THESPARK - Utah Power Credit Union
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THESPARK
VISITING WITH MEMBER-OWNERS IS ONE OF THE THINGS I ENJOY MOST
about working for the Credit Union. A lineman friend recently stopped
by the office. While that’s not that unusual, on this visit he wasn’t dressed
in typical lineman gear. He was wearing a vintage Reddy Kilowatt costume!
UPCU and Utah Lineman’s Rodeo Committee member,
Jennylynn Tillotson-Deveraux, rescued the costume from the trash
and kept it safely stored for many years. She said she thought that
someone would appreciate its significance and eventually find
a use for the relic. Jenny convinced Rodeo Chairman, Justin Halloran,
to dress in the costume to make the official donation to the Credit Union.
Needless to say, this visit was an especially memorable one.
The Credit Union has been collecting important memorabilia like this
for many years. And, I am really excited to report that in the next
few weeks we will complete a permanent display of some of the things we have
accumulated. We are calling the space The Induction, and the first location
will be at our Main Office in Murray. Exhibited items will rotate and include
background information and stories to not just preserve but to celebrate
all our history and association.
I want to extend my appreciation to all those who have given pieces of their
own past for The Induction. We welcome future donations you feel
are worthwhile to share with others. I promise they will always be safe
(and honored!) at the Credit Union.
Inside Fall 2019
You’ve probably seen that market interest rates for deposits have started
to decrease again, and forecasters speculate this trend will continue Ask Penny Q & A
throughout the year. In September, the Board of Directors voted to keep
the regular share dividend rate at 1.25% APY, which is more than 10 times
Utah’s Coal Country
the average rate paid by credit union peers that we track in Utah. Are you Reddy?
The Board also set the 12-month certificate rate at 2.50% APY, which Service Milestones
is the highest that can be found. If you’re in the market for a CD,
I encourage you to act quickly.
Thank you for your membership and ownership in Utah Power Credit Union.
On behalf of the Board and our staff, we all look forward to creating
financial power, and special memories, with you and your family
for many years in the future.
RYAN POLLICK
President & CEO
UTAHPOWERCU.ORG (801) 708-8900
Ask PennyWeiss A Team with a Dream
Resident UPCU expert, Penny Weiss, Utah is one of America’s top coal producing states because of the amount of coal mined
can answer any questions you may in Carbon and Emery counties. Over the past 18 years, coal production has declined
have about the Credit Union, your resulting in job loss, depreciation of houses, and out-migration in these areas.
accounts, or membership.
Utah Coal Country Strike Team was formed after recognizing the need to preserve
Q. The Credit Union recently financed my auto the unique histories of small towns in both counties. The team is a multidisciplinary,
loan with the low rate of 3.49% APR. My sister’s mission focused group whose goal is to raise the income of 10,000 households
rate from another institution is much higher. in Carbon and Emery counties by 10% by 2020. Their plan consists of four
I told her she needs to be a member of my Credit interventions. The first is to create Silicon Slopes Eastern, a hub of remote worksites
Union to take advantage of the lower rate. in Price to complement Utah’s rapidly expanding tech sector, as well as information
Can you explain who is eligible for membership? technology training, certifications, scholarships, and internships. The second
A. Parents, siblings, spouses, and children is to establish a tourism infrastructure by supporting projects that draw visitors
of all members are eligible to join the Credit Union. to trails, campgrounds, and store fronts on main streets. The next is to revitalize
After your sister becomes a member, her spouse housing stock to help families increase wealth and create a more attractive
and children are eligible. The family tree continues community. Finally, the group plans to establish custom economic incentives
to grow and extends to each member’s parents, to activate development in the counties.
siblings, spouses, and children. Your sister can easily The team’s proposal resonated with the Alliance for the American Dream, earning
start a membership application on our website, them one of five spots to compete for up to $1 million in funding after a final
utahpowercu.org, or by stopping into pitch-competition this past summer. The Strike Team was awarded $900,000 in direct
any of our locations. and matching funds from the University of Utah and Schmidt Futures.
