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

Valerie Beaudin
Senior Vice President Lending Officer

Gregory Huysman
Director of Business Lending and Services

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.

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.

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 at BoardofDirectors@vsecu.com. This address is monitored by our executive administrator, who will deliver your communication to the appropriate board member(s).

Board of Directors Serving Three-Year Terms

Michael Hogan — Vice Chair, Serving 2016 to 2025
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: “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.”

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Janet Hollner, Treasurer — Serving 2014 to 2025
A little about Janet: Janet has served as a member of the VSECU Board of Directors since 2014. Before that, she served for several years as Board Chair for PMH Credit Union in Bennington, through the process of finding a merger partner and accomplishing the merger with VSECU. She brings a strong financial background to her service on the Board, having worked almost 22 years in the Finance Department of Southwestern Vermont Health Care before taking on a new role in 2018 as Director of Finance for Battenkill Valley Health Center, a Federally Qualified Health Center, in Arlington, VT. Janet appreciates the opportunity to represent VSECU members who live in southwestern Vermont.

What Janet says about serving on the Board: "I believe that belonging to a not for profit, member-owned financial cooperative where members, not stockholders, reap the benefits makes good sense. I appreciate the fact that VSECU stands out as a credit union that supports environmental and social initiatives, as well as economic development. I admire VSECU’s values and have been honored to be a part of charting its course. "

James Larsen — Serving 2020 to 2023
A little about James: James provides consulting services to local businesses and individuals, and served as the Director of Finance for two central Vermont clean technology manufacturing companies. James earned his MBA from the Simon School at the University of Rochester.

What James says about serving on the Board: “As a VSECU member for 19 years, I’ve had the opportunity to see it evolve into a state credit union that’s growing and providing services to more and more Vermonters every year. VSECU’s mission of and focus on real assets is the right one: keeping them local. VSECU is associated with the Global Alliance for Banking on Values, so it’s the best of local service and global standards. I am proud to bring my experience in financial analysis, compliance issues, accountability, and social and business responsibility to the VSECU Board of Directors.”

Julie Lineberger — Serving 2021 to 2025
A little about Julie: Julie Lineberger leads both Wheel Pad L3C, and LineSync Architecture LTD, in southern Vermont. Her focus is on social responsibility at all levels, gaining B Corp certification for her businesses. She presents and consults on various aspects of business management regularly. Julie’s previous career in International Development included managing and/or participating in projects for the United Nations Development Program, the International Rescue Committee, and the United Nations High Commissioner for Refugees throughout the world. Hailing originally from California, Julie is bilingual (Spanish), and holds a Bachelor of Communications & Sociology from University of California, San Diego, and a Master of Education from Harvard University.

What Julie says about serving on the Board: “Serving on the VSECU Board is a way to give back, serve Vermont, and learn how the financial sector can better assist people with little equity make their own gains. VSECU members are a unique community and I’m excited to be supporting the credit union move forward.”

Stephanie Meunier — Serving 2021 to 2024
A little about Stephanie: Stephanie Meunier is a business operations and human resource professional with broad leadership experience in private and public organizations. She is currently the Human Resources Director with Generac Power Systems’ Chore business group, including DR Power locations in Vermont and Mean Green Mowers locations in Ohio. She serves as part of the leadership team to provide Human Resource strategy execution, including talent development, succession management, performance management, employee communications, and employee relations. She leads with careful due diligence and passion to foster financial, social, and physical wellness to prosper at all points in life. Stephanie holds a Bachelor of Science in Business Administration from the University of Vermont. Stephanie lives in Essex with her husband and has two sons. She enjoys being outside and is a runner and fitness enthusiast. She values a good sense of humor and communication as essential for all life relationships, as was instilled in her from an early age.

What Stephanie says about serving on the Board: “I am passionate about building relationships and sharing knowledge. I believe this aligns well to the value-based principals VSECU operates on to deliver service, not only to members, but also communities. It is a privilege to serve on the VSECU Board and be part of helping to navigate a continued path forward with ongoing positive outcomes in our Vermont communities for all residents.”

Owen Milne — Serving 2021 to 2024
A little about Owen: Owen Milne is the executive director of the Lake Champlain Community Sailing Center. In this role, Owen oversees the strategic board leadership, fundraising, community outreach, innovation, and infrastructure development of the organization. He has served on over ten different nonprofit boards and government commissions since 2008, and brings a wealth of experience in board governance, financial oversight, community investment, and public/private partnerships. He is the recipient of the Rising Star Award from Vermont Business Magazine in 2011, was given the Governor’s Award for Employment of People with Disabilities in 2012, and received the Peter Clavelle Award for community service in 2019. Owen holds a BA in business and an MBA from Champlain College.

