Windsor Family Credit Union Annual Report 2012/2013 : IFC

“Year after year our members continue to accept us as their preferred financial institution in Essex County. Membership and Managed Assets have again reached record levels. We are so proud of our accomplishments.” Martin J. Komsa President and Chief Executive Officer TABLE OF CONTENTS Message to our Members Year in Review Five Year Financial History Auditors’ Report on Summary Financial Statements Summary Statement of Financial Position Summary Statement of Income Summary Statement of Comprehensive Income Summary Statement of Changes in Members’ Equity Management Report Report of the Audit Committee For the Future Access to Services 1 4 16 17 18 19 20 21 22 23 24 25

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