Core System

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About

Core System

Core Support

Consulting Services

Training & Resources

About

Owned by credit unions. Governed by credit union leaders.

Meet the Board of Directors

CU*NorthWest is a cooperative, which means it's owned by the credit unions it serves. Our board of directors is made up of credit union CEOs and industry leaders who understand your challenges firsthand. They don't just set direction for CU*NorthWest - they live the same realities you do every day.

CU*NorthWest board of directors meeting – cooperative credit union governance leadership

Cooperative Governance

CU*NorthWest isn't a vendor. It's a credit union service organization - a CUSO - built on the cooperative model. That means the credit unions we serve aren't just clients. They're owners with a real voice in how we operate, what we prioritize, and where we're headed.

Credit Union Owned

Credit Union Owned

Governed by Your Peers

Governed by Your Peers

Every Client Can Be a Shareholder

Every Client Can Be a Shareholder

What cooperative ownership means for your credit union

Ownership, not just membership

Every CU*NorthWest client credit union has the option to become a shareholder, giving you a direct stake in the organization that supports your core system.

Governance by credit union leaders

Our board is made up of CEOs and executives from credit unions that use CBX every day. They bring real operational experience to the decisions that shape CU*NorthWest's direction.

Your voice shapes priorities

Shareholders participate in governance, vote on key decisions, and have input into the products, services, and strategic priorities CU*NorthWest pursues.

Aligned incentives

Because CU*NorthWest is owned by the credit unions it serves, our success is directly tied to yours. There are no outside investors pushing competing priorities.

A cooperative model built around credit unions

The cooperative structure isn't just a label. It's how CU*NorthWest stays accountable to the institutions it serves. Your board members work at credit unions that depend on the same core system, the same support team, and the same strategic direction.

When the board makes a decision, they're making it for their own credit unions, too. That alignment is something you won't find with a traditional vendor.

Your Board

The people who guide CU*NorthWest aren't career board members or outside consultants. They're credit union CEOs and executives who run their own teams, serve their own members, and use CBX to do it. They bring the perspective of operators, not observers.

Alan Cortum – CU*NorthWest Board Chair, CEO of Valley Oak Credit Union

Alan Cortum

CEO, Valley Oak Credit Union

Board Role

Chairman

Location

Three Rivers, CA

Alan began his credit union career in 1986 and has held roles across operations, lending, and executive leadership. He became President and CEO of Valley Oak Credit Union in 2011. Alan holds a master’s degree in finance from San Diego State University and is a graduate of Western Credit Union Management School and the CUES CEO Institute. He remains active in credit union league functions, and has served in advisory roles for Trellance and California’s Credit Unions.

Alan Cortum – CU*NorthWest Board Chair, CEO of Valley Oak Credit Union

Alan Cortum

CEO, Valley Oak Credit Union

Board Role

Chairman

Location

Three Rivers, CA

Alan began his credit union career in 1986 and has held roles across operations, lending, and executive leadership. He became President and CEO of Valley Oak Credit Union in 2011. Alan holds a master’s degree in finance from San Diego State University and is a graduate of Western Credit Union Management School and the CUES CEO Institute. He remains active in credit union league functions, and has served in advisory roles for Trellance and California’s Credit Unions.

Alan Cortum – CU*NorthWest Board Chair, CEO of Valley Oak Credit Union

Alan Cortum

CEO, Valley Oak Credit Union

Board Role

Chairman

Location

Three Rivers, CA

Alan began his credit union career in 1986 and has held roles across operations, lending, and executive leadership. He became President and CEO of Valley Oak Credit Union in 2011. Alan holds a master’s degree in finance from San Diego State University and is a graduate of Western Credit Union Management School and the CUES CEO Institute. He remains active in credit union league functions, and has served in advisory roles for Trellance and California’s Credit Unions.

Charles Papenfus – CU*NorthWest Board Member, CEO of Inland Valley Federal Credit Union

Charles Papenfus

CEO, Inland Valley Federal Credit Union

Board Role

Vice Chairman

Location

Fontana, CA

Website

Chuck has served as CEO of Inland Valley since 1993, after joining the organization in 1985. He holds board and advisory roles across the credit union industry, including the California Credit Union League, Catalyst Western Region Council, and Southern California Credit Union Alliance. Chuck earned a master’s degree from Claremont Graduate University and a bachelor’s degree from the University of California, San Diego.

