Reaching New Heights

2010 Annual Report
Reaching New Heights
Gesa Credit Union
mission statement
Members have access to a
broad range of financial
products and services that
enables them to prosper at
a cost justified by the results.
key differentiators
4We are truly our
member’s advocate.
4We have a strong commitment
to deliver financial education.
4We are known for our deep
community involvement.
Photograph by member R.J. Debevec
our vision
To be a financial
cooperative that enriches
the lives of our members
and communities.
GESA
Message from the President
HISTORY
Memb er LO YA LT Y Revo l uti o ni zes
How to THRIVE in Today’s Financial Market
1953
Gesa Credit Union
is established.
I
am excited to tell you we have reached a significant milestone in Gesa’s history.
When I arrived at Gesa in 2007, one of the goals agreed upon at my first
Strategic Planning Meeting with the Board was to reach $1 billion in assets by
2012 while holding true to our credit union principles of people helping people.
Even though the financial report you are holding shows at September 30, 2010,
we were at $980 million in assets, by year-end we had exceeded the $1 billion
dollar mark. I am happy to say that this growth is the outcome of our popularity
with our members and our relevance in our communities.
Growing over $90 million dollars in calendar year 2010 was an amazing
accomplishment for Gesa, considering the still-recovering economic climate. In
fact, the steady growth in assets and members through a harsh global economy is
affirmation that Gesa is, indeed, where people want to belong.
One of our goals in 2010 was to continue elevating service levels to our members.
We began in 2009 to implement a service training program called Creating
Member Loyalty, where we encouraged our staff to focus on your needs. This
was, in fact, a culture change that improved consistency across branches and
enhanced Gesa’s brand identity. This change not only helped Gesa grow, it offered
employees an opportunity to expand their skill set and step up to the challenge
of advancement. We want them to consider Gesa a career, not just a job. You have
confirmed by your letters and comment cards, which we receive daily, that we are
accomplishing the goal of elevating service levels.
Members will notice another improvement in service in the near future. We began
working in 2010 on major system upgrades that will improve efficiency and speed
of opening accounts and processing member requests. In addition, a modern
telephone system along with our staff capabilities will enhance your experience.
We know convenient access to your accounts is paramount. That’s why we
continue to expand our online capabilities and remote delivery. We intend to
make gesa.com your full-service 24/7 web branch. In the upcoming year, look for
online account opening, web chat and even text banking from your mobile device.
1957
Gesa grows to
975 members and
$230,000 in assets.
Upgraded first office
to 703 Building in
Richland.
The implementation of new products and services are carefully evaluated and
thoughtfully considered with our members in mind. One such program, Gesa
Financial Solutions investment services, was introduced to meet growing
membership need for expertise in financial planning and investing. Many
members have already taken advantage of this service.
Already in 2011 we’ve rolled out Long Term Care Insurance, Lifestyle Loans and
new home construction loans—and we won’t stop there! Plans for student
accounts and a Platinum Rewards Visa credit card, are also on the horizon.
You may have also noticed that along with our new branches, our long-standing
branches are getting some attention of their own. Branch upgrades and
remodels are planned in the coming years. Our new offices are designed in an
environmentally friendly fashion with safety, security, and efficiency in mind.
The decisions we make are based on your financial well-being—that’s the credit
union difference. Thank you for your membership. Together we’ve built a strong
financial cooperative.
Christina C. Brown
Christina C. Brown
President/CEO
1
1959
Gesa grows to
$600,000 in assets and
hires first full-time
manager.
1963
Membership
grows to 3,000,
assets grow to more
than $2 million.
Gesa purchases first
member-owned
building.
1971
Message from the Chairperson
STRENGTH Es cal a te s Fi nanc i al GRO W TH
Celebrating $1 BILLION IN ASSETS
Membership grows to
4,600 and $7 million
in assets. Gesa moves
into 723 The Parkway.
First manager retires.
Gesa hires new
1977
manager.
T
he history of Gesa tells an incredible story of team spirit and solidarity.
