PHILOSOPHY & MISSION
DELIVERING SERVICE THAT IS “DIFFERENT” AND SECOND TO NONE.
“No matter your need, whether big or small, members should continue to expect the “Bridge Difference” consistently - every member, every interaction, every time.”
Jarod N. Bach, President/CEO
MISSION STATEMENT
Bridge was founded on the principle of People Helping People. We are driven to understand our members’ needs, goals, and dreams while exceeding expectations with every interaction. Our focus is to deliver the Bridge Difference to our members and the communities we serve.
BRAND PRINCIPLE
“Experience the Bridge Difference”
PRESIDENT/CEO MESSAGE
As we reflect on the past year at Bridge Credit Union, I’m incredibly proud of what our team has accomplished together. Our progress is the result of a clear and consistent focus: embracing our values, engaging our members, and empowering our team. These principles guided our work throughout 2025 and continue to shape our path forward.
Over the past year, we made meaningful improvements across the organization by focusing on the values that define the Bridge difference: Quality, Transparency, Teamwork, Motivation, Accountability, and Connection. We strengthened internal processes, improved change management, and standardized many of our systems to create greater consistency and efficiency. At the same time, we invested in our technology infrastructure and enhanced network and member security to better protect and serve our members.
While these operational improvements are important, our success is ultimately measured by the relationships we build with our members. In 2025, we challenged ourselves to engage members in every interaction, and our team delivered exceptional results! Loan production reached an all-time high for Bridge Credit Union. Mortgage lending experienced particularly strong momentum, with nearly $17 million in first mortgage originations compared to just over $3 million the previous year. Home equity lending also surged, with 195 HELOCs closed during the year. On the deposit side, our members demonstrated tremendous trust in Bridge. Our branches generated $30 million in new share deposits, significantly exceeding our goal and nearly tripling the amount generated in the prior year.
As a result of this growth and performance, Bridge Credit Union has reached an important milestone. Our assets have now surpassed $250 million, loans have grown to $161 million, and shares have reached $221 million. This growth places Bridge in the top quartile for growth among Ohio credit unions. While these numbers are impressive, they represent something even more meaningful, the trust our members place in us and the dedication of our team. Looking ahead, we are entering the next phase of our long-term strategy: Bridge 2030. In the coming years, we will focus on expanding our reach, strengthening our member relationships, and deepening our impact in the communities we serve. We will also continue refining our marketing and business development strategies to ensure our message clearly communicates the value of membership at Bridge Credit Union.
As I reflect on everything our team accomplished this past year from operational improvements to record financial performance, I’m reminded that none of this happens without the dedication, professionalism, and passion of our employees.
To our team: Thank you for the work you do every day to serve our members and represent the Bridge difference.
To our members: Thank you for your continued trust in Bridge Credit Union. The future is bright, and together we will continue building something truly special.
Jarod N. Bach, President/CEO
SENIOR EXECUTIVE TEAM
Amy J. Robinette
VP/Chief Financial Officer
Amy has been with Bridge Credit Union for 7 years. She has over 24 years of experience in the credit union industry. Amy brings extensive expertise in financial management, strategic planning, and operational leadership. Her dedication helps drive financial growth and innovation, ensuring an exceptional experience for members.
Brandynn Adams VP/Chief Experience Officer
Brandynn’s career in the financial services industry spans over 30 years. She received her Bachelor of Arts in Communication and English from the University of Toledo. Brandynn serves on the Ohio Credit Union League’s PAC Board. She is also a Certified Credit Union Executive (CCUE).
Jeff Christensen VP/Chief Information Officer
Jeff has been employed at Bridge since January 2021. He has over 27 years of experience in the credit union industry. He loves spending time with his family, enjoys golfing, and also dabbles in real estate. Jeff has his degree in Computer Science and is a Certified Network Engineer.
Michael Piscioneri VP/Chief Lending Officer
With 16 years in the credit union industry, Mike is passionate about helping people achieve their financial goals. He enjoys spending time with his family, watching his girls dance, coaching his son’s baseball team, and discovering great food on his travels.
SIMPLE & PROACTIVE VALUES
Our Vision is to transform the communities we serve by delivering value through financial empowerment, education, and engaged relationships. At Bridge we are Quietly - Trying - To - Make - A- Change!
QUALITY
We deliver excellence with every member, every interaction, every time.
We collaborate utilizing our shared ideas and knowledge to deliver the Bridge Difference - No Silos!
We are different with our member interactions; providing simple, straight-forward answers with integrity and empathy at the heart of every response.
