As President & CEO, Rick oversees all credit union lines of business and support departments. He brings more than 20 years of credit union experience to GFCU, previously serving in roles such as Controller and VP of Accounting and Finance at other financial institutions. He most recently served as Chief Financial Officer and Interim CEO at Generations. Rick sits on the Board of Directors for the Texas YES Project and previously served on the El Paso Giving Day Committee.

Mark Johnston serves as Senior Vice President and Chief Lending Officer, managing the day-to-day operations of the Commercial Services Department, to include business development and loan/credit administration. Prior to joining GFCU, Mark served as Vice President, Relationship Manager at Chase and as Vice President of Corporate Lending at TransPecos Banks. He brings 14 years of experience in commercial lending to the credit union. Mark earned his B.B.A. in Finance from Texas State University and is an active member of their Finance and Economics Advisory Board. He also sits on the board of the Green Spaces Alliance of South Texas and is a graduate of Leadership San Antonio Class 46.

Senior Vice President of Member Experience Wendy Albers oversees alignment of member service and satisfaction, closing the loop between member feedback and process improvement throughout the organization. With more than 30 years of banking and credit union experience, Wendy’s expertise includes enterprise policy framework, retail sales and service, and change management. She sits on the board of the Metro SA Chamber, and serves as Social Media Chair for Financial Women in Texas.

In her role as VP of Risk Management, Erica Garza oversees the Risk Management and Records Management divisions of the Credit Union. She also serves as the company’s BSA Officer, Security Officer, Information Security Officer, Supervisory Committee liaison and fraud prevention advocate. Erica brings more than 15 years of financial institution experience to her role. She is a certified compliance officer with the National Association of Federally Insured Credit Unions (NAFCU) and a Bank Secrecy Act Certified Specialist (BSACS). Erica earned a B.A. from Texas A&M University San Antonio and is an active community volunteer with #GFCUCares. She also sits on the board of Ma Hila’s Heart.

Letty Gonzales leads all Marketing, Member Engagement, and Employee Engagement efforts, including community involvement and staff engagement initiatives. She previously held the position of GFCU Commercial Business Development Officer. Her 29 years of experience includes Retail, Lending, Private and Commercial Banking. Gonzales is a graduate of Leadership SA Class 44 and the SA Hispanic Chamber of Commerce Alexander Briseño Leadership Development Program. She serves on the Board of Directors for the San Antonio Hispanic Chamber of Commerce, the 100 Club of San Antonio, SAISD Foundation, Ohana Smiles and San Antonio Sports.

Eve Hernandez leads all marketing and corporate communication efforts at the credit union, overseeing traditional and digital advertising, marketing campaigns, brand awareness and member communications. Throughout her career, she has worked in marketing, public relations and fundraising with nonprofit, for-profit and public service organizations. Eve holds a B.S. in Radio TV Film from the University of Texas at Austin.

Kate Himes serves as Vice President of Consumer Lending, leading all efforts within direct consumer lending, underwriting and the lending call center. She brings executive leadership with more than 25 years of experience in collections, loan servicing and lending.

Brent Mora serves as Vice President of Mortgage Lending, overseeing all Credit Union home loan products, strategy and production. He has worked in direct consumer mortgages for more than 11 years at other financial institutions, bringing experience in sales, training, production, process improvement, regulation, and compliance. Brent holds a B.A. in History from the University of Texas – San Antonio, an M.A. in Education and Leadership from Wayland Baptist University, and he currently sits on the Board of Directors of Communities in Schools of San Antonio.

Samantha Olivarez is responsible for all aspects of company-wide infrastructure systems, information systems, and software applications from design to implementation and evaluation. She also oversees IT support for the credit union. Olivarez has been with Generations since 2012, previously holding the positions of AVP of IT Operations, IT Operations Manager, Systems Analyst and Computer Operator. She holds a B.B.A. in Computer Information Systems and an M.B.A. in Cyber Security and Information Assurance from Texas A&M University – San Antonio. Olivarez is a graduate of the Metro SA Chamber Leadership Lab and serves as Secretary on the Executive Board of Youth Code Jam.

In her role as Vice President of Human Resources, Marissa Scheffler is responsible for the strategic direction of the credit union’s recruitment and retention, compensation and benefits, employee relations, performance management and company culture. She joined the Generations Human Resources Team in 2006 as an intern and went on to hold the roles of Human Resources Generalist, Payroll & Benefits Coordinator, Human Resources Manager, and most recently, AVP of Human Resources. Marissa holds a B.B.A. in Human Resources from the University of Texas at San Antonio. She sits on the Boards of the UTSA Alumni Association and the San Antonio Business Group on Health, where she also serves on the Executive Committees for both organizations. Marissa is a graduate of the Metro SA Chamber Leadership Lab and is certified in PHR and SHRM-CP. 

Danielle Smothers leads retail branches, retail training and the branch network of operations for the credit union. She brings more than 18 years of banking experience to Generations, including retail branch market oversight and management. Danielle serves as board co-chair for Girls on the Run Bexar County. She is a graduate of Metro SA Chamber Leadership Lab, and works closely with the Black Women’s Leadership Alliance in San Antonio.