Credit Analysis Committee

Tim Stephens, Chairman

Tim is president and CEO of $25 million Health Care Family Credit Union in St. Louis, MO. Prior to joining Health Care Family in 1998, Tim served as vice president of operations for First Missouri Credit Union. He has worked in the financial services industry since 1991.

Rick Nichols, Committee Member

Rick joined $38 million River Region Credit Union, Jefferson City, MO, as vice president in 1992, and was promoted to president in 1996. He has a total of 15 years of banking experience, including commercial, agriculture and consumer lending. Rick has a BSBA from Central Missouri State University.

John Servos, Committee Member

John is chief financial officer and vice president of finance for $158 million Neighbors Credit Union. Prior to joining the credit union in 1998, he worked for KPMG Peat Marwick in financial services and has a total of 14 years of combined financial industry and public accounting experience.