Inspiration to succeed in our community started back in 1953, when
consumer loans were needed but difficult to attain. Luckily, the members of
General Electric Supervisor’s Association (G.E.S.A.) had the fortitude to find
a working solution to help the people of the Tri-Cities. Over the next fiftyseven years, Gesa evolved to become a well-capitalized, full-service financial
institution with nearly 100,000 members. We now serve members in 10 local
branches throughout Eastern Washington as well as seven high school campus
offices in the Tri-Cities area.
Gesa opens its first
Kennewick branch.
1981
With $57 million in
assets and 21,000
members, Gesa
Headquarters moves
to Goethals in central
Richland.
We reached new heights at the end of 2010 with over $1 billion in assets.
And this happened two years ahead of our projections. How we achieved this
milestone is where our story truly begins. It all stems from our vision, to enrich
the lives of members and communities. Over the years, we have dedicated our
efforts to help members realize dreams, to become a leader in youth financial
literacy, and to share our passion for supporting the communities we serve.
1983
Membership is opened
to Select Employee
Groups. New telephone
account access, Call-24,
and Visa Credit Cards
implemented.
Our financial strength and popularity continues to soar! Our membership
grew substantially over 8,000 to 98,000 members by year-end, a testament
to the value our credit union offers to the people of our community. Deposits
increased over $85 million. These past few years have seen turmoil in financial
markets, but thanks to our loyal members and solid business practices, we
remained a profitable institution, boasting nearly $6 million in net income last
year while maintaining a strong capital position.
1992
Home Equity Loans
introduced.
2
We’ve become known as a lender of choice as evidenced by our tremendous
loan growth of over $160 million in 2010. Our members came to us in droves
for business loans, home loans, auto financing needs as well as credit cards at
a time when other lenders were pulling back or making unfavorable changes.
Business is booming with our Venture Business suite of services. You’ve
trusted our organization for your personal needs, and now our business owner
members have put their faith in Gesa.
In addition to increasing our membership, loans and assets, we also expanded
our services with hi-tech ATMs, new and improved offices, and many other
worthwhile programs that ultimately enhanced your financial experience at Gesa.
Over the past 57 years we have evolved to become a leader in financial youth
education, a sponsor and volunteer for many community groups and events,
a good steward for our environment, and a nurturing place to manage your
finances where you feel you belong. Your Board, volunteers and employees
at Gesa take great pride in bringing you a renewed banking experience, and
we sincerely thank you for your continued support by choosing us as your
financial partner.
William J. Melberg
William J. Melberg
Chairperson of the Board
S U C C E S S . M I L E S T O N E . C E L E B R AT E .
1995-1999
2010... A Year to Remember
I
n 2010 we reached new heights and found ourselves celebrating
momentous milestones. But even as we continue to increase membership
and raise your credit union’s assets, you can rest assured we’ll never lose
sight of what matters most, our passion to deliver excellent service, being a
good steward of our environment, and contributing to the well-being of the
communities where we live and do business.
By closely understanding your needs and remaining relevant to your
financial life, here’s how we delivered an “above and beyond” experience
at Gesa in 2010.
“Mystery Shop” Tells All — We constantly strive to provide a
remarkable experience, now it’s been affirmed. Last year Gesa employees
were put to the test when undercover “shoppers” came in and posed as
members or potential members. The results are in, and we’re proud to say
service scores reached a new high. Once again, Gesa employees live true
to our tagline, “It’s not where you bank. It’s where you belong.”
Money Protection Increases — We’re pleased to report your Share
Insurance Protection has been permanently increased to $250,000 by
the NCUA.
New and Improved Offices — Our contributions to the community
were well worth the investment, and we retuned the favor with a
newly remodeled branch and two new LEED® (Leadership in Energy and
Environmental Design) certified offices for your banking convenience.
Introducing... AToM — We gave our ATMs a whole new attitude
with AToM, a techno machine who remembers you by name and lets you
customize your settings to your delight.