We deliver product offerings, processes, & solutions with a sense of urgency making our members’ needs our top priority.
We take ownership for our actions and our results by proactively supporting the financial well-being of our members.
We stay connected with our members, stay on top of relevant issues, and meet the needs of the communities we serve.
INDEPENDENT AUDITOR’S REPORT
GBQ Partners performed an audit of the financial statements of Bridge Credit Union as of December 31, 2025 and 2024. We have audited the financial statements of Bridge Credit Union, which comprise the statements of financial condition as of December 31, 2025 and 2024, and the related statements of income, comprehensive income, changes in members’ equity, and cash flows for the years then ended, and the related notes to the financial statements.
In our opinion, the accompanying financial statements present fairly, in all material respects, the financial position of Bridge Credit Union as of December 31, 2025 and 2024, and the results of its operations and its cash flows for the years then ended in accordance with accounting principles generally accepted in the United States of America.
The audited financial statements and report of Independent Certified Public Accountants may be viewed at the main office - located at 10567 Sawmill Parkway, Suite 100, Powell, Ohio 43065.
GBQ Partners LLC
Certified Public Accountants
CONSOLIDATED STATEMENT OF FINANCIAL CONDITION
CONSOLIDATED STATEMENT OF INCOME
CREDIT COMMITTEE REPORT
The Bridge Credit Union Credit Committee is accountable for safeguarding credit union member’s savings while balancing the member’s need to borrow. The committee works closely with the Board of Directors and Management to promote Bridge as a member’s first choice when borrowing money. Loan approval is based on the member’s creditworthiness, capacity to repay the loan, and collateral. Bridge Credit Union continues to provide member loans at very competitive interest rates. 2025 was a year of unprecedented growth for Bridge with delinquency remaining low throughout the year.
Our success is proven by more members choosing us as a lending option. In 2025 the Credit Committee and Loan Officers reviewed 6,714 loan requests, closed 2,688 loans, and successfully funded a total of $61,234,080 in loans. Our loan portfolio totaled $161,270,080 at 2025 year-end. Our commitment to serving the ever-evolving financial needs of our membership remains strong, and I am privileged to lead a passionate and talented group of individuals. The Credit Committee members are: Chairperson Jarod Bach, Michael Piscioneri, William McClure, Raina Oates and Alternate: Aimee Harris
Jarod Bach, Credit Committee Chairperson & President/CEO
TREASURER REPORT
◊ Assets increased to $250,853,261 - an increase of 8.41% from 2024.
◊ Shares totaled $221,015,378 - up 8.15% from 2024.
◊ Finished the year with a strong 10.24% capital to assets ratio. This ratio represents the equity we have built. Equity provides a safety net during economic hard times.
◊ Loans to members ending at $161,270,080 resulting in an increase of 18.5% from 2024
◊ Loan to share ratio for 2025 was 75.44%.
◊ Loan portfolio is very sound with a delinquency ratio of 0.57%.
Kathy Ludowese, Treasurer
AWARDS, ACCOMPLISHMENTS & COMMUNITY INVOLVEMENT
2025 was a landmark year for Bridge Credit Union, defined by physical growth, digital innovation, and a deepened commitment to the communities we serve. We celebrated the grand reopening of our Eaton location with a community ribbon-cutting, debuting a modern space. We aired a new 30-second TV commercial filmed at our Eaton branch to showcase our products and services and to highlight our local team. Our CEO, Jarod Bach had a featured interview segment which aired on the Good Day Dayton lifestyle television program.
We enhanced our mobile app and online banking with Multi-Factor Authentication (MFA) to provide an extra layer of protection for our members. To further enhance our technology and internal processes, we hosted a collaborative strategy session with CU Answers and other credit union professionals at our corporate office. In Yellow Springs, OH, we launched our Shop Local, Earn More initiative designed to incentivize local spending while supporting the Yellow Springs area non-profits.
Our partnership with ABC/Fox Dayton led to the launch of the Money Cents television commercials which included topics about budgeting, the importance of managing credit, obtaining home loans, and more!
For the first time, we had a vendor booth at the Ohio State Fair in Columbus, OH. Our booth was one of the featured financial institutions and sponsors for the College Day theme. The Ohio State fair attracts over 800,000 visitors each year.
We participated in community events and sponsored several key initiatives throughout the year:
• Sponsor for the Bill Shantz Memorial Golf Outing in Powell, OH
• Sponsor for the Veterans Day Luncheon and Community picnic in Brookville, OH
• Sponsor for the YS regional chamber with Glen Helen Nature Preserve in Yellow Springs, OH.
