Leadership Team


The Executive Team works with our Board of Directors to ensure the direction of daily operations is in alignment with our overall corporate initiatives and goals.


VSECU is governed by a volunteer board composed of members, who serve a three-year term and meet monthly with the CEO and Executive Team.


Our Supervisory Committee consists of three members who meet quarterly with a responsibility of overseeing annual audits and affairs of the credit union.

VSECU’s Executive Team

Our Executive Team works closely with our Board of Directors to ensure that our credit union is providing members with the best possible experience and service.

Robert Miller
Chief Executive Officer

Terence Field
Senior Vice President
Finance Officer

Yvonne M. Garand
Senior Vice President
Marketing & Business Development Officer

Rick Hommel
Senior Vice President
Technology & Operations Officer

Charles D. Karparis
Senior Vice President
Lending Officer

VSECU Board of Directors

VSECU is governed by our Board of Directors who are member-volunteers elected by the credit union membership.

Serving on the VSECU Board of Directors is a unique opportunity to get involved and share your expertise in guiding the credit union. The responsibility of the Board of Directors is broad, requiring a prudent, responsible, and thoughtful commitment to overseeing the safety and soundness, risk management, operations, performance and strategic direction of the credit union. A diverse and skilled board that represents the diversity of our membership is important.

Board members serve a three-year term and meet monthly with the CEO and Senior Executive Team. Additional sub-committees focused on policy, community contributions, environmental concerns and more also gives board members an opportunity to delve into areas of their expertise.

Members interested in serving on the board can submit their name each year as part of the VSECU annual meeting process. Qualified candidates are selected by the Nominating Committee for election or members may petition to the Supervisory Committee.

Credit Committee – Members serve a three-year term and review member loans monthly.

Supervisory Committee – Members serve a three-year term and meet quarterly with a responsibility of overseeing the comprehensive annual audits and affairs of the credit union.

2017 Board of Directors

We encourage our members to be engaged and to contact us with concerns, compliments, or issues that we as a board should be considering. We typically meet on the 3rd Wednesday of each month at the Montpelier main branch office, located at One Bailey Avenue, Montpelier, Vermont. Members are welcome to personally attend the meeting during an open forum period that commences at the beginning of each meeting. If you are a member and would like to attend the Member Forum portion of the meeting, please arrive prior to 5:00 pm. You can also contact us by email and we will respond! BoardofDirectors@vsecu.com.

Board of Directors Serving Three-Year Terms

Kimberly B. Cheney, Chairman – Serving 2002 to 2020
A little about Kimberly: After about four years in the U.S. Navy Kim became a lawyer. He has worked as Washington County State’s attorney, the Vermont Attorney General, Chair of Vermont Labor Relations Board, Chair of the Advisory Commission to U.S. Civil Right Commission, Member of the Montpelier School Board, and Chairman Montpelier Planning Commission as well as practicing law while working on several legislative reform projects.

What Kimberly says about serving on the board: “When I was elected to the VSECU Board of Directors in 2002 I found there was not only the opportunity but the necessity to learn about a business I knew very little about. It’s challenging to work in an organization that is dedicated to doing what is best for over 50,000 members. Two years ago my colleagues elected me Vice Chairman. Along my journey I have had the opportunity to meet many wonderful people with a wide variety of interests, needs and personalities and the members of VSECU are among the best. VSECU is a great institution and a pleasure to be part of.”

Michael Hogan, Serving 2016 to 2019
A little about Michael: Mike recently retired from the State of Vermont, after 30 years of service. He served the last 17 years of his career as commissioner for the Department of Liquor Control. Mike has been a VSECU member for three decades and has found it easier to shoulder life’s demands with the help of the credit union’s services. Mike and his wife Mary Ellen live in rural Cabot and enjoy raising a few Black Angus cows, and biking and running the back roads of their community. Mike is currently a member of the Cabot Select Board and has served in various offices in his town. He is an avid reader of history and is active in his church.

What Michael says about serving on the board: “As a newly elected member, I am very pleased to be part of an organization that lets its customers know that they are valued. I hope to use my business experience and skills to grow the VSECU membership.”

Janet Hollner, Treasurer – Serving 2014 to 2018
A little about Janet: Growing up in Central New York, I was always drawn to New England. I vacationed in New England with my family, and as college students in Albany, New York, my friends and I took day trips into Vermont and Massachusetts. The year we married, my husband and I decided to make our home in Vermont. We’ve been here ever since and raised our two children here. I worked for the Enchanted Doll House in Manchester and for the historic E.L. Nichols Department Store in Bennington before going to work in the accounting department of Southwestern Vermont Health Care eighteen years ago. I joined the PMH Credit Union the same year. I was elected to the PMH Credit Union board in 2009 and served as Board Chair from 2011 through the merger with VSECU this year. In my spare time, I enjoy reading, gardening and riding my motorcycle with the Bennington International Motorcycle Club, for which I serve as secretary.

What Janet says about serving on the board: "I have great respect and admiration for VSECU, and I’m very grateful that I’ll have the opportunity to serve on the board. I will be able to represent VSECU’s Bennington area members and bring a southwestern Vermont perspective to the board. I think that my service will help to draw Bennington into the VSECU family.”

Ben Kidder, Serving 2015 to 2019
A little about Ben: Ben recently graduated from the University of New Hampshire, Durham with a B.A. in Economics and History and a Minor in Business Administration. He moved to Montpelier after accepting a job at the Vermont Department of Labor as an economist in the Economic and Labor Market Information Division. He previously worked in a Vermont community bank for seven years, where he grew to appreciate the benefits of local banking. Ben particularly enjoys the skiing, mountain biking, and hiking Vermont has to offer.