Gesa adds many
services; educational
seminars, website,
Visa Check Card,
walk-up ATMs and
online account access
through Gesa@Home.
Members Trust Gesa — When it came time to ask for help in
financing your dream home or that sweet ride you’ve been eyeing on
the road, Gesa was there every step of the way and delivered some
remarkable results.
u718 Real Estate Loans totaling $110.6 million
u10,778 Indirect Loans totaling $257.3 million
u8,652 Direct Consumer Loans totaling $92.2 million
Businesses Flock to Venture — Business is good in Gesa country and
members responded with an overwhelming interest in our business services.
1997
uAdded over $13 million in new business deposits uGranted 94 new Member Business Loans totaling $32 million
Gesa converts from
a federal to a state
chartered credit union
to allow for growth
and expansion.
Membership opens
to anyone who lives,
works, worships or
attends school in
Benton or Franklin
Counties.
Paving the Way for Financial Literacy — Gesa has become
a prominent leader with youth financial literacy in Washington. We
continue to expand and offer high school students practical hands-on
work experience with the addition of 3 new High School Credit Unions
(Kennewick, Kamiakin, and Southridge).
We’re also very active with Junior Achievement and our employees
helped raise over $11,500 last year. Having such close ties to students,
it seemed only logical to implement a private student loan solution.
Through our partner, Student Choice Network, we’ve already approved
over $2.4 million in loans.
Extra, Extra — We launched a new member focused newsletter called
Gesa At A Glance to keep you plugged in with Gesa specials and news.
1997
The West Richland
office opens to serve a
growing community.
Recognition is Welcomed — Gesa wins “Best in Show” at the
Washington Credit Union League Marketing Spectrum Awards and a
“Green Award” from the City of Richland for our efforts to protect the
environment by building a LEED® certified office.
3
2000
TECHNOLOGY. I N N O VAT IO N . E F F ICIEN C Y. Gesa is the second credit
union in the state to
sponsor a high school
credit union. Gesa
merges with Wa-Two
FCU in Walla Walla and
granted charter to
serve that community.
E
very day we look for new and inventive ways to better
serve you. From anticipating how technology will evolve to
embracing innovative services, rest assured we’re striving to make
a meaningful impact on the lives of our members. Here’s a look at
some of our exciting new programs introduced in 2010.
uAutomated Cash Dispensers — Available at drive-thru
and select branches to speed up teller transactions.
uFree Coin Counter — Cash in your loose change at any
teller station with no hassles and no charge... and don’t
forget to tell the kids.
2001
Gesa expands and
opens a new full-service
Kennewick and Pasco
branch with drive-thru
tellers and ATMs.
uMember Web Stations — Skip the coffee shop run!
Stop by select branches anytime to take care of your
banking needs online with one of our private computer
kiosks. We’ll supply the coffee for free!
uBiometric Safe Deposit Box Access — Top level
security, and your assets are safe and sound. Self-serve at
select branches with a scan of your fingerprint.
REMODEL. E X PA N S I O N . CO N V E N I E N C E.
2002
Second high school credit
union opens at Hanford
High in Richland.
G row i ng to S e r ve Yo u B e t te r
T
he past several years we’ve seen many financial institutions downsize or
close their businesses entirely. At Gesa, we’re happy to report our credit
union is thriving, our membership is growing, and we’ve been expanding
and upgrading our offices to serve you better.
Gesa attains a new
milestone with $500
million in assets. Gesa
nearly doubles in size.
Not only do we have more branch locations, you can take pride knowing
your credit union has designed our new offices with environmentally
efficient systems. 2010 was a year to celebrate.
uSouth Richland Branch/Headquarters — Grand Opening, January 2010
2004
Gesa merges with
Apple Valley CU in
Wenatchee.
Co m m i t te d to S e r v i n g E xce l l e n ce
uSouth Kennewick Branch — Grand Opening, March 2010
u Richland Branch — Remodel and Open House, August 2010
4
2005
eSERVICES
Serving up a New Way to Bank
Third High School CU
opens. New branch is
built for Wenatchee
members.