Charles Papenfus – CU*NorthWest Board Member, CEO of Inland Valley Federal Credit Union

Charles Papenfus

CEO, Inland Valley Federal Credit Union

Board Role

Vice Chairman

Location

Fontana, CA

Website

Chuck has served as CEO of Inland Valley since 1993, after joining the organization in 1985. He holds board and advisory roles across the credit union industry, including the California Credit Union League, Catalyst Western Region Council, and Southern California Credit Union Alliance. Chuck earned a master’s degree from Claremont Graduate University and a bachelor’s degree from the University of California, San Diego.

Charles Papenfus – CU*NorthWest Board Member, CEO of Inland Valley Federal Credit Union

Charles Papenfus

CEO, Inland Valley Federal Credit Union

Board Role

Vice Chairman

Location

Fontana, CA

Website

Chuck has served as CEO of Inland Valley since 1993, after joining the organization in 1985. He holds board and advisory roles across the credit union industry, including the California Credit Union League, Catalyst Western Region Council, and Southern California Credit Union Alliance. Chuck earned a master’s degree from Claremont Graduate University and a bachelor’s degree from the University of California, San Diego.

Jake Harbour – CU*NorthWest Board Member, President/CEO of Santa Barbara County FCU

Jake Harbour

President/CEO, Santa Barbara County FCU

Board Role

Secretary Treasurer

Location

Santa Barbara, CA

Jake began his credit union career in 2006 and gained experience across lending, accounting, operations, and management. He became President/CEO of Santa Barbara County FCU in 2018. Jake is a graduate of Western Credit Union Management School and holds a bachelor’s degree in economics from Sacramento State University. He is also active in his community through volunteer work and mentorship.

Jake Harbour – CU*NorthWest Board Member, President/CEO of Santa Barbara County FCU

Jake Harbour

President/CEO, Santa Barbara County FCU

Board Role

Secretary Treasurer

Location

Santa Barbara, CA

Jake began his credit union career in 2006 and gained experience across lending, accounting, operations, and management. He became President/CEO of Santa Barbara County FCU in 2018. Jake is a graduate of Western Credit Union Management School and holds a bachelor’s degree in economics from Sacramento State University. He is also active in his community through volunteer work and mentorship.

Jake Harbour – CU*NorthWest Board Member, President/CEO of Santa Barbara County FCU

Jake Harbour

President/CEO, Santa Barbara County FCU

Board Role

Secretary Treasurer

Location

Santa Barbara, CA

Jake began his credit union career in 2006 and gained experience across lending, accounting, operations, and management. He became President/CEO of Santa Barbara County FCU in 2018. Jake is a graduate of Western Credit Union Management School and holds a bachelor’s degree in economics from Sacramento State University. He is also active in his community through volunteer work and mentorship.

Meagan Barrett – CU*NorthWest Board Member, CEO of Northern Colorado Credit Union

Meagan Barrett

CEO, Northern Colorado Credit Union

Board Role

Board Member

Location

Greeley, CO

Website

Meagan began her financial services career in 2004 and joined Northern Colorado Credit Union as Vice President of Operations in 2015. She was named President and CEO in 2022. Meagan is a graduate of Western Credit Union Management School and the Mountain West Credit Union Association Leadership Institute. She and her credit union are active participants in the GoWest Credit Union Association.

Meagan Barrett – CU*NorthWest Board Member, CEO of Northern Colorado Credit Union

Meagan Barrett

CEO, Northern Colorado Credit Union

Board Role

Board Member

Location

Greeley, CO

Website

Meagan began her financial services career in 2004 and joined Northern Colorado Credit Union as Vice President of Operations in 2015. She was named President and CEO in 2022. Meagan is a graduate of Western Credit Union Management School and the Mountain West Credit Union Association Leadership Institute. She and her credit union are active participants in the GoWest Credit Union Association.

Meagan Barrett – CU*NorthWest Board Member, CEO of Northern Colorado Credit Union

Meagan Barrett

CEO, Northern Colorado Credit Union

Board Role

Board Member

Location

Greeley, CO

Website

Meagan began her financial services career in 2004 and joined Northern Colorado Credit Union as Vice President of Operations in 2015. She was named President and CEO in 2022. Meagan is a graduate of Western Credit Union Management School and the Mountain West Credit Union Association Leadership Institute. She and her credit union are active participants in the GoWest Credit Union Association.

