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Meet our board of directors

On January 1, 2024, Gulf & Fraser and Interior Savings merged to become Beem Credit Union, a province-wide credit union built from the cooperative values upheld by its founding BC credit unions that have served members since 1939.

Beem Credit Union Board of Directors consists of 14 directors and includes representation from Interior Savings and Gulf & Fraser (along with founding credit unions from previous mergers).

Elected by you – our members, the Gulf & Fraser board wears many important hats, including guiding our strategic direction. But their primary role is to manage and monitor our credit union in the collective interests of all our members. To learn more about their responsibilities, read our governance reports.

Doug Sweeting

Board Chair

Doug has over 40 years of experience in the financial service industry, working with insurance companies, credit unions, securities dealers, and a bank. He has owned several insurance agencies and developed wealth management divisions for BC credit unions. He is actively involved with non-profit organizations and is currently a member of the board for the Canadian Cancer Society, BCY division.

Served on the Board since: 2021

Rob Shirra

Vice Chair

Mr. Shirra is a community-minded business executive with a strong commitment to the credit union system. From 1983-2017, he owned a successful management consulting firm and worked with many large-scale national and international clients. In 2015 he was awarded the ICD.D designation from the Institute of Corporate Directors. More recently, in 2022, Mr. Shirra has completed his ACCUD Certification making him the next Interior Savings Accredited Credit Union Director.

Prior to moving to the Okanagan, he served on the Board of another large BC credit union, where he chaired their Investment & Lending Committee. Since 1988 he has been a director on several other industry and community boards.

Served on the Board since: 2020

Linda Archer


Linda has a good understanding of cooperatives values and the credit union business model, operations and governance based on her background in the Canadian credit union system and cooperative sector.

She has extensive experience with the City of Vancouver as well as over 20 years in the credit union system as an executive responsible for Human Resources, marketing, operational consulting and member relations for BC and Ontario credit unions. Her governance experience spans credit unions, cooperatives, affiliated organizations as well as non-profits, including holding both board and committee chair positions.

Linda has completed formal governance training through the Institute of Corporate Directors. She has facilitated credit union governance education for Canadian Credit Unions and developed and facilitated cooperative and credit union governance education as an international development volunteer, primarily in Africa. 

Linda is a recipient of the BC Credit Union Foundation’s Distinguished Service Award and has been a frequent speaker locally, nationally and internationally through the World Council of Credit Unions.

Served on the Board since: 2019

Karri Brinnen


Ms. Brinnen is the owner/operator of the Canine Heroes Kennel in Kelowna. She previously worked at Interior Savings as the Senior Governance Coordinator and Executive Assistant to the CEO & Board of Directors. As a governance specialist, Karri was a founding member of the BC Credit Union Governance Professionals Group as well as a past member of Governance Professionals of Canada. She has completed Levels A & B of the Credit Union Director Achievement Program and is a self-employed bookkeeper.

Served on the Board since: 2022

Christine Dacre


Christine is a Chartered Professional Accountant with over 15 years in executive and senior level financial positions. She has significant experience in finance, strategic planning, corporate leadership, risk management, internal controls, human resource processes and information technology. She is a resident of New Westminster, with an interest in the community. She was on the board of the New Westminster Victims Assistance Association from 2009-2014 and is currently on the board of the New Westminster Police Department.

Christine is very familiar with Gulf & Fraser and the credit union system as she was a previous board member from 1992 to 2007. Her belief is that the credit union is a part of the community it serves. It is about its members and the friendly, professional staff who work hard to meet their needs.

Governance, oversight, and cooperative values are important to Christine.

Served on the Board since: 2016

Daniel Drexler


Daniel Drexler is a community-minded professional with a well-rounded background in municipal government, economic development and information technology.

Daniel holds an Advanced Certificate in Local Government Administration from Capilano University and a Certificate in Local Government Service Delivery from the BC Board of Examiners. He is an expert in Microsoft systems, with experience as a Microsoft Certified Technical Specialist since 2000, and as a Microsoft Certified Solutions Associate (MCSA).

Daniel works for the City of Grand Forks as Corporate Officer & Manager of Information Technology where he manages information technology assets and is responsible for all legislative and corporate functions. His department is responsible for City communications and marketing and contributes to economic development projects, risk evaluation, and drafting bylaws and policies.

