New President and CEO Welcomed Jeremy Gibson officially became President and CEO of Trona Valley Federal Credit Union on February 1st, 2016. He joined the Trona Valley team in early

2000 and has held numerous positions, including Information Technology, IT Manager, and Chief Operating Officer. Jeremy has a Bachelor of Science in

Business Administration. He graduated from Western CUNA Management School with honors. In 2013, Jeremy was recognized with the Emerging Leader

Award by the Mountain West Credit Union Association. He continues to stay active in the association’s many leadership programs. Jeremy is also a

Development Educator. The National Credit Union Foundation’s DE program promotes the credit union philosophy in the workplace and in the community.

Jeremy is genuinely passionate about the credit union difference and is excited to have this opportunity. He is committed to leading a strong and secure credit

union, while ensuring a great experience for members. Jeremy is a Wyoming native and lives in Green River with his wife Aimee. He is a volunteer on the

Green River Chamber Board and he stays active with his church. When Jeremy is not working, he enjoys an active outdoor lifestyle, including fishing, hunting,

and exploring the wide open vistas on his ATV. Jeremy admits he sometimes tries to defy gravity while four-wheeling by challenging the terrain, though

physics always wins and it seldom ends well. He always has an enjoyable time.

January 29th marked the conclusion of an epic saga in Trona

Valley’s history with the retirement of Marsha Tynsky. For

nearly 40 years, Marsha’s vision has been the driving force

behind Trona Valley’s sustainability and success. In addition to

building a better experience for our members, Marsha has been passionate about preparing Trona Valley

Federal Credit Union for a new chapter. As you may have read or heard, the Board of Directors has selected

me as the new President and CEO. I am very excited for this opportunity and am confident the staff, manage-

ment team, and Board will continue to work tirelessly toward an awesome member experience.

2015 was a great year with some notable accomplishments. We opened our Mountain View Branch to better

serve our members in the valley. Shawnae Case and her staff have done a wonderful job getting involved

with the community and offering hometown smiles with world-class service. Regardless of where you live, it’s

easier now, more than ever, to carry us with you wherever you go. We have polished our smartphone app

and added mobile deposit allowing you to deposit checks from wherever you might be. If you haven’t already,

be sure to add our app from the iPhone or Droid store and watch for new features to be added down the road.

We also unveiled a new suite of youth products and programs. The programs are geared toward encouraging

youth to save, get involved with their community, and learn financial responsibility.

Trona Valley has a long history of community involvement and volunteerism. Part of the credit union differ-

ence is seen through our employees and what they do at their own behest. I’m proud to say the credit union

difference is alive and well at Trona Valley. Hometown Heroes was created by our staff to celebrate the men

and women who selflessly protect and serve our communities. The program also supports the Wounded

Warrior Project. Random Acts of Kindness was created to help make lives a little brighter. Employees, not

the management team, oversee both programs. It’s evident that they believe in the philosophy of People

Helping People.

In 2016, my goal is to steer Trona Valley toward new levels of efficiency and simplicity. Banking shouldn’t be

a hassle; it should be empowering. Whether it’s through technology that brings the credit union to you, or

being respectful of your busy schedule when you come to us, Trona Valley is dedicated to being a caring

partner and helping you achieve financial success.

As always, we are grateful for your loyalty and support. Trona Valley continues to do well thanks to you, our

members.

Jeremy Gibson, President and CEO

What’s

New?

Apple PayTM

Remote Deposit Capture

Responsive Website

New Youth Accounts

Letter from the

President and CEO

Supervisory

Committee Lollie Lebario, Chairman

Larry Hickerson

Shawn Davis

Tyler Flom

Marc Young

From the Treasurer — Barb VanMatre

Asset Growth — 4.36%

Deposit Growth — 4.36%

Capital Ratio — 11.63%

Return on Assets — 0.80%

Cost of Funds — 0.57%

Return on Equity — 7.04%

Trona Valley ended 2015 with assets of $171,230,000. Net income for

the year was $1,368,000, the resulting net worth is $19,915,000. The

credit union is well positioned to remain financially strong and

continues to meet the financial and service needs of its members.

Supervisory Committee The Supervisory Committee is responsible for evaluating the soundness of:

Operations • Activities • Internal Controls • Compliance with regulations, policies, and procedures

• Financials adhere to generally accepted accounting principles

The Supervisory Committee is responsible to oversee the audit functions of the credit union:

Internal Auditor – AdvisX

• The committee reviews monthly audit reports and meets quarterly

External Auditor – Ferrin and Company, LLC.

• The audit concluded that Trona Valley has adequate controls and financial statements are fairly stated

Equity Distribution

Financial Statements — December 2015 Balance Sheet

Loans $ 130,229,000 Checking Accounts $ 33,839,000

Allowance for Loan Loss $ (1,217,000) Share Accounts $ 61,791,000

Net Loans $ 129,012,000 Money Market Accounts $ 12,934,000

Cash & Investments $ 28,817,000 Certificates $ 43,793,000

Other Assets $ 13,401,000 Other Liabilities $ (1,042,000)

Net Worth $ 19,915,000

Total Assets $ 171,230,000 Total Liabilities $ 171,230,000

Board of Directors

Dan Stanton — Chairman

Drew Varley — Vice Chairman

Barb VanMatre — Treasurer

Larry Hell — Secretary

Board Member — Jan McCann

Board Member — Bob Nelson

Board Member — Jake Ribordy Executive Management Jeremy Gibson, Deli Bennett, Scott Sager

Real Estate $36,202,000, 28%

Used Vehicle $51,047,000, 39%

New Vehicle $20,612,000, 16%

Home Equity $2,785,000, 2%

Share Secured $722,000, 1%

Loan Distribution

Other $18,861,000, 14%

Certificates $43,793,000, 29%

Checking Accounts $33,839,000, 22%

Share Accounts $61,791,000, 41%

Money Market Accounts $12,934,000, 8%

2010 2011

2012

2013

2014

2015

Asset Growth (In Millions)

$171

$133

$164

$139

$144

$159

Federally Insured by NCUA

Annual Member Appreciation Day

March 16, 2016, 10:00 AM — 5:30 PM

Annual Meeting, 5:30 PM • Rock Springs Branch Food, beverages, raffles, giveaways, and more.

Trona Valley is a caring partner dedicated to your financial success. We are available 24 / 7.

TronaValley.com 800-331-6268

Social Media

Update

Facebook Likes 689

Twitter Followers 398

Green River Main Branch 840 Hitching Post Dr.

Green River, WY 82935 P/ 307-875-9800 F/ 307-875-5551

Evanston Branch 236 Harrison Dr.

Evanston, WY 82930 P/ 307-789-3900 F/ 307-789-3939

Rock Springs Branch

2640 Foothill Blvd. Rock Springs, WY 82901

P/ 307-382-2968 F/ 307-382-2989

Mountain View Branch

200 7th St. PO Box 56 (Mail)

Mountain View, WY 82939 P/ 307-782-7100 F/ 307-782-7101