Heri Eddie Garcia – CU*NorthWest Board Member, CEO of Thinkwise credit union

Heri "Eddie" Garcia

CEO, Thinkwise Credit Union

Board Role

Board Member

Location

San Bernardino, CA

Eddie transitioned to the credit union industry after building experience with The Walt Disney Company. He advanced through roles in training, operations, and executive leadership, becoming President/CEO in 2017. Eddie brings a strong background in customer service and organizational leadership.

Heri Eddie Garcia – CU*NorthWest Board Member, CEO of Thinkwise credit union

Heri "Eddie" Garcia

CEO, Thinkwise Credit Union

Board Role

Board Member

Location

San Bernardino, CA

Eddie transitioned to the credit union industry after building experience with The Walt Disney Company. He advanced through roles in training, operations, and executive leadership, becoming President/CEO in 2017. Eddie brings a strong background in customer service and organizational leadership.

Heri Eddie Garcia – CU*NorthWest Board Member, CEO of Thinkwise credit union

Heri "Eddie" Garcia

CEO, Thinkwise Credit Union

Board Role

Board Member

Location

San Bernardino, CA

Eddie transitioned to the credit union industry after building experience with The Walt Disney Company. He advanced through roles in training, operations, and executive leadership, becoming President/CEO in 2017. Eddie brings a strong background in customer service and organizational leadership.

Paris Chevalier – CU*NorthWest Board Member, President/CEO of South Bay Credit Union

Paris Chevalier

President/CEO, South Bay Credit Union

Board Role

Board Member

Location

Redondo Beach, CA

Paris has more than 20 years of financial services experience and is an active leader in the credit union industry. She serves on the Executive Committee of CUNA’s Marketing & Business Development Council and the Board of the CUES Southern California/Nevada Council, and regularly participates in credit union advocacy efforts at the state and national levels.

Paris Chevalier – CU*NorthWest Board Member, President/CEO of South Bay Credit Union

Paris Chevalier

President/CEO, South Bay Credit Union

Board Role

Board Member

Location

Redondo Beach, CA

Paris has more than 20 years of financial services experience and is an active leader in the credit union industry. She serves on the Executive Committee of CUNA’s Marketing & Business Development Council and the Board of the CUES Southern California/Nevada Council, and regularly participates in credit union advocacy efforts at the state and national levels.

Paris Chevalier – CU*NorthWest Board Member, President/CEO of South Bay Credit Union

Paris Chevalier

President/CEO, South Bay Credit Union

Board Role

Board Member

Location

Redondo Beach, CA

Paris has more than 20 years of financial services experience and is an active leader in the credit union industry. She serves on the Executive Committee of CUNA’s Marketing & Business Development Council and the Board of the CUES Southern California/Nevada Council, and regularly participates in credit union advocacy efforts at the state and national levels.

Geoff Johnson – CU*NorthWest Board Member, CEO of CU*Answers Inc.

Geoff Johnson

CEO, CU*Answers, Inc.

Board Role

Board Member

Location

Grand Rapids, MI

Geoff serves as the CEO of CU*Answers, bringing 16 years of credit union leadership experience and a wealth of practical lending experience and industry knowledge to the role. He’s a key partner and advocate of the cuasterisk.com network of credit union service organizations. Since joining CU*Answers in 2005 as EVP of Client Interactions, Geoff has been instrumental in the growth and development of the Management Services teams, including Earnings Edge, Lender*VP, AuditLink, Web Services, Cards & Payments, and Imaging Solutions.

Geoff Johnson – CU*NorthWest Board Member, CEO of CU*Answers Inc.

Geoff Johnson

CEO, CU*Answers, Inc.

Board Role

Board Member

Location

Grand Rapids, MI

Geoff serves as the CEO of CU*Answers, bringing 16 years of credit union leadership experience and a wealth of practical lending experience and industry knowledge to the role. He’s a key partner and advocate of the cuasterisk.com network of credit union service organizations. Since joining CU*Answers in 2005 as EVP of Client Interactions, Geoff has been instrumental in the growth and development of the Management Services teams, including Earnings Edge, Lender*VP, AuditLink, Web Services, Cards & Payments, and Imaging Solutions.

