Auditor's Report
Dear Members:
We performed a financial statement audit on your credit union as of Dec. 31, 2007. The Independent Auditor's Report and related Report of Internal Control Structure Review was issued subsequent to the audit and is on file at the credit union.
A financial statement audit is more extensive than the annual examination requirements as set forth by the National Credit Union Administration. The audit was performed in accordance with generally accepted auditing standards. These standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audit provided a reasonable basis for the opinion in the report.
As part of our financial statement audit, we complete a verification of members' accounts. Your prompt response to our verification requests was greatly appreciated and is an important part of meeting our audit objectives.
Our firm looks forward to working with your credit union again next year.
Sincerely yours,
PETERSON & ASSOCIATES
Steven Peterson, CPA
Managing Partner
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