continued to evolve in 2025, the ability to balance opportunity with a risk-based strategy remained essential to maintain a strong financial foundation. At the end of 2025, UNCLE’s total assets grew to $756 million, and we are proud to have served more than 37,000 members.
Community impact remains a cornerstone of UNCLE’s mission, rooted in our longstanding cooperative value of People Helping People. In 2025, the credit union continued to support local non-profit organizations including Livermore Valley Arts, Livermore Lab Foundation, local chambers of commerce, sports teams, and schools. Prioritizing local engagement allows UNCLE to foster trust, connection, and long-term prosperity within the communities we serve.
This commitment to service continued in 2025, as UNCLE employees contributed more than 825 volunteer hours to organizations such as Tri-Valley Haven, Kids Against Hunger, Fertile Groundworks, and Goodness Village. In recognition of these efforts, UNCLE was honored by the Tri-Valley Nonprofit Alliance with the 2025 Power of Giving Corporate/Philanthropic Partner of the Year Award. This recognition reflects the meaningful impact of our volunteer program and the difference our service and donations make throughout the region.
Building on the success of the prior year, UNCLE once again hosted a free fraud prevention seminar at the Bankhead Theater in Livermore to help members stay informed and protected. More than 100 attendees participated in the event, learning from the California Department of Financial Protection and Innovation (DFPI) about current fraud schemes and best practices for staying safe online.
2025 also marked an important milestone as UNCLE hosted its first Bite of Reality event, providing local students with hands-on experience navigating real-world financial decisions. This event reinforced our commitment to financial education by helping high school seniors build confidence, awareness, and practical money management skills. In true cooperative spirit, UNCLE invited employees of Patelco Credit Union and Pacific Service Credit Union to join us in delivering this financial literacy experience.
For the eighth consecutive year, UNCLE was named Best Credit Union in the East Bay by the East Bay Times in 2025. Voted on by members of our local communities, this achievement is a testament to the passion and professionalism of our employees and their unwavering commitment to service. The credit union was also named a Top Workplace by the San Francisco Chronicle for a fourth consecutive year in 2025. This continued recognition speaks to the strength of our culture and our ongoing investment in our people. We thank our employees for creating an environment where individuals feel valued, supported and empowered.
A strong culture and consistent performance are sustained through thoughtful
leadership and collaboration. I am grateful for the guidance of our Board of Directors and the dedication of our management team and employees, who work together every day to maximize value for our members.
Thank you for your continued trust in UNCLE Credit Union.
Chung Bothwell, JD, LLM, CCUB
Chairman, Board of Directors
Harold Roundtree
President and CEO
Progress through Connection.
2025 was a year of resilience, growth, and meaningful progress built on connection. While economic conditions created challenges, our commitment to our members, our employees, and our long-term vision never wavered. We deepened engagement across our organization and membership while delivering key projects to position UNCLE for future opportunities and continued success.
In early 2025, UNCLE proudly unveiled its newly remodeled Headquarters Financial Center, reflecting a more modern and member-focused experience. This updated space enhances how members connect with our team, offering a comfortable environment to support personalized service and meaningful financial conversations. UNCLE also expanded access and convenience for our members with consumer and business wire transfer services embedded in our digital banking platform. This self-service enhancement further allows members to move funds confidently anytime and from anywhere.
As part of our commitment to innovation and operational excellence, UNCLE invested in advanced technology, including artificial intelligence, allowing us to implement Microsoft Copilot and launch UNCLE’s new internal intranet. Together, these platforms helped to improve efficiencies, strengthen communication, and make information more accessible across our organization.
Beyond technology, UNCLE recognizes the importance of personalized guidance for life’s most significant financial decisions. Our financial planning and advisory services offered through UNCLE Wealth Management remains a crucial component of servicing our members. Surpassing over $50M in total assets under management, our Wealth Management Team offers comprehensive service plans for retirement, managing your investments or building a legacy for future generations. 2025 marked the completion of our new Wealth Management Office, located in Livermore, where clients can enjoy
a private space to make confident and informed decisions about their finances.
UNCLE continues to invest in the people who make our mission possible. Introduced in 2025, our Employee Financial Wellness Program provides our team with education, tools and resources to better manage their fi nances, and continue to plan and build their long-term financial stability. By promoting financial confidence and reducing financial stress, we are supporting a healthier, more focused and empowered workforce better positioned to deliver exceptional service to our members.
To support our continued growth in member experiences, we additionally expanded our leadership team by adding the roles of Vice President of Collections and Vice President of Sales Services. These strategic additions help in sharpening our focus on performance, risk management and service excellence.
UNCLE continuously moves forward with confidence and purpose. Our dedicated leadership team, our interwoven culture, and clear focus on our vision help us to provide exceptional financial opportunities and strengthen the surrounding communities we serve.
Our goal is to ensure every member has access to guidance, tools and support to build lasting financial security. 2025 built strong momentum through connection and innovation, and we are setting the stage for an impactful year ahead in 2026.
Thank you for your continued membership and support of UNCLE Credit Union.
Harold Roundtree
President and CEO