What Owen says about serving on the Board: “I joined VSECU in 2005 when I personally experienced how the staff here are working for long-term relationships with members rather than quick profit on a loan. I’ve been a member ever since and do all my banking with VSECU. This is the perfect example of the power and potential of leveraging banking as a tool for common good. Success for credit unions should be about creating and sustaining an organizational culture that looks at the world through a lens that yearns to maximize positive social impact.”

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Spencer Newman — Chair, Serving 2018 to 2024
A little about Spencer: Spencer Newman is president of Green Mountain Insight, a financial and strategic planning firm that helps mission-focused Vermont businesses grow and prosper in their communities. Several of Spencer’s clients have transformed from start-up businesses to employing hundreds of people, providing stable jobs and good wages for their employees. Spencer also serves on Governor Scott’s Strategic Planning Team and was chair of the Burlington Electric Board for five years, during which time the city became 100% powered by renewable energy. Spencer has an MBA from the Kellogg School of Management and a BA from Tufts University. He lives in Burlington with his wife and two teenage children, and enjoys skiing, hiking, and cooking and generally living in Vermont.

What Spencer says about serving on the Board: “It’s an honor to represent the members of VSECU. l feel passionately that the credit union can play a crucial role in supporting its members through innovative financial programs and educational offerings, and improving the lives of Vermonters and Vermont businesses throughout the state."

Heather Neuwirth Lovejoy — Secretary, Serving 2017 to 2023
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.”

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Colin Owyang — Secretary, Serving 2022 to 2025
A little about Colin: Colin Owyang is currently Senior Vice President and Chief Operating Officer at Vermont Electric Power Company (VELCO). Colin has spent his career in government, energy, and sustainability as a lawyer focused on strategy and governance. Colin has clerked for three federal judges, served as a federal and state prosecutor, worked as general counsel for two utilities and one sustainability company, and has served on boards of a number of corporate and non-profit organizations. Colin is currently vice chair of the Board of Trustees at Champlain College and serves as a member of the restorative justice panel in Shelburne. Colin earned his J.D. from the University of Michigan Law School, his Bachelor of Arts from Yale College, and his Master of Arts from Yale University.

What Colin says about serving on the Board: “VSECU’s history and cooperative principles align with my personal beliefs and professional background. I am grateful to serve VSECU’s members in their mission of members helping members and making Vermont more inclusive, equitable, and cooperative.”

George Sales — Serving 2020 to 2023
A little about George: George Sales is a small-business and managing owner of Pica-pica Filipino Cuisine in St. Johnsbury. He is a certified Project Management Professional (PMP) whose clients and work experiences include the University of Massachusetts Medical School, ACCD-State of Vermont, M&T Bank, Department of Homeland Security, FEMA, and the World Bank. He holds a Master of International Management (MIM) from Thunderbird School of Global Management, an MBA from Case Western Reserve University, and a BA from George Mason University.

What George says about serving on the Board: “It is an honor and responsibility to serve as your Board member. My involvement with credit unions dates back more than 25 years, so I can justifiably state that credit unions such as VSECU enable individuals and communities to prosper and grow. I am prepared to draw upon my personal and professional experiences as an immigrant, an entrepreneur, an educator, a family man, and now as a Vermonter. I am committed to ensuring that best practices are always considered, and people always come first when looking at the way VSECU is run. Only then can we build the foundation that will promote and sustain financial, environmental, and social prosperity.”

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Carrie Simmons — Serving 2021 to 2024
A little about Carrie: Carrie is a leader, strategist, and creative problem-solver with expertise in values-driven, integrated brand, and marketing approaches. She is the executive director of the Stowe Area Association (SAA), serving approximately 300 business members by promoting the Stowe brand through effective public relations, social media strategies, as well as operating a visitor information center and central reservations service for 30+ hotels and inns. Prior to SAA, Carrie was the owner and creative director of New Ground Creative, a creative firm that built brands through engaging design, dynamic campaigns, and authentic messaging. Carrie holds a bachelor’s degree in Graphic Design and Art Management from the University of Wisconsin-Whitewater. Carrie finds inspiration in travel, singing, reading, and time spent outdoors with her family.

What Carrie says about serving on the Board: “I am grateful to contribute my experience, passion, and skills to supporting the future direction of VSECU and fostering the commitment to its members, culture, mission, businesses, economy, and community with heart. I’m passionate about helping people and working with organizations whose mission I embrace.”

Email: BoardofDirectors@vsecu.com. This address is monitored by our executive administrator, who will deliver your communication to the appropriate board member(s).

Supervisory Committee Volunteers

Eugene Wescott, Chair – Serving 2018 to 2024

Christine Moriarty – Serving 2022 to 2025

Renee Sullivan – Serving 2020 to 2023

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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