A
s technology keeps evolving, so does our eServices that help you manage your accounts
with the greatest of convenience and top-notch security.
2006
Gesa builds a new
full-service branch in
West Richland.
Experience a whole new way to bank ‘cause there’s a new kid in town, AToM the ATM.
Nicknamed for his sci-fi brain and warp speed, he’ll save you time and you’ll have fun.
u
u
u
u
u
He welcomes you by name
He knows how to speak your language
He remembers how you like your money (preset "fast cash" amount)
He deposits checks without envelopes or deposit slips
He even knows if you want a receipt (another preset preference)
2007
At Gesa we continue to bring you the most innovative services that help manage your finances from anywhere you travel. Whether it’s
conducting business on our website and utilizing Gesa@Home, on-the-go with GesaMobile, making purchases with your check card or
saving a tree with eStatements... you have access to your accounts and loans 24/7.
GREE N INITIATIVE S
Work i n g Ha rd to Prote c t O ur Com muni t y
A
2008
s we build and remodel our member branches, we are committed to
incorporating environmental sustainability into everyday business practices and
decisions. We now have two LEED® (Leadership in Energy and Environmental Design)
certified buildings, one in South Richland and a second in South Kennewick. Our
passion for protecting our environment and communities was recognized by the City
of Richland with a Green Award.
Looking beyond our energy-efficient buildings, we encourage members to join
our green efforts by signing up for eStatements. Together, we can reduce paper
clutter and unnecessary destruction of our trees— all the while you’ll be saving
yourself a little time and money.
Gesa is “LEED CERTIFIED “
in South Richland and South Kennewick
5
Gesa opens a new
branch in South
Richland and builds
a new branch in
Walla Walla. Board
of Directors hire a
new President/CEO.
Mortgage Specialists
join Loan Department
and eStatements are
introduced.
Assets grow to over
$800 million with
the merger of Walla
Walla Valley FCU.
Gesa opens a second
branch in West Pasco
boasting the first Gesa
deposit-taking ATM.
Business Lending is
introduced.
YOUTH. E D UC ATI O N . S UCC E S S .
Em p owe ri ng H i g h S c ho o l S t u de nt s
E
In addition to running their branches, students also create
ID Theft programs, Getting Ready for College seminars,
and other similar programs to help educate their fellow
classmates.
ven as our business soars, supporting our community
is still the most uplifting. Ten years ago, we embarked
on a new mission: To enrich high school students with
financial literacy through applicable real-life practices.
The solution? Establish credit unions on campus that are
run by selectively trained students and powered by Gesa.
The success of this program lies within the students. We
have continued to grow and expand every year, and now
Gesa has 7 on-campus branches boasting the most high
school credit unions in the State of Washington. Hard
work and dedication drives this youth outreach program,
one that has become a very rewarding legacy at Gesa.
Today our high school outreach program has grown
tenfold, thanks to the many dedicated students, teachers
and Gesa support teams. Gesa supplies equipment,
computer systems, and operational knowledge on how
to run the branch. With guidance from their teachers and
Gesa’s Education Specialist, the students handle teller
transactions, new accounts, and plan creative promotions
to grow and expand membership.
SOUTHRIDGE HIGH SCHOOL
HANFORD HIGH SCHOOL
6
u
u
KENNEWICK HIGH SCHOOL
RICHLAND HIGH SCHOOL
u
u
KAMIAKIN HIGH SCHOOL
PASCO HIGH SCHOOL u CHIAWANA HIGH SCHOOL
COLLEGE SCHOLARSHIP PROGRAM
E
very year we are overwhelmed by the achievements
we see in our Scholarship Program applicants. Not only
are the students excelling in academics, but carry a sense
of pride for enriching their community and succeeding
on many school teams and extra curricular groups.
Gesa has been offering scholarships to college students
for more than two decades through colleges and
universities throughout the State of Washington. Since
1987, Gesa has awarded over $150,000 in scholarships to
deserving local students.
