Board of Directors & Staff

Jack M. Antonini
President & CEO
Jack Antonini was appointed president/CEO of NACUSO in 2010. Jack  was the former President & CEO of USAA Federal Savings Bank and member of USAA’s Executive Council (the top ten leaders of this diversified financial services company), when USAA FSB was recognized as “Best Bank in America” by Money magazine.  Jack was former head of the Consumer Banking Group as well as internet, phone and ATM delivery channels for all lines of business at First Union/Wachovia, one of the five largest banks in America.  Jack previously was Vice Chairman & CFO of FirstUSA, one of the three largest credit card companies prior to its merger with BankOne/Chase.  Most recently Jack was President & CEO of Cardtronics, where he helped grow the  business from 8,000 ATMs and $60 million in revenue to the largest ATM owner/operator in the world with over $500 million in revenue, the largest surcharge-free ATM network, with 6 of the top 10 banks and 7 of the top 11 retailers in the U.S as customers.

1044 N. West Silver Lake Road
Traverse City, MI 49685
Phone: (713) 208-0989
Fax: (949) 645-5297 or

Ray Crouse
Board Chairman
Ray Crouse is the President and CEO of Parsons Federal Credit Union located in Pasadena, California. Ray was recruited to this credit union in 2015 due to his strength in collaboration and strong belief in the credit union system. He has quickly energized this credit union and built a plan to turn around its aging membership. Prior to arriving at Parsons Federal Credit Union, Ray operated his own consulting company, Unity Review which assisted many CUSOs, and Credit Unions with analyzing CUSO opportunities as well as specific investments in CUSOs. Ray was also previously President of Allegacy Business Solutions for Allegacy Federal Credit Union. Mr. Crouse previously served on the NACUSO board 2012-2013 and was re-elected in 2016.

Parsons Federal Credit Union
100 W. Walnut Street
Pasadena, CA 91124
Phone: (626) 243-1344

Jay JohnsonJay Johnson BOD
Board Vice Chair

Jay Johnson is both a Partner/Chief Collaboration Officer with Callahan & Associates and President of Callahan Credit Union Financial Services, LP. He leads the company’s research and analysis of key trends and issues driving credit union performance in the marketplace. Callahan is the premier source of credit union information and innovation, helping the industry to deliver superior value by providing performance benchmarking tools, strategic planning resources and cooperative partnership opportunities. Jay presents credit union performance trends and best practices in lending and deposit strategies, delivery channel management, and technology utilization to regional and national credit union conferences, as well as credit union strategic planning sessions. Mr. Johnson has been a member of the board since 2009.

Callahan & Associates Inc.
1001 Connecticut Avenue, NW
Washington, DC 20036
Phone: (202) 223-3920 ext. 352

Dean YoungDean Young
Board Treasurer
Dean Young is the EVP/Chief Experience Officer at PSCU, which serves the CUSO’s 800 Member-Owner credit unions across the country.  Dean is responsible for leading cross-company collaboration efforts to create the strategy, design, engagement and execution of the CUSO’s member experience, as well as provide an added focus on service excellence and improvement initiatives for all stakeholders. Additionally, he will oversee all marketing and communications efforts.  Dean joined PSCU in 2005 with 15 years of financial services expertise focused on bringing the greatest value to partnerships. Prior to joining PSCU, Dean was a Vice President of Relationship Development for a subsidiary of Bankers Financial Corporation. Under his direction, the subsidiary experienced double-digit revenue growth as well as 95% client retention. During his 12-year career with the firm, he held various relationship development, sales, finance and operational leadership roles.  Mr. Young was elected to the board in 2015.

560 Carillon Parkway
St. Petersburg, FL 33706
Phone: (727) 571-7982

Becky Reed
Board Secretary
Becky Reed is the CEO for Lone Star Credit Union in Dallas, Texas. In her current role, she is responsible for implementing the strategic vision of the Executive Team and Board. In her previous role as COO/CIO at Lone Star Credit Union, she was responsible for managing a core conversion and utilizing technology to create efficiencies for the staff.  Ms. Reed is no stranger to credit unions, with over 20 years of experience at credit unions of varying asset sizes and in various roles, including President and CEO, she understands the unique challenges of the credit union industry. Ms. Reed is also the co-founder of the Credit Union Service Organization, PureIT CUSO and serves as its Board Chairman.  Ms. Reed was elected to the Board in 2018. 