Daniel is also an entrepreneur, having owned and operated Drexler Computer Systems Ltd. for 11 years. His company provided technical services for client servers, networks, and computers as well as IT support and consulting for industrial, municipal, small and medium businesses, educational institutions, and community members.

An active volunteer in the Boundary region, Daniel served as a board member of Community Futures Boundary for five years—a non-profit which supports and leads economic development projects and helps to build a healthy economy in the Boundary region. Daniel was honoured as Volunteer of the Year by Community Futures Boundary in 2013.

Daniel also spent two years as a board member of the Grand Forks Chamber of Commerce, and he served on the Grand Forks Credit Union Board for 7 years prior to the merger when he joined the Board of Gulf & Fraser.

Served on the Board since: 2023

Elmer Epp


Mr. Epp’s membership in Interior Savings goes back over 40 years. He has also been a member of our organization’s Board for 20+ years, including serving as the Chair from 1998 to April 2020. From 2013-2019 he served on the Board of Central 1 Credit Union, which represents all the Credit Unions in BC and most of the Credit Unions in Ontario. While at Central 1 he served as Chair of the Legislative Affairs Committee.

Mr. Epp has been a lawyer for 40 years, specializing in corporate and commercial law. He is now retired giving him more time to dedicate to Interior Savings.

Served on the Board since: 1995

Reg Foot


Mr. Foot has been employed for over 20 years as a Sales Manager at Carrier Lumber in Prince George. He has a passion for the co-operative system and was a Board member of the Spruce Credit Union for over 10 years with the last two as the Board Chair. Reg is a graduate of the Credit Union Director Achievement (CUDA) program and holds a diploma in Marketing Management. He is also the owner/operator of a water ski school that has been in operation for over 30 years.

Served on the Board since: 2022

Nate Hampson


Nathan was born, raised, and has lived in Abbotsford his entire life. He and his wife, Maja, are the proud parents of two young children.

He has worked in the technology industry for 15 years. In that time, he has built a successful consultancy firm that has helped hundreds of businesses build strategy and cope with change around technology and digital transformation. This includes businesses and not-for-profits in the medical, legal, financial, education, agriculture, manufacturing, and various other sectors.

He is passionate about building sustainable organizations that provide a social good. He is proud to provide a healthy working environment for his employees, striving to counter the high-stress and overworked culture typical of the technology industry. He is excited about cooperative values and the alternative vision they provide: to build a strong, healthy, and socially beneficial financial institution whose duty is first and foremost to its members.

Nathan proudly served on the board of the Aldergrove Credit Union and is honored and excited to continue serving as a director in the merged credit union. He looks forward to navigating the challenging and rapidly changing world with the strong, combined team and vision of Aldergrove Credit Union and Gulf & Fraser.

Served on the Board since: 2021

Tracey Scott


Tracey has been in the construction industry for over 30 years, starting in the field by swinging a hammer, and then moving on to various sectors as Production & Logistics Manager, Business Owner, and ultimately her current role as Project Manager with Quantum Properties.

Born and raised in Abbotsford/Mission, Tracey became a member of Matsqui Credit Union in 1976 and is a strong believer in the cooperative principals of the credit union. The importance of putting members first, and providing support to the communities where our members live, work and play are paramount to Tracey’s values.

Tracey has strong organizational and communication skills. She is looking forward to being a productive Director of Gulf & Fraser’s Board and is ready to roll up her sleeves and dig into the opportunities that will present themselves now and in the future.

Served on the Board since: 2021

Bruce Tisdale


Mr. Tisdale is a Chartered Professional Accountant with an extensive background in senior school district business administration. He also provides consulting services to school districts and works with the Ministry of Education.

Bruce has served on various provincial committees in areas such as labor relations, technology, shared services, and finance. He continues to serve as a mentor to administration professionals new to the education sector. He is currently employed as a Secretary Treasurer for a smaller school district in the Okanagan. He and his family have been involved with credit unions for more than fifty years.

Served on the Board since: 2018

Bill Wilby


Bill Wilby is an experienced credit union board director who is passionate about cooperative organizations and their potential to enhance the lives of members and communities.