Re wa rdi ng D ri ve n S c ho l a r s
Recipients of this year’s educational scholarships were
honored at Gesa Stadium in Pasco. After the on-field
presentation, students and their families were invited to
stay for the Dust Devils Baseball game.
In addition to Gesa’s scholarship program, Private Student
Loans are available for members and their families who
plan to attend a university, or four year degree-granting
program. We understand the importance of seeking
a higher education and want to help you pursue your
dreams.
GESA AWARDS 10 EDUC ATIONAL SCHOL ARSHIP WINNERS A YEAR
STUDENTS HONORED AT THE DUST DEVILS BASEBALL GAME, GESA STADIUM IN PASCO
7
2009
PASSION. DEDIC ATION. GRATIFIC ATIO N .
Co nnec ti ng wi th o ur Co mmuni ti es
Gesa builds a new
LEED-certified
headquarters/branch
in South Richland.
New South Kennewick
Branch opens and
the fourth High
School CU debuts
at Chiawana High
in Pasco. Business
Deposit Services and
Citizenship Loans
are added. Gesa
Financial Solutions is
introduced and Gesa
sponsors a house for
Habitat for Humanity.
T
he greatest rewards in life are unlocked by selfless acts.
Here at Gesa we take pride in our local communities and
charitable partnerships. Gesa is committed to helping Habitat
for Humanity and Junior Achievement through monetary
pledges, fundraisers, and volunteer hours. Our dedication to
the financial education of our communities is evident by our
complimentary financial education seminars.
With offices in the Tri-Cities, Walla Walla and Wenatchee,
Gesa has made a great impact in these communities through
participation with Chamber of Commerce events, local expos
and fairs, no-cost financial education, community sports
teams, such as the Tri-Cities Dust Devils, and the promotion of
higher education for our youth.
Here’s just a few highlights from our volunteer efforts in 2010.
2010
Gesa reaches
$1 billion in assets!
uFinancial Literacy — We continue to expand our seminar
offerings such as Home Buying 101, Women and Money,
Raising Money-Smart Kids and more! Nearly 500 members
attend our free seminars each year.
u
Junior Achievement — Junior Achievement is the
world’s largest organization dedicated to inspiring and
preparing students to succeed in a global economy.
Nineteen of our Gesa employees volunteered their time to
teach financial lessons in schools for a variety of grade levels,
and staff successfully raised funds throughout the year.
u
Habitat for Humanity — Last year we gathered a
women’s Gesa team to participate in a special homebuilding program where they teach women how to build
homes and make a difference for those less fortunate.
u
Balloon Stampede — Gesa was the Title Sponsor
for the Walla Walla Balloon Stampede. The Balloon
Stampede is an annual community event that we are
proud to be a part of.
THE SPIRIT OF GIVING... IMPAC TING LIVES ONE DAY AT A TIME
HABITAT FOR HUMANITY
8
u
BALLOON STAMPEDE
u
FINANCIAL LITERAC Y
u
J U N I O R AC H I E VE M E N T
S UP E R V I S O R Y COM M IT T EE
Re p o r t
I
t is the responsibility of the Supervisory Committee
of Gesa Credit Union to monitor the financial safety
and soundness of the credit union and to oversee
compliance with various financial and regulatory
requirements.
In the opinion of the Committee, Gesa Credit Union
has conducted business in a fiscally sound manner in
accordance with applicable federal regulations and
Washington State law relating to credit unions and
the Gesa Credit Union bylaws.
In the process of reaching this opinion, we engaged
the services of the independent public accounting firm
of Clifton Gunderson LLP. They performed an opinion
audit of Gesa Credit Union’s financial statements, as
of September 30, 2010. Copies are made available
upon request. The firm tests whether the financial
statements are free of material misstatement,
assesses accounting principles used, evaluates the
overall financial statement presentation, and reviews
internal controls. A key component of the internal
control is the internal auditors.