Lone Star Credit Union/PureIT CUSO
7508 Ferguson Road
Dallas, TX 75228
Phone: (214)  217-8112

Bill Beardsley
After nearly a 20 year banking career in Michigan, Bill led the launch of Michigan Business Connection, LC in March 2004 and serves as its president and chief lending officer.  MBC is a collaborative effort by credit unions throughout the State of Michigan to provide small business and commercial real estate financing.  The MBC business model enhances sustainable lending capacity by allowing credit union lenders to share the risks and costs of commercial loan program management while collaboratively providing capital critical to Michigan’s economic prosperity.  Since inception, MBC has helped the credit unions originate and manage more than $750 million in financing for Michigan business owners and real estate investors.  The company is headquartered in Ann Arbor, Michigan.  Mr. Beardsley has been a member of the board since 2017.

Michigan Business Connection
2200 Commonwealth Blvd., Suite #200
Ann Arbor, MI 48105
Phone: (734)926-4250

Tom Davis
Board Director

Tom Davis is the visionary and driving force behind Trellance. With more than 25 years of progressively responsible leadership roles with companies in payments, IT, and software design, Mr. Davis has amassed impressive knowledge, insights, and experience into the specialized needs of credit unions.  Prior to being named President & CEO of Trellance, Mr. Davis was Sr. VP of Finance and Technology for Trellance where he earned an admirable reputation as a passionate proponent of innovation and technology for credit unions. A respected subject-matter expert in finance, technology, payments, and strategic planning, he is skilled at simplifying the complexity involved with the many new technologies that impact credit unions today in the future. Mr. Davis has been a member of the board since 2019.

7650 W. Courtney Campbell Causeway, Suite #900
Tampa, FL 33607
Phone: (813) 901-4552

Phil DuPree
Phil DuPree is the Chief Revenue Officer at CU Direct.  Mr. Dupree leads the automotive vision and oversees all strategic planning, direction, and development of CU Direct’s automotive solutions, encompassing both product and market expansion. He also oversees the sales division, spanning CU Direct’s nationwide presence.  He has over 20 years of experience in the automotive industry, including delivery of innovative technologies, e-commerce, and sales solutions .Before joining the CU Direct team, Mr. DuPree held a number of management positions, including: Executive Vice President of Autobytel, President of AutoUSA and Vice President of E-Commerce for AutoNation.  Mr. DuPree was elected to the board in 2019.

CU Direct
18400 Von Karman Avenue, Suite #900
Irvine, CA 92612
Office: (909) 481-2307

Nick Evens
Nick Evens is the President of The Veridian Group, the wholly owned CUSO holding company of Veridian Credit Union. Veridian is a $3B+ credit union serving over 196,000 members based in Waterloo, IA. The Veridian Group operates two CUSOs, partners in another and has minority investments in additional five CUSOs. Nick manages the portfolio of the five equity investments in CUSO and Fintech related companies and serves on the Board of Directors of four of those companies and across all eight CUSOs have experience in insurance, payroll services, commercial lending, payments, credit cards, marketing and a mobile wallet. Mr. Evens was elected to the board in 2016.

The Veridian Group, Inc.
1827 Ansborough Avenue
Waterloo, IA 50701
Phone: (319) 833-1496

Mike Hales

Mike Hales is a former bank president and credit union consultant. He is a law school graduate experienced in consumer and commercial lending, strategic planning, collaborative business modeling and CUSO design and development. As president of prominent consulting firm Counter Intelligence Associates and a partner with its successor, The Rochdale Group, Mike was instrumental in the creation of sixteen multiple credit union owned business services CUSOs. Mike has served on the NACUSO Board in various capacities, including Chair of the Business Services Advisory Board and chair of the Association’s Governance Committee. Mike is Executive Vice President and Director of Strategic Relationships with CU Revest, LLC, a San Diego based multiple credit union owned CUSO dedicated to the restoration of capital and recovery of qualified credit union members. Mr. Hales was originally elected to the Board in 2005.