Q. My savings account and mortgage loan Price City Mayor and co-chair of the Strike Team, Mike Kourianos, said,
are with the Credit Union, but my checking “I am overwhelmed with gratitude. This is a tremendous investment in our vision
account is at a bank. Can you tell me about for Price and all of Utah coal country. The funding will help us diversify our economy,
the checking account options you offer? allow us to invest in infrastructure, and give us a path toward a vibrant economic
A. Our completely free Power Checking Account future.” A lifelong resident of Price, Kourianos believes in the future ahead, saying this
requires no minimum balance, no monthly fee, project, “is about keeping our children and grandchildren in our community. The Strike
and offers unlimited check writing. Make use of our Team brings together the strength of our people, our schools, our businesses,
automatic transfer from savings feature which and our funding partners to shape a bright new future for Utah’s Coal Country.”
ensures you’ll earn the high savings interest rate
that we’re known for. Additional benefits include
cashier’s checks, money orders, and one free
box of checks every 12 months. Mobile Check
Deposit, which makes it easy to deposit checks
right from your phone, is easily activated
upon opening an account.
Employee Service Milestones:
20 Years: Crystal Dorrell, Main Office
Collene Lyons, Huntington Office
15 Years: Kathy Giatras, North Temple Office
10 Years: Sherrie Vlamakis, Price Office Reddy Kilowatt costume donated by Jennylynn Tillotson-Deveraux
for the Credit Union museum, The Induction.
FALL 2019
Five years ago, the Murray office welcomed Becky Baggett
as Human Resource and Employee Education Development Manager.
Becky is exceptional in her role at the Credit Union because
of her kind heart and willingness to help anyone she meets.
In 2005, Becky returned to the workforce after her husband had health
trouble and knew she needed a degree. Not only did she complete
a Bachelor’s in Business Management, she earned
a Master’s in Adult Education while working and raising her five children.
Becky is passionate about adult education, which shows
each month when she hosts trainings for Credit Union staff.
When asked about her favorite part of her job, Becky replied,
“What’s not to like? I am very fulfilled.”
Outside of the Credit Union, Becky enjoys reading and making crafts
of all kinds. She loves to read anything by Willa Cather, her favorite book
is Villette by Charlotte Bronte, and she finishes at least 50 books a year.
This summer, Becky welcomed her first grandchild and crafted
him a quilt, an afghan, a crochet lion, and a handmade quiet book.
Five Years of Service
Amy Gonzales serves members in Northern Utah
as a Relationship Officer in the Ogden office. Amy’s favorite
part of working for the Credit Union is helping members with their
financial needs and working with her co-worker, Robyn, in the office.
Robyn says, “Amy is loved by members and everyone who works
out of the Ogden office. She is a joy to be around.” As members come
through the door and are warmly greeted by Amy’s beautiful smile,
it’s clear that her members have become family. Amy is committed
to building relationships and genuinely caring
for her members’ financial needs.
When not in the office, Amy is either working her other job or spending
her time relaxing. Amy loves to sing, even though she says she can’t
carry a tune, and wanted to try out for American Idol by singing
“Greatest Love of All” by Whitney Houston.
UTAHPOWERCU.ORG (801) 708-8900
Dividends Declared Credit Union Services
The Board of Directors has declared Apple Pay Medallion Stamp Service
a dividend on earnings for the third quarter ACH Transfers Mobile Banking
of 2019 payable October 1, 2019. ATM Access Mobile Check Deposit
Dividends are calculated using the daily balance Bill Pay Money Orders
method and are credited to your account CDs Mortgage Loans
the first day of the following quarter. Cash Advances Movie Discount Tickets
1.25% APY Regular Share Savings Cashier Checks NADA Blue Book
& Individual Retirement Accounts Checking Accounts Notary Service
.625% APY Business Share Savings Accounts Courtesy Pay Online Banking
Credit Cards Safe Deposit Boxes
APY = Annual Percentage Yield (Main & Price Branches)
Debit Cards
Direct Deposit Samsung & Android Pay
First-Time Car Buyer Loans Share Savings
First-Time Home Buyer Loans Shared Branching
Home Equity Loans Signature Guarantee
Mark Your Calendar IRAs Telephone Teller
Vernal Holly Days
November 29 & 30
Helper Electric Light Parade
December 6 & 7 Our Offices
Toll Free — All offices Balance Rock (Helper)
800-833-8897 100 W 200 N
Helper, UT 84526
Salt Lake (Main)
PH 435-472-5531
Offices Closed 957 E 6600 S
SLC, UT 84121
FX 435-472-5091
October 14 PH 801-708-8900 Vernal
In observance of Columbus Day FX 801-716-4670 646 E Main Street
Vernal, UT 84078
November 28 & 29 Salt Lake (North)
PH 435-789-5449
In observance of Thanksgiving 1407 W North Temple, 120 C
FX 435-613-2360
SLC, UT 84116
December 25
PH 801-708-8990 Moon Lake (Roosevelt)
In observance of Christmas Day
FX 801-708-8929 800 W Highway 40
January 1 Roosevelt, UT 84066
Ogden
In observance of New Year’s Day PH 435-722-0149
1438 W 2550 S
FX 435-613-2361
Ogden, UT 84401
PH 801-781-6046 PowerTrust Casper
