By John B. Lund, President & Chief Executive Officer Dear members, It's my privilege to thank you for your membership, loyalty, and confidence in America First. I’m also grateful for the opportunity to present an annual report of the credit union’s performance & initiatives. Our volunteer and employee team strives for excellence each and every day, remaining passionate about developing and delivering superior financial services. We experienced another outstanding year and are well-positioned for a bright and vibrant future. As we look forward in an ever-changing industry, I often ask myself why I would choose America First as my primary…