The Board of Directors and Supervisory Committee of a credit union are composed of volunteer members who are typically elected by the credit union's members.
Both groups are integral in maintaining the credit union’s integrity, transparency, and service to its members.
Board of Directors:
Consisting of seven (7) directors, this group is selected from members of the Credit Union and are responsible for the overall governance and strategic direction of the credit union. Oversees the organization's management and ensures it operates in the best interest of its members.
They help to make strategic decisions, set policies, and ensure financial stability, while also representing member interests and ensuring compliance with regulations. They set policies, ensure financial health, and make decisions regarding the credit union's operations.
Board members often come from diverse professional backgrounds, bringing skills in areas like finance, business management, law, and community leadership. The board is typically elected by the credit union’s members during the annual meeting. Terms of service are typically a three-year term as a director and a one-year term as an officer.
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J. Pat Stewart joined the credit union in 1984. He was appointed by the Board of Directors to the Supervisory Committee in 2008 and served as Committee Chair from 2011 to 2015. In 2015, he was appointed to fill a vacant position on the Board of Directors. Stewart retired as Director of Student Services from Warren County Schools in 2017 after 36 years of service in various roles, including teacher, Director of Student Services, Director of Pupil Personnel and Director of Technology.
In retirement, Stewart has remained very active in the community. He currently serves as Chairman of the Board for Service One and the Richardsville Fire Department. Additionally, he is President of the Warren County Retired Teachers Association, President of the Kentucky Colonel Amateur Radio Club, and a Board Member of the Kentucky Goat Producers Association.
In his spare time, he enjoys spending time with his girlfriend and family.
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Dr. Harold Little, Jr. joined the credit union in 2001 and was appointed by the board to the Supervisory Committee in September 2005. He specializes in financial and managerial accounting and teaches at Western Kentucky University. Dr. Little has extensive experience in all phases of public and private accounting and internal auditing. Dr. Little retired from Western Kentucky University where he served as Department Chair of the Accounting Department in Gordon Ford College. He was on the WKU faculty for 23 years. He taught financial accounting, managerial accounting, and auditing at both undergraduate and graduate levels. He earned his BA degree from Howard University, his MBA from the University of Chicago Graduate School of Business (now called the University of Chicago Booth School of Business), and Ph.D. from Southern Illinois University at Carbondale. Dr. Little is a Certified Public Accountant, Certified Internal Auditor, Certified Management Accountant, and Chartered Global Management Accountant. He has extensive experience in all phases of public and private accounting and internal auditing. Dr. Little serves on the Bowling Green/Warren County Airport Board and Arts of Southern Kentucky Foundation. He has been a member of the credit union for over 20 years. He served as a Supervisory Committee member before joining the Board of Directors in 2011. He has served as Secretary, Treasurer, Vice-Chairman, and Chairman of the Service One Credit Union Board. He currently serving his second term as Vice Chairman.
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Dr. T. Chris George joined the credit union in 2006. Dr. George was appointed by the Board of Directors to the Supervisory Committee, later serving as Committee Chair for two years. He was appointed to fill a vacant position on the Board of Directors in 2022. George is the Director of Federal TRIO Programs at Southcentral Kentucky Community and Technical College. Prior to SKYCTC, he worked for 20 years at WKU in the TRIO Student Support Services Program, serving as program director for nine years. George has also served as the Chair of the Board of Directors for the Washington DC-based Council for Opportunity in Education (COE). George has been on the COE Board of Directors for eleven years. He received his Master of Arts in History from WKU in 2001, and his Doctor of Education from the University of the Cumberlands in 2016.
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Dr. James B. McCaslin is the Provost at Southcentral Kentucky Community and Technical College (SKYCTC), one of the sixteen colleges that comprise the Kentucky Community and Technical College System (KCTCS). He serves as the Chief Academic Officer for a college that serves the 10 counties in the Barren River Area Development District, including six campuses in Bowling Green, Glasgow, and Franklin. Dr. McCaslin is engaged in the communities served by SKYCTC through economic development and a variety of local and regional non-profit organizations. This year, Dr. McCaslin’s portfolio has expanded statewide while he serves as the Acting Executive Director for Project Management at the KCTCS System Office.