FX 801-629-4334 4030 Plaza Drive, #5
Casper,WY 82604
Price
PH 307-237-6764
370 E 100 N
FX 307-237-5159
Price, UT 84501
PH 435-637-6159 PowerTrust Rock Springs
FX 435-637-6259 601 College Drive
Rock Springs,WY 82901
Huntington
PH 307-362-1810
Our participation in the CO-OP gives you access to 30,000 surcharge
125 S Main Street
FX 307-362-1289
FREE ATMS and over 5,000 credit union locations around the world. Huntington, UT 84528
PH 435-687-9535
FX 435-687-2621
UTAHPOWERCU.ORG
2018 Annual Report
Chairman’s Report
A hearty hello and new year greetings regarding activity within your account. Today’s technology makes it possible
to each of you, the members for our members to conduct most of their Credit Union business remotely,
of the Utah Power Credit Union lessens the need for additional brick and mortar, and allows us to use our
family. On behalf of your Board Credit Union resources to better serve your financial needs.
of Directors, I extend our thanks A special thank you goes out to those of you who are able to participate
to you for your continued support in person at our Annual Meeting. It means a lot to UPCU that you are
of UPCU and the great financial willing to take the time to attend the meeting and it’s yet another indication
institution we know it to be. of the depth of loyalty shown by our members. We recognize that many
Under the direction of our new of you aren’t able to attend, and hope that the periodic meetings we have
President & CEO, Ryan Pollick, held, and will continue to hold, in areas geographically removed from
the management team, and staff, Salt Lake City will give you an opportunity to join us and learn more about
we have experienced another the level of services being offered by Utah Power Credit Union.
banner year. Assets increased
by 5% to $675,005,045. This is within Here’s to the continued success of UPCU, and in turn, to the continued
the budgeted parameters set success of each of our members. We need all of you to be as successful
at the beginning of the year and allows us to be competitive in the financial as possible and look forward to new opportunities to serve you in the
market to attract new business, as well as to competently serve our existing future. Have a great 2019!
members. Membership increased slightly to 26,366. At this level, we still
have capacity to serve additional members and encourage you all to look
for opportunities to bring members of your immediate and extended Russ Johnson
families into the UPCU family. Net Income was up 18%, to $6,584,399, Chairman
in part, facilitating the December 2018 giveback to our members.
Utah Power Credit Union continues to work hard to safeguard your
financial information through improvements to our website and mobile
banking. Make sure you contact the Credit Union if you have questions
Membership Means Financial Power
Presidents’ Report
The traditions that have brought One of the biggest things that happened in 2018 was the Board
Utah Power Credit Union success of Directors’ approval of a one-time giveback to all member-owners of the
for nearly 84 years continue, Credit Union, which totaled $2.4 million. It has been humbling to hear
and I am thrilled to give an overview from so many members who have expressed appreciation for the giveback,
of some of the highlights for the year. and for their relationship with the Credit Union in general. The giveback
The Credit Union ended 2018 reduced net worth to 13.54% — still one of the strongest in the country.
with just over $675 million in assets An ongoing highlight is to see everyone associated with the Credit Union
and 26,366 members spread across working hard to make certain that UPCU remains best in class. Not only
48 states, and even some in other financially, but as a true cooperative of like-minded, caring, responsible
countries. These numbers represent (and wonderful!) people. As volunteers and staff, we are proud of the
controlled and steady growth, work we do and what we have accomplished. But, we do not take
which has been the philosophy of the any of the financial achievements I have reported for granted and will
Board of Directors for many years. continue our efforts to ensure future success. We also know, and take
Net income increased by over very seriously, that we are here because our relationship with you,
$2 million, or 18%, and expenses and we remain committed to make you feel equally proud of your
remained extremely low, 1.35% of assets, and many times lower than association with the Credit Union. To emphasize this, the Board recently
other credit unions in the state and the country. Nearly $185 million was updated our mission statement. It’s now:
funded in loans, the most in Credit Union history, and 12.68% higher Our Mission is to Ensure that Utah Power Credit Union
than 2017, which was also a record-setting year. In fact, 95% of all loan Creates Financial Power with Our Members by
applications were funded, an exceptionally high figure for our industry. Providing Excellent Value and Lifelong Relationships
This indicates our willingness and ability to work with every single
member and their needs for credit. Delinquency and bad debt write offs I promise that we will do whatever necessary to deliver on this mission
remained very low, .13% and .06%, respectively. in 2019, and in the many generations that follow.