CU Revest, LLC
404 Camino del Rio South, Suite #400
San Diego, CA 92108
Phone: (858) 467-7251 or Mobile: (949)291-6363

Matt S. Kardell
Chief Revenue Officer Mathew Kardell joined CO-OP in April 2017, Previously, he was Senior Vice President and General Manager (SVP/GM) of STAR Network Relationship and Sales at First Data Corporation. He is a veteran of the payments and financial services industry with more than 25 years in high-performing revenue-generation and business development roles. At First Data, Matt most recently was responsible for the company’s STAR Network client relationships with merchants and financial Institutions, with network transactions experiencing double-digit percent growth in 2015. Prior to that position, he was SVP/GM of Financial Institution Relationships and New Business Development, managing more than $1 billion in revenue and spanning more than 4,000 financial institutions in North America. In addition, Matt has extensive experience in the credit union space, having managed those strategic relationships during his tenure at First Data. Mr. Kardell has been a member of the board since 2017.

CO-OP Financial Services
9692 Haven Avenue
Rancho Cucamonga, CA 91730
Phone: (909) 296-0054

Stephanie Sherrodd
In 2004, Stephanie joined TDECU-Your Credit Union, the largest credit union on the Texas Gulf Coast serving over 252,000 members with 40 locations. In her last 13 years at TDECU, Stephanie served as Vice President of Retail Delivery, Vice President of Diversified Services, and Executive Vice President and Chief Operating Officer before being named President and Chief Executive Officer in 2012. In this role, Stephanie is responsible for the vision and leadership of the $3.0 billion institution. Stephanie is a Certified Chief Executive of the Credit Union Executive Society. She was named one of the Women to Watch in the Credit Union industry by the Credit Union Times in 2011, and in 2013 was named to the Credit Union Executive Society Board of Directors. She serves on the Board of the Texas Bowl, The Executive Committee for the Brazoria County Economic Development Alliance, and the University of Houston Board of Visitors. Ms. Sherrodd has been a member of the board since 2017.

TDECU – Your Credit Union
1001 FM 2004
Lake Jackson, TX 77566
Phone: (800) 339-1154 ext. 0355

Mary Beth Spuck
Mary Beth Spuck is the President/CEO of Resource One Credit Union. Prior to joining R1 in December, 2017, Mary Beth was the Chief Administrative Officer at TwinStar Credit Union where she oversaw Human Resources, Employee Development, Facilities, Operations, and Administration. In addition to being the CAO at TwinStar, Mary Beth was the CEO of The Paragon Consulting Group, a wholly owned CUSO. Mary Beth’s expertise in leadership, sales, member service, collaboration, and CUSO operations was honed over three decades within the financial services industry.  Prior to joining TwinStar, Mary Beth worked for PEMCO Insurance Company where she managed 45 agents and support staff. Mary Beth started her career in the financial industry with Inspirus Credit Union, formerly School Employees Credit Union of Washington. Ms. Spuck was elected to the board in 2020.

Resource One Credit Union
P.O. Box 660077
Dallas, TX 75266-0077
Phone: (214) 565-5396

Mark Zook
Mark is the President and CEO of Maps Credit Union, a Salem, Oregon-based community chartered credit union. In addition, Mark is the Chief Executive Officer of MaPS Service Agency, Inc., the holding company for the credit union’s subsidiaries including; Credit Union Wireless, Advanced Reporting, Maps Insurance Services and Fi-Linx. His involvement in the credit union and CUSO movement includes service on the Board of Directors of OCUL Services, Inc. (OSI), the Oregon trade association’s services Board, the Board of Managers of Ongoing Operations, a national multi-CU owned business continuity and disaster recovery CUSO, the Board of Managers of the CU Insurance Alliance, a national multi-credit union owned insurance agency CUSO, and the Board of Managers of the Willamette Business Group, a regional multi-credit union owned business lending CUSO. Mr. Zook was elected to the board in 2009.