Bill’s hometown is Alert Bay, but Bill and his wife Sandra have lived in the Grand Forks area for the last 40 years. Together they built a photography business and raised their two daughters while enjoying a rural lifestyle. Bill now operates an online bike sale business and participates with his daughter Ann’s organic market garden farm. Bill has served a combined twelve years as a credit union director on two credit unions, Grand Forks and Stabilization Central. For Grand Forks he served on all board committees and was the vice chair and the chair of the board. Bill has been the chair of credit union peer group three, the chair of the local Agricultural Society and volunteers for the local food co-op.

Bill views his service as a credit union director as a career and has participated in many training courses, meetings and system conferences. He is an Accredited Canadian Credit Union Director (ACCUD), a Certified Credit Union Director (CCD I & II) and holds many certificates related to governance and co-ops. Full details can be viewed here,

Bill feels strongly that the rapidly changing financial services industry provides opportunities for credit unions and especially for the regionally diverse Gulf & Fraser Credit Union. Bill is future focused, a student of technology and would like to contribute to the success of Gulf & Fraser building the credit union of the future.

Lee Varseveld


Lee first became a member of Gulf & Fraser in the 1980s as a salmon and herring fisherman. Since fishing, Lee has enjoyed a long and rewarding career in the marine insurance industry as an employee of Pacific Coast Fishermen’s Mutual Marine Insurance Company – a membership-driven Mutual. Lee is a Chartered Insurance Professional and currently serves as General Manager of the company reporting to its Board of Directors.

Since joining the Gulf & Fraser Board in 2014, Lee has served on every committee of the Board and currently serves as Chair for the Investment & Lending Committee. Lee finds the role of Director exciting and rewarding. Working in the context of the rapid and fundamental changes facing credit unions and the greater financial institution community remains a highlight of the experience.

Lee continues a path of life-long learning to strengthen his contribution to the continued success of the credit union and holds the designation of Certified Credit Union Director.

Lee is enthusiastic about contributing to Gulf & Fraser’s goal of helping its members, staff, and community to power their possible.

Served on the Board since: 2014

Tracey Wolsey


Ms. Wolsey is an energy industry professional committed to the north. Born and raised in northeast BC, Tracey resides in the Fort St. John area with her husband and extended family after retiring from a long and productive career with Suncor Energy from 1998-2021. Her post secondary education includes a Bachelor of Arts degree in Political Science from the University of Calgary, a Master’s degree from the University of Northern British Columbia and a leadership program from Harvard. She has received several awards including Suncor President’s Operational Excellence Awards and a BC ‘Outstanding Resources Woman of Honor’ award.

Served on the Board since: 2023


Meet our executive team

You can think of our executive team as the spokespeople of our credit union, handling all Gulf & Fraser’s decisions, policies, and operational issues. They’re also in charge of supporting our board, identifying trends, providing advice, and developing key strategies to achieve our mission, vision and strategic objectives.

Bill Kiss


Bill Kiss has been with Gulf & Fraser for 27 years—initially as the Chief Financial Officer and then taking on the role of Co-Chief Executive Officer in 2011. He is also Director of Gulf and Fraser Insurance Services.

Bill is a Chartered Professional Accountant (CPA, CGA) having worked for a local chartered accounting firm for 10 years prior to joining Gulf & Fraser. Throughout that period, Bill worked in increasingly senior roles on the Gulf & Fraser external audit team.

Bill holds a Bachelor of Science in Mathematics/Statistics as an undergraduate degree and a Licentiate in Accounting post-graduate degree from the University of British Columbia. He is a Certified Credit Union Director (CCD) as a result of attending the Credit Union Executive Society’s governance program at the Rotman School of Management.

Bill has been active on several boards within the financial industry and enjoys connecting with credit union leaders across Canada throughout the year. He served nine years on the Board of Central 1, an organization representing member credit unions in BC and Ontario, ending in 2022. During his time with Central 1, he served three years in the capacity as Board Chair, two years as Board Vice-Chair, and various terms chairing the Risk Review, and Investment and Lending, Audit & Finance, Technology and Conduct Review and Governance committees. He also participated as a member of all of the various committees. Through his involvement at Central 1, Bill had direct input into key initiatives that directly affect the experience of credit union employees and millions of credit union members.

From 2018 – 2023, Bill was a member of the Board of Directors for The Co-operators Group Limited, a leading Canadian co-operative which provides multi-line insurance and financial services. The Co-operator’s membership includes co-operative organizations across the country, credit union centrals, and representative farm organizations. Bill was on the Co-operators’ Risk and Compensation Committee for four years and on the Audit & Finance Committee for one year.