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Brenda Willoughby joined the credit union in 1986. Willoughby was appointed by the Board of Directors to the Supervisory Committee and served as Committee Chair for a one-year term. She was appointed to fill a vacant position on the Board of Directors in 2005. Willoughby retired from AT&T, and received her Master’s in Economics in 1998 from Western Kentucky University.
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Dr. Richard Miller retired from the Department of Psychology at Western Kentucky University and has been a credit union member since 1972. Dr. Miller has served on the board in all offices since 1989, including four years (2 two-year terms) as Chair.
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Item descriptDr. Brooke Justice has been a member of the credit union since 2003. In 2019, Dr. Justice was appointed to the Supervisory Committee by the Board of Directors and subsequently appointed to the Board of Directors in 2023 to fill a vacant position. Following completion of her MBA at Western Kentucky University (WKU), Dr. Justice began her professional career as an Academic Advisor at WKU. In 2008, she transitioned to Bowling Green Technical College, embarking on a career in community college administration. Dr. Justice has held progressively responsible positions in Student Services at the institution which has since transitioned into Southcentral Kentucky Community and Technical College. She holds a doctoral degree in Educational Leadership from the University of Kentucky.ion
Supervisory Committee:
Consisting of up to nine (9) members, the Supervisory Committee is appointed by the Board to oversee the credit union’s financial practices. They ensure that the Board of Directors and management comply with regulations and operate in the best interest of members. They conduct audits, review financial statements, assess the effectiveness of the management team to protect member assets and ensure transparency, and ensure proper internal controls are in place. They submit an annual report to the Board and the Commissioner, as well as a summary of that report to the members at each Annual Meeting.
Committee members are also volunteers, often with expertise in accounting, auditing, or risk management, and they play a key role in safeguarding the credit union’s assets and member interests. They serve for a one-year term and can be re-appointed without restriction at the will of the Board of Directors.
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Christopher Royse became a member of the credit union in 2015. Royse was appointed by the Board of Directors to the Supervisory Committee in 2020 and began serving as Committee Chair in 2024. He is Dean of Business and Information Technologies at Southcentral Kentucky Community and Technical College (SKYCTC), where he has worked since 2010. He holds an M.S. (2016) and B.S. (2004) in Telecommunications Systems Management from Murray State University and an A.A.S. in IT Network Administration from Bowling Green Technical College (2002) and is completing a Doctorate in Education at Morehead State University (2025).
Royse serves on the Murray State University CIT National Advisory Board, and is a Leadership Bowling Green (2018) graduate, where he also served as Education Day Chair (2021-2025).
Royse belongs to several professional organizations, including the National Association of Branch Campus Administrators, National Cyber Watch Center, and FBI InfraGard. He holds multiple instructor certifications (Cisco, CompTIA, VMware, Amazon AWS). He resides in Smiths Grove, KY.
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Brian Becker became a member of the credit union in 2014. He was appointed by the Board of Directors to the Supervisory Committee in 2023. Brian Becker is the VP of Operations and Programs for the South-Central Workforce Development Board where he helps oversee and implement innovative workforce development programs in the region. His background includes over 20 years of nonprofit leadership in operational and program effectiveness. Brian and his wife and two teenage children enjoy hiking at National Parks, visiting big cities and cooking meals together.
Board of Directors: Responsibilities, Requirements, and Officer Roles
The Board of Directors provides strategic oversight for the Credit Union, ensuring its financial health and stability.
Board members are elected volunteers who dedicate their time and expertise to guiding the institution.
General Responsibilities:
• Provide general direction of the business affairs, funds, and records of the Credit Union.
• Fulfill the duties outlined in KRS Chapter 286.6.
• Appoint an executive committee consisting of at least three (3) directors.
Term and Meetings:
• Serve three-year terms.
• Attend monthly meetings.
Membership Requirement:
• Maintain membership in the Credit Union.
Officer Roles (Elected Annually):
• Chair: Presides at meetings of the members and the Board, and performs all other usual duties connected with the office.
• Vice Chair(s): Perform the duties of the Chair in the Chair's absence and other duties as assigned by the Board.
• Treasurer: Submits financial reports to supervisory agencies and may serve as the process agent.
• Secretary: Prepares and maintains accurate minutes of all member and Board meetings; provides meeting notices; authenticates Credit Union records; and performs all other duties incident to the office. (The Treasurer and Secretary positions may be held by the same individual.)