The internal auditors meet with the Supervisory
Committee monthly to review internal audit reports,
financial statement trends, information protection
status, potential fraud issues, risk assessments, and
internal control practices. The Committee also closely
monitors the results of the regular state examination.
The support and cooperation from the Board of
Directors, management and staff has assisted us in the
performance of our duties and is greatly appreciated.
It has been a privilege to serve as chairperson of the
Supervisory Committee.
Respectfully submitted,
Kimberley Pierret
Kimberley Pierret
Chairperson
9
Sta tements of
B o a rd o f
DI R EC TO RS
FIN AN CIAL CON DIT IO N (Audited)
September 30, 2010 and 2009
ASSETS Cash and cash equivalents Investment securities:
Available-for-sale
Held-to-maturity Other investments Federal Home Loan Bank stock Loans held-for-sale Loans to members, net of allowance for loan losses Accrued interest receivable Collateral in process of liquidation Premises and equipment, net NCUSIF deposit Deferred compensation investments Other assets 4William J. Melberg, Chair
4Gregg L. Andrews, Vice Chair
4William W. Roberts, Jr., Secretary
4Iris Anderson, Director
4Stephen O. Arneson, Director
4Manuel Chavallo, Director
4Robert K. Follett, Director
4Paul A. Korstad, Director
4Peter T. Smith, Director
TOTAL ASSETS CO M M IT T EE
4Kimberley Pierret, Chair
4Michael Saffell
4Kevin Sullivan
10
—
68,892,367 51,208,000 1,090,818 2,756,067 720,300,153 2,678,597 562,196 48,834,567 8,167,551 4,272,116 2,021,541 $
59,987,150
13,265,735
132,437,295
75,597,834
903,400
1,765,320
549,239,604
3,091,464
463,786
41,756,793
6,586,913
4,006,876
2,273,721
$ 891,375,891
$ 884,710,838 3,773,771 24,577 7,199,772 3,278,120 $ 797,805,199
5,855,855
35,494
6,812,232
2,599,961
898,987,078 813,108,741
MEMBERS’ EQUITY - substantially restricted
Regular reserve Undivided earnings Accumulated other comprehensive loss 8,916,147 75,795,187 (3,182,905) 8,916,147
71,938,237
(2,587,234)
TOTAL MEMBERS’ EQUITY 81,528,429 78,267,150
TOTAL LIABILITIES AND MEMBERS’ EQUITY $ 980,515,507 $ 891,375,891
4Irina Galikeeva
69,731,534 2009
$ 980,515,507 LIABILITIES AND MEMBERS’ EQUIT Y
LIABILITIES
Members’ share and savings accounts Outstanding official checks Accrued interest payable Accrued expenses and other liabilities Deferred compensation liabilities S u p e r v iso r y
$
2010 TOTAL LIABILITIES For complete audited financial statements, please visit a Gesa branch.
Sta tements of
EXECUTIVE M anag e me nt
O PERATI O NS (Audited)
Christina C. Brown
Years Ended September 30, 2010 and 2009
President & Chief Executive Officer
Don Miller
INTEREST INCOME Interest on loans to members Interest on investment securities and cash equivalents $
TOTAL INTEREST INCOME 2010 36,072,418 5,729,172 41,801,590 $
2009
27,336,536
10,340,852
Senior Vice President, Finance & Operations
37,677,388
Jim Delyea
Brett Jorgenson
Senior Vice President, Lending
Senior Vice President, Sales & Marketing
INTEREST EXPENSE
Dividends on members’ share and savings accounts NET INTEREST INCOME 10,172,745 31,628,845 12,618,124
25,059,264
Steve Oord
Vice President, Operations
PROVISION FOR LOAN LOSSES NET INTEREST INCOME AFTER PROVISION FOR
LOAN LOSSES 6,356,752 5,848,208
25,272,093 19,211,056
NON-INTEREST INCOME
Fees and charges Gain on sale of loans held-for-sale Gain on sale of investments Loss on sale of premises and equipment Other non-interest income TOTAL NON-INTEREST INCOME 5,899,273 862,582 443,196 (22,168) 4,430,993 11,613,876 4,795,740
363,055
—
—
2,950,018
8,108,813
NON-INTEREST EXPENSE
Compensation and benefits Occupancy Operations Professional and outside services Advertising and promotions Loan servicing NCUSIF premium assessment Impairment of Corporate Credit Union capital accounts Other expense 17,361,288 2,259,228 4,231,391 2,941,108 1,482,773 1,480,443 2,181,618 134,834 956,336 14,350,733
1,398,231
3,375,980
2,465,687
1,080,535
973,184
1,146,565
3,761,799
1,042,324
TOTAL NON-INTEREST EXPENSE 33,029,019 29,595,038
NET INCOME (LOSS) 3,856,950 $ (2,275,169)
$
For complete audited financial statements, please visit a Gesa branch.