From 2013 – 2018, Bill served on the CUMIS Board of Directors—a provider of insurance products and services to the Canadian credit union system. He was a member of the Audit, Finance and Risk Committee throughout his tenure.

Bill works closely with Co-CEO, Jeff Shewfelt, to oversee operations. They share joint responsibility for all CEO duties and attribute their success to their team members and to trust and mutual respect. Bill and Jeff have worked together in various capacities for 30 years and as Co-CEOs since 2011. They demonstrate the ultimate co-operative: learning from each other, expecting the best from each other, and knowing that— collectively—they are better. 

"We are very different in personality and skillset—that is why and how it works. We respect each other. We learn from each other."

Bill's main focus these days is on how best to position Gulf & Fraser to service its members. 

"We’ve been setting ourselves up for changes for the last several years—right-sizing our branches, preparing for changes in banking processes, banking technology and creating the Money Advisor role."

Bill offers this advice to other credit union leaders:

"Thrive. Don’t just survive. Keep growing to maintain relevance. Ensure executives are open to collaboration. Keep in close contact with other credit unions."

Jeff Shewfelt


Jeff Shewfelt has 35 years’ experience in the financial services industry having joined Gulf and Fraser in 1991 as a management trainee. With Bill Kiss, Jeff was appointed Co-Chief Executive Officer in 2011. Jeff held ever-increasing responsibilities prior to his appointment as Co-CEO in areas of retail and commercial lending, service delivery, human resources, marketing and strategy. He has a Bachelor of Commerce from UBC, Certified Credit Union directors from CUES and is a Fellow of the Credit Union Institute of Canada.

Jeff is most proud of the growth that Gulf & Fraser has experienced during his time at the credit union which has created opportunity for members, staff and the community. That growth includes increasing the branch network from two branches to 29 and assets that are approaching $5 billion.

In years past, credit unions were established because members couldn’t get loans or financial services from traditional banks. Now, fewer consumers are excluded, but members belong to credit unions because the values match their own and they expect world class solutions and applications that will make their financial lives easier. The next challenge is to meet the ever-increasing expectations of consumers and members in an industry being impacted by significant digital disruption. Jeff is excited by the challenges of designing and delivering a new digital financial services experience that will help members achieve their personal financial goals.

"As Co-CEO, the greatest challenge is to ensure that we have a great team of knowledgeable staff providing exceptional personal service, that our products and services are meeting the needs of our members and that we are making the appropriate investments in technology to serve members when, where and how they want to be served."

Jeff firmly believes in the collaborative and community values held by Gulf & Fraser. He is a champion of the principle of cooperation among cooperatives and has chaired several industry initiatives to bring benefit to not just Gulf & Fraser, but to all credit unions.

Jeff also invests considerable time in charitable initiatives. Jeff is proud to be Trustee Emeritus of the Credit Union Foundation of British Columbia—a philanthropic organization that provides education awards to students in need of financial assistance. He is former Chair of the First Tee of Greater Vancouver and is a proud supporter of the United Way, BC Children’s Hospital and Zajac Ranch for Kids.  

Bobby Dhillon

Chief Marketing Officer

Bobby Dhillon has been with Gulf & Fraser since 2013 and has worked in various capacities within the credit union industry for over two decades.

Bobby holds a Masters of Business Administration from the Beedie School of Business at Simon Fraser University and a Bachelors of Business Administration from the University of the Fraser Valley.

At Gulf & Fraser, Bobby is responsible for setting the strategic direction of Gulf & Fraser’s brand, marketing, communications, community investment and research initiatives. She leads the development of marketing strategies to increase member engagement, retention and conversion rates. She works closely with other leaders at Gulf & Fraser, determining strategy and direction for the organization and provides leadership to the project management office to execute on strategic initiatives.

Bobby encourages her team to serve with passion, commitment and enthusiasm, drawing on her belief that “to lead is to serve.” As a strong people manager, Bobby is known for supporting, investing in, and empowering her team to achieve their best work.

Wajida Leclerc

Chief People & Culture Officer

Wajida Leclerc joined our credit union as Chief People and Culture Officer in November 2022 and brings experience from the global telecom, biotechnology, pharmaceutical and entertainment industries having worked in Canada, Europe and Asia. She comes with extensive experience in leading companies through transformation and rapid growth with more than 25 years of work in human resources-related positions.