• Donated one of our company vehicles, to the Tunnel of Towers Foundation.
Our dedication was recognized with some awards and featured highlights:
• Ranked #1 on the list of the Fastest-Growing Central Ohio Credit Unions by Columbus Business First-for the third year in a row!
• Ranked #8 on the list of the Top 15 Fastest-Growing Credit Unions in Central Ohio for Residential Real Estate Lending by Columbus Business First.
• Our Struthers branch won The Vindicator Readers’ Choice Silver Awards for Best Credit Union
These achievements are just a glimpse of what we accomplished in 2025. As we look ahead in 2026, we remain dedicated to delivering relevant financial solutions, exceptional member service, & meaningful community support.
Experience the Bridge Difference!
PRODUCTS, SERVICES & CONVENIENCE
Online Banking
Manage your money anytime with our Online Banking. Simply visit our website and log in to our secure online banking portal to check balances, transfer funds, and set up account alerts, all while on the go. With 24/7 access, you’ll have the flexibility and control to stay on top of your finances.
Bridge Credit Union Mobile App
Our app is available to download on various platforms. This tool delivers the technology, convenient digital access, and robust features to help meet the changing needs of our members. You can apply for loans, pay bills, make deposits, control credit/debit cards and much more - right from your phone.
DOWNLOAD OUR APP
Scan the barcodes to be taken to our online banking portal, or to download our app. Banking convenience is only a few steps away!
REWARDS PROGRAM
Get more value out of your membership with our ConnectMORE loyalty program. There are three tier levels. The first level is Pearl, the middle level is Silver and the top tier is Royal. The more services you use, the more rewards you get such as lower loan rates, higher savings rates, and other great perks!
STAY CONNECTED
Social Media
Stay connected with us on various social media platforms. Follow us to be notified about our current promotions, find out when we will be out in the community, hear about important updates & announcements, and learn about the fun things our staff is doing!
Scan the barcode to follow our social media channels. Like, Comment, and Share!
PRODUCTS, SERVICES & CONVENIENCE
PERSONAL BANKING
CHECKING
• Crystal Free: Free, simple and classic
• Diamond Dividends: Our interest earning checking account – it pays you!
• Clear Path: Clear your path with Bridge as your guide.
SAVINGS
• Christmas Club Savings: Reduce the stress of the holidays.
• Special Savings: Secondary savings account for that special thing or event
• Money Market Savings: The more you save, the more you earn.
• Primary Savings: Open a primary savings account and you are on your way.
• IRA: Flexible IRA options to help you save for retirement with confidence
• HSA: We offer a variety of HSA options.
BUSINESS BANKING SOLUTIONS
CHECKING ACCOUNTS
• Streamline your day-to-day transactions with our flexible online account options.
• Access powerful online banking tools to manage your finances anytime, anywhere.
BUSINESS SAVINGS AND INVESTMENT ACCOUNTS
• Grow your business’s financial reserves with our competitive savings and investment options.
• Benefit from attractive interest rates and a variety of term lengths to meet your savings goals.
LOANS AND LINES OF CREDIT
• Gain access to capital for expansion, equipment purchase, or working capital needs.
• Our experienced lending team will work closely with you to structure a loan that fits your business. BILL PAY
• Easily manage and pay your bills online.
LOANS WITH A PERSONAL TOUCH
VEHICLE LOANS
• New and Used Auto Loans: We have the right low-rate auto loan for you. Whether you are looking to buy a new (or new to you) vehicle or you want to save money by refinancing - Bridge has you covered!
• Recreational Vehicle Loans: Roam free with feature-filled financing on RVs, motorcycles, boats, and off-road vehicles.
HOME LOANS
• First Mortgages: We’ve made home buying simple by offering a wide variety of products with excellent rates.
• Home Equity: Use your home’s equity to pay off debt, finish a home improvement project or take a needed vacation - we offer a variety of terms or even a line of credit. You pick the product that suits your needs.
CREDIT CARDS
• Platinum Visa® Credit Cards: Get rewards just for making your everyday purchases. You choose the credit card and the rewards that are right for you.
MEMBERSHIP ELIGIBILITY
Membership is available to those who live, work, or worship in one of the following Ohio counties:
• Champaign County
• Clark County
• Columbiana County
• Darke County
• Delaware County
• Fairfield County
• Franklin County
• Greene County
• Licking County
• Madison County
• Mahoning County
• Miami County
• Montgomery County
• Pickaway County
• Preble County
• Trumbull County
• Union County
American Consumer Council (ACC)
ACC eligibility may be used for individuals or businesses located in the State of Ohio who do not currently live, work, or worship within our listed counties.