UPCU’s website was enhanced by adding features requested by users,
including self-directed bank to bank transfers. An in-house Credit Card Ryan Pollick
Awards program was developed, giving more flexibility to cardholders, President & CEO
and allowing for cash back point redemption.Report of the Supervisory Committee
Each year, the Board of Directors Institutions conducted a regulatory exam in 2018 covering financial
appoints member-volunteers to serve reporting and the Credit Union’s management (both staff and volunteer).
on the Supervisory Committee. We, the Supervisory Committee, report that through the above-mentioned
It is our role to monitor, direct, efforts, the Bylaws and regulations that govern the Credit Union
and work with the internal auditor are being followed.
to provide audits of accounting
functions and systems, and to review As Supervisory Committee members, we actively look for ways to improve
policies and procedures. our knowledge and ability to fulfill this important role. We complete
These activities ensure that the annually required training and attend industry conferences to ensure that
Bylaws and regulations that govern we are current with credit union requirements. We will continue to work
the Credit Union are followed. with management and the Board of Directors to keep our Credit Union
strong, and simply the best. If, for some reason, you have any concerns
We meet regularly to develop with Credit Union operations, we are available and ready to work with
an audit plan used to focus the you until any issues are resolved.
audits that are being conducted
internally and by the Committee. We recently completed an update
of the Credit Union’s risk analysis and have developed comprehensive Supervisory Committee
audit plans for the next four years.
Lloyd Ukena - Chairman
In addition to our internal efforts, we engaged the services of Eide Bailly Jim Bean
LLP in 2018 to conduct a required annual opinion audit of the John Grant
Credit Union’s financial statements, and to also conduct an annual review Cindy Nagasawa-Cruz
of Bank Secrecy Act compliance. A recent addition to our oversight has Dave Nelsen
been to get an independent review of the Credit Union’s information Jeanine Thomson
technology internal controls and operations, which was completed
by CliftonLarsonAllen LLP, in 2018. The Utah Department of Financial
Membership Means Financial PowerMinutes of the Annual Meeting | February 20, 2018
The Utah Power Credit Union Annual Meeting of members was held at the Mountain unique operating structure of the Credit Union works very well.
America Exposition Center in Sandy, Utah on February 20, 2018 at 6:00 PM. Mr. Pollick invited Credit Union staff to the front of the room to be recognized for their
There were 277 voting members of the Credit Union and a total of 443 in attendance. hard work and dedication. Members acknowledged the efforts of the staff with a rousing
Chairman Russell Johnson welcomed members and thanked them for their support of the round of applause.
Credit Union and for their attendance at the Annual Meeting. Mr. Pollick shared other highlights for 2017. He said the lowest rate in history was offered for
Minutes of the Annual Meeting held February 21, 2017 were approved. holiday personal loans, which was well-received by members. He reported that the Board
of Directors increased the dividend to 1.25%, compared to the national average of 0.06%.
Chairman Johnson introduced the Board of Directors, Alternate Directors, and members
A new office in Casper was opened, featuring a drive-up, ATM, and night depository.
of the Supervisory Committee who were present at the meeting.
He said that the Credit Union website and online banking, were completely redesigned,
Susan Simkins, Nominating Committee Chairperson, explained the application process for which was a multi-year project. Chris Brems, VP of I/T, explained new features and
members interested in running for positions on the Board of Directors. She said that Article showed images of the new site. He said that multi-factor authentication will help keep
Four of the Credit Union Bylaws states that nine members are elected for three-year terms member accounts and personal information safe. Mr. Pollick thanked Mr. Brems and told the
with an equal number of terms expiring at each Annual Meeting. audience that the entire online banking system was developed in-house, and that Mr. Brems
Ms. Simkins reported that the nominees for the Board election at this meeting were and his staff spent countless hours ensuring the best online experience for members.