Wajida holds a Bachelor of Arts in Liberal Arts and Business as well as her Chartered Professionals in Human Resources (CPHR) designation, and a certificate in Organizational Leadership from the London School of Economics. Wajida Leclerc has dedicated some of her spare time to supporting the Mosaic organization, whose work focused on helping immigrants and refugees settle in Canada. As well she mentors HR professionals pursuing their CHRP designation. 

At Gulf & Fraser, Wajida is responsible for mentoring staff, engaging employees and leading people through change and innovation. Drawing on her background in systems integration, she is leading improvements to the credit union’s human resources information system. She works closely with other leaders at Gulf & Fraser, driving a shared vision following merger and cultural integration initiatives, for a cohesive organizational culture that supports the credit union’s growth. In addition, she leads Gulf & Fraser’s diversity, equity and inclusion (DE&I) initiatives.

Wajida believes that by encouraging people to be their better selves to contribute to the organization’s goals and by aligning culture and strategy, we can strengthen our credit union and ultimately enhance services for our members. 

Ron Lee

Chief Financial Officer

Ron Lee has over 25 years' of combined financial expertise in public practice and industry. He has been with Gulf & Fraser since 2001, working his way from Controller to Associate Vice President, Finance, to his current role as Chief Financial Officer. He is also a Director of Gulf and Fraser Insurance Services Ltd.

Ron is a Chartered Professional Accountant (CPA, CA) and holds a Bachelor of Commerce from the University of British Columbia.

Prior to joining Gulf & Fraser, Ron articled at Shikaze Ralston, Chartered Accountants (now part of KPMG) specializing in the areas of audit and tax. He has also worked at Telus Mobility in various management finance roles in the areas of accounting and financial planning & analysis.

At Gulf & Fraser, Ron is part of the executive team that sets the strategic direction of the organization and he oversees the accounting, compliance, financial planning & analysis and treasury functions of the credit union. Ron also participates on a number of regulatory working groups with the BC Financial Services Authority (BCFSA) and the Credit Union Deposit Insurance Corporation (CUDIC) to ensure ongoing confidence and stability in the BC Credit Union system while maintaining a framework that allows credit unions to thrive and serve their members effectively. 

During his tenure as Vice President, Finance and as CFO, Ron has overseen significant growth of the credit union, more than quadrupling the size of assets under administration. Ron takes great pride in being a steward of the members of the credit union.

“As CFO, it is very rewarding to see our credit union grow, prosper and continually reinvest in our organization enriching the lives of our members, staff and communities we serve. Our highly engaged culture and our focus on providing the best member experience possible is our special sauce."

In his spare time, Ron enjoys playing ice hockey and golf as well as coaching minor hockey. 

Nelson Sandhu

Chief Experience & Innovation Officer

Nelson Sandhu has been with Gulf & Fraser since 2007, holding the position of Chief Experience and Innovation Officer since 2018. He has 18 years of experience in the financial services industry as well as international work experience.

A specialist in consumer behaviour, Nelson holds a Master’s Degree in Behavioural Science from the London School of Economics, a Master’s in Business Administration from the Ivey School of Business and a Master's Diploma in Strategy and Innovation from the University of Oxford. In 2022, he completed the INSEAD International Directors Program in Singapore.

Nelson has held positions within the Finance Mentorship Program at the Sauder School of Business, UBC where he mentors business students. He is a faculty member at the School of Business at Kwantlen Polytechnic University. He is on the advisory board of Mobetize, a fintech delivering modern white label digital banking applications.

Nelson moved through multiple ranks at Gulf & Fraser—starting as Branch Manager, moving to Regional Manager, to VP of Member Experience, and to his current role as Chief Experience and Innovation Officer. He oversees multiple functions at Gulf & Fraser including: commercial, retail and business banking; Gulf & Fraser’s Member Hub contact centre; broker services; mobile service delivery; member experience; and, digital transformation providing data analytics, service design, and user experience.

“The bottom line is important whether you are profit or non-profit. You need that bottom line to be in the business. But the key ingredient is people.

If you don’t have the right people, you can have all the right ideas and the best business model and it will still fail.”