Membership eligibility with our current employer relationships :
• All employees of the Ohio Department of Transportation; the Ohio Department of Youth Services; the Transportation Research Center of Ohio; the Columbus Developmental Center including the Columbus State School and the Office Services Division; Computer Services of the Department of Administrative Services; Ohio Department of Public Safety; Office of Budget and Management.
• Both active and retired employees of the Ohio Edison Company working at or receiving compensation from the Springfield Division and select groups acquired during the merger of Edison Credit Union.
• Twin Valley Behavioral Healthcare and Medical Complex.
• Employees of public transportation agencies, employees and students of businesses in the distribution, logistics, support and services, construction, engineering, transportation, freight, and warehousing sectors in the Ohio counties of: Butler, Hamilton, Knox, and Logan.
• Family members of credit union members.
• Retired employees of each group.
ANNUAL MEETING MINUTES (2025)
Bridge Credit Union Minutes of the 58th Annual Meeting
The fifty eighth (58th) Annual Membership meeting of the shareholders of Bridge Credit Union, Inc. was held at 11:06 a.m. on March 27th, 2025.
Notice of the Annual Meeting was duly distributed and posted as required.
Director Mike McColeman confirmed a quorum with 62 voting ballots received.
Chairperson Ray officially called the meeting to order in accordance with the Code of Regulations to review activity of 2024 and to inform the shareholders of the results of the election of the Board of Directors. A roll call was made with the following members In person and Remote as indicated:
Directors:
J.A. Ray, Chairperson
B.A. Shearer, Vice Chairperson
K.M. Ludowese, Treasurer
D.J. DeNiro, Secretary
M.A. McColeman
B.D. Neely
JA. Audet
S.A. Downs
R.J. Wehner
S. Fowler
W. Petrunak
Associate Directors: J.T. Miller
R. Durick
P.B. Babyak
C. Rother
Director Emeritus: S.M. Grundey
Present
Absent
Absent
Remote
Present
Present
Present
Absent
Present
Absent
Absent
Present
Remote
Remote
Absent
Remote
Chairperson Ray noted everyone remote, and in-person had received copies of the 2024 Annual Report which included the 2023 Annual Meeting Minutes. A motion was made by Director Audet (Director Wehner) to waive the reading of the minutes and to approve them. Motion Carried.
Chairperson Ray referred to the 2024 Annual Report. She stated that all required reports were contained in the 2024 Annual Report. She asked if there were any changes to the reports. There were none. Chairperson Ray asked if there was any unfinished business and new business, there were none. A motion was made by Director Neely (Director McColeman) to approve all reports. Motion Carried.
Director, Mike McColeman, communicated the results of the 2025 Board of Directors Election. There were 62 votes cast which is greater than the required amount for a quorum of 25. All candidates, Ms. Neely, Mr. Wehner, and Mr. Audet were reelected by a combination of online ballots and paper ballots. Chairperson Ray stated that all ballots will be destroyed in 11 months according to the Code of Regulations.
The re-elected Board members will be administered the Oath of Director at the next Board Meeting. A motion to adjourn was made by Director Wehner (Director Audet).
Attested By:
Attested By:
Dan DeNiro, Secretary
BOARD OF DIRECTORS
Thank you for choosing Bridge Credit Union. We are owned by our members and are here to help. We are dedicated to serving our membership in a fair, hassle-free, proactive and transparent manner. We realize you have many banking options available to you. We appreciate the opportunity to serve your needs.
BOARD OF DIRECTORS
Julie Ray Chairperson
Brett Shearer Vice Chairperson
Kathy Ludowese Treasurer
Benita Neely Director
John Audet Director
Mike McColeman Director
Dan DeNiro Secretary Sara Downs Director
Ron Wehner Director
Shari Fowler Director
Bill Petrunak Director
ASSOCIATE DIRECTORS
Jared Miller Associate Director
Robert Durick Associate Director
Paulette Babyak Associate Director Sue Grundey Director Emeritus
SENIOR MANAGEMENT
Jarod Bach President/CEO
Amy Robinette VP/Chief Financial Officer
Jeff Christensen VP/Chief Information Officer
Brandynn Adams VP/Chief Experience Officer
Michael Piscioneri VP/Chief Lending Officer