Aaron Calderwood, Claudia Conder, Blake Dowding, Larry Ellertson, Cindy Nagasawa-Cruz, Mr. Pollick reviewed the financial results for 2017. He said income increased 9% and
Rohit Nair, and Brent Parkin. Ms. Simkins noted that Ms. Conder was excused from the expenses increased by 6%. Dividends of $918,000 were paid, and assets grew
meeting due to a family emergency. After each nominee briefly spoke, members were to $640 million, a 6% increase, or $34.6 million. Deposits increased $29.4 million, or 6%,
asked to vote for three nominees. Ballots were gathered from those registered to vote at the and net worth increased $5.6 million, or 7%. The net worth ratio at the end of 2017 was
election. Online and absentee ballots were collected prior to the meeting. 13.61%; peers averaged 11.03%. ROA decreased to 0.90%; peers averaged 1.06%.
Mr. Johnson shared that 2017 ended with $640 million in assets, which was up from The 1.30% operating expense ratio remains significantly lower than the peer average
$606 million in 2016, and $565 million in 2015. He noted that financial stability is imperative of 3.53%. The low 0.14% delinquency ratio and net charge-off ratio of 0.09% are
for uncertain economic times. He shared the Board was proud of our low delinquency ratio significantly lower than peers and play a big part in the Credit Union’s overall success.
and the responsible management and staff of the Credit Union. He thanked members for Mr. Pollick summarized by stating that Utah Power Credit Union is very well-positioned,
continuing to make the Credit Union successful. and that he and the staff of the Credit Union remain focused on the future and know that,
Mr. Johnson recognized Dennis Hymas for 40 years of dedicated service to the Credit Union it is all about the people.
as a volunteer, and as President & CEO from 2005 to 2018. Mr. Johnson presented Mr. Hymas Susan Simkins announced that nominees Blake Dowding, Larry Ellertson, and Brent Parkin
with a commemorative plaque. Mr. Hymas shared his appreciation for his association with were elected to the Board of Directors to fill the three expiring terms.
a great organization.
Board members and senior management answered questions from the audience.
Mr. Johnson introduced President & CEO Ryan Pollick. Mr. Pollick recognized the
Prize drawings were held, and cash envelopes were given to all present at the meeting.
Credit Union’s humble beginnings in 1935, and that 2017 ended with $640 million in assets,
26,000 members, and 10 office locations. On motion, duly seconded and unanimously voted, the meeting was adjourned at 7:25 PM.
Mr. Pollick reported that the Credit Union received numerous awards for outstanding Crystal Dorrell, Acting Secretary
financial performance in 2017. He said that these commendations demonstrate that theYear-End Balance Sheet
ASSETS 2017 2018
Cash & Cash Equivalents 8,525,116 14,673,165 Key Financial Ratios
Investments - Net 319,552,619 310,171,764
Loans - Net 295,139,550 332,637,309
Loans/Assets 49.36%
Buildings & Land - Net 6,718,141 6,778,796
Capital/Assets (Net) 13.54%
Furniture & Equipment - Net 926,632 753,236
Income/Assets 3.43%
NCUSIF Placement 4,921,022 5,103,681
Expense/Assets 1.35%
Accrued Loan Interest Receivable 508,537 580,898
Loan Delinquency 0.13%
Accrued Investment Interest Receivable 2,374,013 2,125,912
Accounts Receivable & Prepayments 329,127 443,360
Shared Branching & PowerTrust CUSO 585,132 610,132
Other 1,187,639 1,126,792
Total Assets 640,767,528 675,005,045
LIABILITIES & EQUITY 2017 2018
Deposits 554,205,244 587,718,520
Borrowed Funds - -
Dividends & Interest Payable 1,609,674 1,531,426
Accounts Payable 112,116 190,904
Accrued Expenses 497,801 536,160
Other Liabilities 1,333,424 1,149,113
Retained Earnings 68,169,286 71,169,706
Regular Reserves 19,063,084 20,253,202