Maps Credit Union
P.O. Box 12398
Salem, OR 97309
Phone: (503)375-0455

Brian Lauer
General Counsel
Brian G. Lauer is a partner with the law firm of Messick Lauer & Smith P.C. in Media, Pennsylvania where he concentrates his practice on assisting credit unions, primarily through CUSOs, in finding effective ways to work collaboratively with other credit unions and third party service providers to serve their members with non-traditional products and services.  Brian also assists credit unions and CUSOs navigate the sea of regulations affecting nearly every aspect of their day to day operations.  Upon the retirement of Guy Messick at the end of 2020, Brian became NACUSO’s General Counsel in 2021. Brian will continue to serve as a liaison with the NCUA and other regulatory agencies for NACUSO. His law firm maintains a website at  Mr. Lauer has been with NACUSO since 2006.

Messick Lauer & Smith P.C.
211 N. Olive Street
Media, PA 19063
Phone: (610) 891-9000

Bob Frizzle
Chief Financial Officer

Bob Frizzle is Chief Financial Officer of CU*Answers, Inc. CU*Answers, the data processing CUSO from MI, is owned by more than 80 credit unions nationwide. As CFO, Mr. Frizzle is responsible not only for CU*Answers own accounting and financial activities, but he also plays a key role in the independent business units under the CU*Answers umbrella, including its Item Processing arm and WESCO Net. Mr. Frizzle also serves as the CFO for the following CUSOs and Associations: Xtend, Inc., eDOC Innovations, Inc., CU Student Choice, LLC and NACUSO. Mr. Frizzle also sits on the Board of Directors for eDOC Innovations, Inc., and CU*South, Inc. He is also a member of the Management Committee of Processing Alliance, LLC.

6000 28th Street SE, Suite #100
Grand Rapids, MI 49546
Phone: (616) 285-5711

Denise Wymore
Director/Membership & Advocacy Development Officer
Denise started her credit union career over 30 years ago as a Teller for Pacific NW Federal Credit Union in Portland, Oregon. She moved up and around the org. chart working in every department except for IT. She landed the VP Marketing at First Tech CU where she promptly changed her title to VP Cult-ivation.  In 2000 she went on the road to help credit unions tell their story, both internally and externally. She is the author of two books: Tattoos: The Ultimate Proof of a Successful Brand and The 2020 Vision of Marketing: A Focus on Purpose. She is a Filene Research Institute i3 alumni, WCMS graduate, 2012 CU Times Woman to Watch and designed the CMN Credit Unions for Kids logo. In New Mexico she spearheaded the Keep It Co-Op campaign that has united all cooperatives in Santa Fe, Los Alamos and Espanola. She believes we are better together. Denise is a Volunteer Firefighter/EMT for the town of Cochiti Lake, New Mexico where she lives with her husband Mark and their two adorable dogs Dexter and Emma Rae. Denise joined NACUSO in 2016 where she develops membership and helps CUSOs tell their story.


Shawna Luna
Director of Operations/Executive Assistant to Jack Antonini
Shawna Luna is director of operations and the executive assistant to the CEO. She has also served as NACUSO’s corporate events meeting planner. Shawna has worked for NACUSO for over 24 years and resides in Eugene, Oregon.  She started in the credit union industry  in 1992 working at TSA Special Services, a CUSO for First Financial Credit Union Union in West Covina, California.  In 1996, she was hired to NACUSO by Bob Dorsa, the founder and first President of NACUSO and ACUMA and has been fortunate to work with former NACUSO CEOs: Tom Davis and Vic Pantea.

3419 Via Lido, PMB #135
Newport Beach, CA 92663
Phone: (949) 645-5296

Shannon SpicerShannon Spicer
Project Manager
Shannon Spicer joined NACUSO in November of 2019. She brings an accounting degree, with years of experience, and a background of working in business administration. Her priorities will be assisting with membership dues processing and assisting the team throughout the year with the NACUSO Network Conference and other NACUSO projects. Shannon resides in Eugene, Oregon, with her husband Mike and their two daughters.

3419 Via Lido, PMB #135
Newport Beach, CA 92663
Phone: (949) 645-5296