Nelson is a keen student of how consumers and technologies interact resulting in disruption and change, and has studied the science of consumer behaviour. As part of his leadership role, Nelson participates in Gulf & Fraser “ThinkTanks” and other working groups where employees collaborate, share ideas and develop new member services.

“I enjoy seeing people grow and develop. It’s the people that make the business successful.

I love the culture, the change management and how we are willing to try new things. For example, our new Money Advisor model and opening our cashless branches.”

When asked what he feels is the most important quality of a credit union leader, Nelson says:

“Look beyond the credit union system. Be open and ready to learn. It’s not local, it’s global now. The way you think and learn should be borderless.”

Nelson speaks English, Cantonese, Punjabi and Hindi. In his off hours, he coaches soccer for Cloverdale Catholic School.

Mary Lynn Baker

Chief Information Officer

Mary Lynn Baker joined our credit union as Chief Information Officer in August 2021, following the successful merger with Aldergrove Credit Union.

Mary Lynn began her career in the financial services industry at Aldergrove Credit Union in 1996 and has held various roles and responsibilities over the years.

Mary Lynn is responsible for leading the management and execution of the credit union’s network, security, and operational systems. She develops strategies to foster organizational efficiencies; innovation and creativity in the planning, design and implementation of operational processes and procedures; as well as technology standards and solutions, ensuring initiatives and procedures related to the delivery of these services strategically align with the credit union objectives.

“I’m most proud of the people on my team and the work that they have accomplished together to streamline operational areas, champion change, and introduce new technologies to the credit union.”

As a lifelong learner and change-agent, Mary Lynn believes that the most valuable lessons in her professional career have come from a combination of experience, collaboration within the credit union system, and research. Above all, Mary Lynn believes that service to members, employees and our community comes first.

“Our team is comprised of smart, talented and driven individuals who understand that our work behind the scenes is about making it easier for our members to do their banking, and easy for our employees to deliver the best service to our members.”

Scott Betts

Chief Risk Officer

Scott Betts has been with Gulf & Fraser since 2018—initially as Vice President, Risk Credit and Compliance, and transitioning to Chief Risk Officer in 2021.

Scott holds an Executive Master of Business Administration from Simon Fraser University and a Bachelor of Commerce from the University of Victoria.

Prior to joining Gulf & Fraser, Scott served as the Practice Lead, Risk Advisory Services for PRA Canada where he assisted financial institutions across Canada in building leading edge risk management and compliance regimes. Scott also served as a Director of Prudential Supervision for the British Columbia Financial Services Authority where he supported financial stability efforts. 

Within BC’s financial system, Scott serves on working committees to establish guidelines and set high standards for delivering financial services in a manner that puts the consumer first and demands accountability from financial institutions. He has collaborated on a number of impactful projects—establishing the nationwide Market Code of Conduct and restructuring Canada’s Central Bank protocols for managing liquidity, among other initiatives.

At Gulf & Fraser, Scott oversees a team of professionals who collectively manage credit approvals, collections, risk management, compliance, and organization-wide policy.

During his first three years, Scott was instrumental in managing a substantial shift in company culture through restructuring our credit risk management and sales functions in our Commercial Lending Department, all while achieving record profits and driving cost-efficiency. He led strategic initiatives in Gulf & Fraser’s merger with Aldergrove Credit Union, setting out best practices and templates which were used for two subsequent mergers and working with BCFSA to streamline the merger/acquisition process for future partnerships. Scott was also key to leading our organization’s response to the COVID-19 pandemic.

Currently, Scott is overseeing risk and policy changes as the organization works to integrate four credit unions into one, following the successful mergers with Aldergrove Credit Union, V.P. Credit Union, and Mount Lehman Credit Union in 2021.

“As the financial industry experiences rapid change, it’s exciting to lead a team that is focused on managing the risks and capitalizing on the opportunities to deliver the best service to our members.

We have worked hard to build a mindset focused on value generation for our members within the bounds of our Board’s established risk appetite. It’s exhilarating to see my team challenge historical norms with innovative approaches that lean on data and forward modelling, progressing risk management into the next phase of its evolution.”


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Other pages you may find interesting

Annual reports

Take a look at our annual reports and accompanying financial statements to find out more about our strong stability and commitment to members.

Our vision

Our aim is to create a future where everyone in our communities can achieve financial wellness, igniting opportunities for members and empowering them to reach their goals.