Unrealized Gains/(Losses) (4,223,100) (7,543,986)
Total Liabilities & Equity 640,767,528 675,005,045Year-End Income Statement INCOME 2017 2018 Interest Income - Loans 10,942,049 12,341,600 Statistical Information Interest Income - Investments 6,065,743 6,626,097 Fees 881,345 918,227 Number of Members 26,366 Other Income 1,957,614 2,710,979 Number of Loans 16,091 Total Income 19,846,751 22,596,902 New Loans Disbursed 184,965,399 EXPENSE Average Rate on Loans 3.96% Salaries, Benefits 4,309,817 4,658,919 Average Rate on Investments 2.18% Travel, Meeting & Training 124,759 122,487 Office Occupancy 651,890 865,027 Office Operations 511,294 488,481 Data Processing 361,163 392,308 Shared Branching & PowerTrust CUSO 440,990 446,902 Marketing Promotions 45,314 60,160 Loan Servicing 232,931 319,621 Debit/Credit Card 1,134,173 1,213,146 Provision for Loan Loss 170,000 85,000 Regulatory, Audit & Professional Services 135,605 171,363 Other Operating Expense 151,471 168,411 Total Expense 8,269,407 8,991,824 Gains/(Losses) (69,167) (17) Dividend/Interest Expense 5,915,885 9,414,523 NET INCOME 5,592,292 4,190,538
Credit Union Volunteers & Staff
BOARD OF DIRECTORS Kyle Hastings | Internal Auditor PRICE OFFICE
Russell Johnson, Chairman Maureen Hatch | Loans Ann Milano | Manager
Stephen Hastings, Vice Chairman Gale Hickman | Loans Brandi D’Ambrosio | Member Services
Esther Giezendanner, Secretary Scott Holbrook | Accounting Colleen Davis | Loans
Blake Dowding Michelle Lester | Mortgage Loans Mindy Fausett | Mortgage Loans
Larry Ellertson Jody Linan | New Accounts/IRAs Amy Gluesing | Member Services
Bruce Larsen Laura Marse | Relationship Officer Noula Lowe | Member Services
Jason Moffat Brenda Martinez | Relationship Officer Sherrie Vlamakis | Member Services
Brent Parkin Sue Mecham | Accounting
Melanie Morrison | Mortgage Loans BALANCE ROCK OFFICE
Chris Spencer
Jackson Mostoller | Relationship Officer Barbara Metelko | Manager
Joe Juliano, Alternate
Katlin Nielson | Loans Katie Childs | Loans
Susan Simkins, Alternate
Tracy Nieves | Accounting Amanda Larsen | Member Services
SUPERVISORY COOMMITTEE Kimball Peacock | I/T Angelina McFarlane | Member Services
Lloyd Ukena, Chairman Kathy Quinn | Collections MOON LAKE (ROOSEVELT) OFFICE
Jim Bean Andrea Smith | Internal Consultant Andrew Ercanbrack | Manager
John Grant LeeAnn Tate | Mortgage Loans
Cindy Nagasawa-Cruz Bonnie Taylor | Collections VERNAL OFFICE
Dave Nelsen Rachel Teran | Marketing Manager Marlene Wilhelm | Manager
Jeanine Thomson Stacy Witzel | Service & Relationship Manager Ashlin Bowden | Member Services
MANAGEMENT Gleneita Lane | Member Services
NORTH TEMPLE
Ryan Pollick Kathy Giatras | Manager POWERTRUST CUSO | ROCK SPRINGS
Chris Brems Sharon Garcia | Loans Pam Schumacher | Area Manager
Crystal Dorrell Emily Hulsey | Member Services Kari Carter | Member Services
Danette Fox Gwen Lee | Loans Jade Jewkes | Loans
Chris Koch Gina Petroni | Member Services Blake Johnson | Member Services
Russell Payne Renae Woodard | Mortgage Loans Kristina Kelsey | Member Services
MAIN OFFICE Debra Tomich | Member Services
OGDEN OFFICE Meghan Torrontegui | Member Services
Alisha Abramovitz | Relationship Officer Robyn Skeen | Manager
Becky Bagget | H/R & Training Amy Gonzales | Member Services POWERTRUST CUSO | CASPER
Jared Bryner | Loans Crystal Bratvold | Manager
Aaron Cleverley | I/T HUNTINGTON OFFICE Mikayla Hedstrom | Member Services
Melanie Copelan | Mortgage Loans Megan Allan | Member Services DeNeile Miller | Member Services
Henry Cummings | Relationship Officer Tralee Gordon | Member Services
Jonni Edvik | Relationship Officer Jennifer Hollar | Member Services
Carolyn Eiden | Collections Shantelle Kay | Member Services
Allison Elsea | Relationship Officer Miranda Lofley | Loans
CJ Frampton | Systems & Support Manager Collene Lyons | LoansYou can also read