Chief Financial Officer
Jerry Sims
Terri Salinas
Vice President, Risk Management
LEADERSHIP Te am
Ben Rutledge, Assistant Vice President, Business Lending
Chris Taylor, Assistant Vice President, Consumer Lending
Karl D. Guynn, Assistant Vice President,
Information Technology
Tim Andrew, Assistant Vice President, Marketing
Randy Wacker, Assistant Vice President, Mortgage Lending
Jeff Gegen, Assistant Vice President, Operations
Ed Allen, Assistant Vice President,
Tri-Cities Regional Manager
Jim Gillard, Assistant Vice President,
Destination Branches Regional Manager
Richard Waddle, Controller
Sandra Raines, Manager, Human Resources
Debbie McKinnon, Manager, Solution Center
Angie Henderson, Manager, Training & Education
11
Matthew McFarland Photography
Reaching New Heights
4Business Accounts
4Business Services
4Business Loans
4Business Visa Credit Card
4SBA Loans
4Checking Choices
4Visa Check Card
4Overdraft Protection
4Web Banking
4Online Bill Payer
4Worldwide ATMs
4Mobile Banking
consumer & home loans
4Savings
4Money Market Accounts
4Certificate Accounts
4Individual Retirement Plans
4Retirement &
Investment Services
4Long Term Care
checking & services
venture business
savings & retirement
A Bird’s Eye View of Our
PRODUC TS & S E R V I C E S
4Personal Loans
4Auto Loans
4Boat & RV Loans
4Visa Credit Cards
4Lifestyle Loans
4Student Loans
4Home Loans
4Home Equity Loans
RICHLAND
WEST RICHLAND
KENNEWICK
SOUTH KENNEWICK
51 Gage Blvd.
Richland, WA 99352
Branch Manager
Denise Sitter
825 Goethals Dr.
Richland, WA 99352
Branch Manager
Sandra Loera
4755 Paradise Way
West Richland, WA 99353
Branch Manager
Bev Kippes
100 N. Huntington
Kennewick, WA 99336
Branch Manager
Kara Simpson
4500 W. 27th Ave.
Kennewick, WA 99338
Branch Manager
Jaleh Flinders
PASCO
WEST PASCO
WALLA WALLA TIETAN
WALLA WALLA POPLAR
WENATCHEE
2202 W. Sylvester
Pasco, WA 99301
Branch Manager
Jennifer Sanchez
5426 N. Road 68
Pasco, WA 99301
Branch Manager
Melissa Kanabrocki
1603 Penny Lane
Walla Walla, WA 99362
Branch Manager
Jessica Hanson
1355 W. Poplar St.
Walla Walla, WA 99362
Branch Manager
Tammy Dibble
1005 N. Wenatchee Ave.
Wenatchee, WA 98801
Branch Manager
Patty Galloway
INVESTMENT SERVICES
Toll-Free: 877.499.3380
Tri-Cities: 509.378.3380
gesa.com/investments
It’s not where you bank. It’s where you belong.
gesa.com
Corporate Headquarters
888.946.4372
51 Gage Blvd.
509.946.1611
Richland, WA 99352
Cover Photo by Matthew McFarland Photography
SOUTH RICHLAND