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.

6000 28th Street SE #300
Grand Rapids, MI 49546
Phone: (888) 462-2870 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/Origence.  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/Origence
18400 Von Karman Avenue, Suite #900
Irvine, CA 92612
Office: (909) 481-2307

Nick Evens
Nick Evens is the President and CEO of Curql Collective, LLC.  Nick cultivates opportunities to help fintech and credit unions collaborate on breakthrough technologies that minimize threats and successfully improve, disrupt and position the industry with a best-in-class member experience. Prior to leading Curql Collective, Nick was President of The Veridian Group, Inc. (TVG), the wholly-owned CUSO holding company of Veridian Credit Union, where he led investment strategy and direction for the $5.2B institution. Based in Waterloo, Iowa, TVG’s holdings include Veridian Insurance and Veridian Fiscal Solutions with total staff over 45 strong. During his tenure, Nick managed TVG’s more than ten direct minority investments in CUSO companies, positioning the organization with direct equity stakes in Dwolla, Alkami Technology and Moov Financial and committing approximately $10MM in six venture or seed capital funds. Mr. Evens was elected to the board in 2016.

Curql Collective, LLC
666 Walnut Street, Suite #2260
Des Moines, IA 50309
Phone: (319) 415-7064

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

John Janclaes
John Janclaes is president of Nymbus CUSO. For more than 30 years, John has successfully led strategic growth initiatives for financial services organizations, dedicating much of his career to the credit union movement, including as president and CEO of Partners Federal Credit Union. He is a highly regarded industry innovator, advocate and connector. After leading five-fold growth at Partners over his 17-year tenure, John was named president of Nymbus CUSO in 2021, working with credit unions to break through barriers to growth by leveraging digital banking for niche member segments and taking on digital challengers. John is a strategic thinker focused on driving credit union growth in the new age of digital. His decades of past experience as an operator uniquely inform his approach to what’s next. In addition to Nymbus CUSO, John is an advisor for several industry associations, including the Credit Union National Association (CUNA), CULytics and Filene Research Institute. He has been honored with the James D. Likens Award as a distinguished alumnus of the Western CUNA Management School, where he is on the faculty and has served on the board of trustees. He previously served on the board of directors for the country’s largest CUSO, CO-OP Financial Services, and is on the current board of AKUVO, one of the most leading-edge CUSOs. Mr. Janclaes joined the board in 2021.

Nymbus CUSO
1688 Meridian Avenue, Suite #700
Miami Beach, FL 33139
Phone: (855) 210-7874

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

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

Brad Crandall
Brad Crandall serves as president and chief executive officer of The Servion Group, Inc., a Minnesota-based credit union service organization partnering with more than 450 credit unions and community banks around the country.  Mr. Crandall joined The Servion Group (then C.U. Mortgage Services) in 1995. Over the next decade, he held a variety of roles including loan officer and vice president of production. He was named CEO in 2005. During his tenure as CEO, the company has expanded from its origins as a mortgage support organization for credit unions into a diversified organization providing a variety of solutions for financial institutions. The Servion Group was awarded the NACUSO CUSO of the Year award in 2018 as a recognition of excellence in innovation and collaboration in the industry. Active in the credit union movement, Mr. Crandall has presented for CUNA’s Lending Council, the National Association of CUSOs, and Prime Alliance Symposium. Mr. Crandall was elected to the board in 2021.

The Servion Group, Inc.
500 Main Street
New Brighton, MN 55112
Phone: (651)787-9525

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 the Chief Financial Officer of CU*Answers, Inc. CU*Answers, the data processing CUSO from MI, is currently owned by more than 140 credit unions nationwide. Mr. Frizzle has been serving in the credit union industry since 1989. In his position as CFO at CU*Answers, he has assisted in growing the CUSO from annual revenues of $6 million to $62 million projected in 2021. He has also assisted in the creation of several CUSOs including Xtend, CU Northwest, CU South, eDOC Innovations, Processing Alliance, Site 4, Neighborhood Mortgage Solutions, CU Student Choice, and several others.  Mr. Frizzle also serves as the CFO for the following CUSOs and Associations: Xtend, Inc., eDOC Innovations, Inc., CU Student Choice, LLC, NACUSO and NACUSO Business Services.  He also sits on the Board of Directors for eDOC Innovations, Inc.  Mr. Frizzle has been with NACUSO since 2005.

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

Shawna Luna
Director of Operations/Executive Assistant to Jack Antonini
Shawna Luna is director of operations and the executive assistant to the CEO. She also serves as NACUSO’s corporate events meeting planner. Shawna has worked for NACUSO for over 25 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: Thomas C. Davis and Vic Pantea.

6000 28th Street SE #300
Grand Rapids, MI 49546
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.

6000 28th Street SE #300
Grand Rapids, MI 49546
Phone: (949) 645-5296