What Ben says about serving on the board: “It is a great privilege to be elected onto a board with so many established community members. I intend to help VSECU serve and attract new young members, by offering the perspective of a young person.”

Michelle L. Laperle, Serving 2015 to 2018
A little about Michelle: Michelle and her family recently moved to Graniteville, into a home financed through VSECU. She became a VSECU member over 20 years ago, when she started working for the State of Vermont. Still a state employee, Michelle currently serves as a Low Income Home Energy Assistance Program Administrator. Michelle graduated in the first ever Emerge Vermont class of 2014, which trains Democratic women to be political leaders. She earned an Associate’s degree at CCV while working full-time and raising two children. A strong faith informs Michelle’s commitment to giving back, which is why she participates in the annual Penguin Plunge to raise funds for the Special Olympics as well as the American Cancer Society annual Relay for Life in Montpelier.

What Michelle says about serving on the board: “I have a strong desire to be a part of the opportunities VSECU provides for Vermont businesses and community organizations by helping building a more sustainable Vermont in which my family can grow with pride.”

Norman D. McElvany, Vice Chairman – Serving 2013 to 2019
A little about Norm: Norm McElvany and his wife have lived in Williston for 35 years where they raised their family. Norm teaches Business and Hospitality-Tourism Management at Johnson State College.

What Norm says about serving on the board: “As a newly elected Board member I’m working to ensure that our credit union remains financially strong and member focused."

Heather Neuwirth – Serving 2017 to 2020
A little about Heather: Heather has dedicated her career to driving positive social change through innovative and entrepreneurial education. She is the director of programs at the Middlebury College Center for Creativity, Innovation, and Social Entrepreneurship, where she empowers students to translate their ideas into action by providing them with the tools, relationships, and funding they need to develop projects.

What Heather says about serving on the board: “I’m honored to represent the VSECU membership by serving on the Board in support of the organization’s social mission. One goal of my professional life is to keep young talent in our state and by serving, I hope, to further engage students throughout the state to build awareness of the benefits of living and working in Vermont.”

Judy bod

Judy P. Rosenstreich, Serving 2006 to 2018
A little about Judy: Judy P. Rosenstreich is a former member of the Vermont House of Representatives and White House Fellow. In the nonprofit field Judy held leadership positions in higher education, mental health, and state employee organizations. Judy currently works as senior policy adviser for the Vermont Department of Mental Health.

What Judy says about serving on the board: Coming soon.

Andrew A. Stickney, Serving 2014 to 2020
A little about Andrew: Andrew is the CEO of Burlington Bytes, a full service web design, build, and digital marketing agency in Burlington, VT. Burlington Bytes has worked with over 200 organizations to improve their online presence, websites, and sales through custom builds, SEO, advertising, and social media.

Formerly he served as the Vice President of the Vermont Center for Emerging Technologies, a business incubator and seed venture fund in Burlington. He was honored as a 2013 Rising Star by Vermont Business Magazine and has mentored adolescents through the Boys and Girls Club.

What Andrew says about serving on the board: “Serving on the board of VSECU is a wonderful experience. Not only am I privileged to be surrounded by incredibly talented people as board colleagues, but I also get to support one of the most dedicated and exceptional operational teams (VSECU employees) I’ve ever worked with. It is an honor to be a part of such a substantial organization that is focused on improving the lives of Vermonters.”

Mary Trepanier, Secretary – Serving 2015 to 2018
A little about Mary: Mary is the Mammography Team Leader at Central Vermont Medical Center in Berlin. She graduated from Champlain College in 2002 with an Associate’s degree in Radiography Sciences, and again in 2014 with a Bachelor’s degree in Healthcare Administration; she is now working toward a Master’s Degree. Mary is also the Clinical Coordinator and Instructor for the Radiography program at River Valley Community College. In her spare time, Mary enjoys spending time with her family, motorcycling, reading, and playing the piano/organ, or volunteering as a basketball coach at Rumney Elementary School. Mary has been a member for more than a decade, recently financing a new home with VSECU.

What Mary says about serving on the board: “As a long-term member at VSECU, I have utilized the credit union for a multitude of different loans. My experiences here have always included a personal touch, something you do not typically see anymore. I am excited to serve the members of VSECU and give back to the credit union that has given so much to me and my family.”

Heather Wright – Serving 2017 to 2020
A little about Heather: Heather has years of experience using the cooperative business model to grow and develop organizations. She is a labor law attorney and a managing partner of WrightJones PLC. Heather supports cooperative and socially responsible business development by serving on the Steering Committee for Cooperative Vermont, the Board of Directors for Full Barrel Brewery Cooperative, Vermont Businesses for Social Responsibility’s Public Policy Committee; she teaches strategic human resource management at Marlboro College’s MBA in Sustainability program.

What Heather says about serving on the board: “I am honored to bring my experience growing socially-conscious and member-owned businesses to the members of VSECU and, by extension, the people and communities of Vermont.”

Email: BoardofDirectors@vsecu.com

Supervisory Committee Volunteers

Normand Desrochers, Chair – Serving 1992 to 2020

Joseph Healy – Serving 1996 to 2018

Sarah Miller – Serving 2010 to 2019

Member Resources

Current Balance Sheet
See how how our credit union is progressing with metrics on our investments, assets and more.

Current Annual Report
Our Annual Report focuses on VSECU’s success, both financially and in terms of community impact.

Past Annual Reports
View previous year Annual Reports to see how they compare to our current year performance.

As a member-owned cooperative, we are governed by our Bylaws which must be approved by our members.

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