Geoff Johnson – CU*NorthWest Board Member, CEO of CU*Answers Inc.

Geoff Johnson

CEO, CU*Answers, Inc.

Board Role

Board Member

Location

Grand Rapids, MI

Geoff serves as the CEO of CU*Answers, bringing 16 years of credit union leadership experience and a wealth of practical lending experience and industry knowledge to the role. He’s a key partner and advocate of the cuasterisk.com network of credit union service organizations. Since joining CU*Answers in 2005 as EVP of Client Interactions, Geoff has been instrumental in the growth and development of the Management Services teams, including Earnings Edge, Lender*VP, AuditLink, Web Services, Cards & Payments, and Imaging Solutions.

Will Hall – CU*NorthWest Board Member, President/CEO of Newrizons Federal Credit Union

Will Hall

President/CEO, Newrizons Federal Credit Union

Board Role

Associate Board Member

Location

Hoquiam, WA

Will joined Newrizons Federal Credit Union as CEO in 2023. He previously served as Vice President of Risk Management at the GoWest Credit Union Association, supporting credit unions with risk and compliance. Will began his career at the National Association of Federal Credit Unions after earning his law degree. He also worked as a consultant for the World Council of Credit Unions, and the Idaho Credit Union League. He graduated from Western Credit Union Management School in 2016.

Will Hall – CU*NorthWest Board Member, President/CEO of Newrizons Federal Credit Union

Will Hall

President/CEO, Newrizons Federal Credit Union

Board Role

Associate Board Member

Location

Hoquiam, WA

Will joined Newrizons Federal Credit Union as CEO in 2023. He previously served as Vice President of Risk Management at the GoWest Credit Union Association, supporting credit unions with risk and compliance. Will began his career at the National Association of Federal Credit Unions after earning his law degree. He also worked as a consultant for the World Council of Credit Unions, and the Idaho Credit Union League. He graduated from Western Credit Union Management School in 2016.

Will Hall – CU*NorthWest Board Member, President/CEO of Newrizons Federal Credit Union

Will Hall

President/CEO, Newrizons Federal Credit Union

Board Role

Associate Board Member

Location

Hoquiam, WA

Will joined Newrizons Federal Credit Union as CEO in 2023. He previously served as Vice President of Risk Management at the GoWest Credit Union Association, supporting credit unions with risk and compliance. Will began his career at the National Association of Federal Credit Unions after earning his law degree. He also worked as a consultant for the World Council of Credit Unions, and the Idaho Credit Union League. He graduated from Western Credit Union Management School in 2016.

Board FAQs

What does it mean that CU*NorthWest is a cooperative?

CU*NorthWest is a credit union service organization (CUSO) that operates on a cooperative model. That means it's owned by the credit unions it serves, not by outside investors or a parent company. Client credit unions can become shareholders and participate in governance, including voting on key decisions and electing board members. The cooperative structure keeps CU*NorthWest's priorities aligned with the credit unions that depend on it.

Can my credit union become a shareholder?

Yes. All CU*NorthWest client credit unions have the option to become shareholders. Shareholders have a direct ownership stake and a voice in governance, including the ability to nominate and elect board members. If you're already a client and want to learn more about becoming a shareholder, contact the CU*NorthWest team.

Who serves on the CU*NorthWest board of directors?

The board is made up of credit union CEOs and industry leaders from across CU*NorthWest's client base. Board members are active credit union operators who use the same core system and services. This means governance decisions are made by people with direct, hands-on experience running credit unions.

How does the CU*NorthWest board represent my credit union's interests?

Board members serve credit unions that face the same challenges yours does. They help set CU*NorthWest's strategic direction, approve investments in new capabilities, and ensure the organization stays focused on what matters most to the credit unions it supports. Because they're operators themselves, they bring a practical perspective that's grounded in real credit union work.

What's the relationship between CU*NorthWest and CU*Answers?

CU*Answers builds and maintains the CBX core banking system. CU*NorthWest is a cooperative CUSO that provides the local relationship, support, consulting, and day-to-day service delivery for credit unions on the CBX platform. CU*NorthWest owns the relationship with your credit union and coordinates with CU*Answers and other partners behind the scenes so you always know who to call.

Ready to learn more about the cooperative advantage?

Whether you're exploring a new core partner or want to understand what cooperative ownership looks like in practice, we're happy to talk it through.