About Us

Meet Our Management
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Ken Raymie

President & CEO

Ken Raymie

President & CEO

Ken Raymie provides executive oversight to all credit union lines of business and support departments. He brings more than 25 years of experience, previously serving as Executive Vice President/Commercial Banking Manager and Executive Vice President/Chief Revenue Officer at other financial institutions. Ken is a graduate of Leadership San Antonio Class 33, Leadership Lab and in 2005 was named a “40 Under 40” by the San Antonio Business Journal. He sits on the Board of Directors of the North San Antonio Chamber of Commerce, SAMMinistries, The 100 Club of San Antonio and SA Sports.

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Geraldine Breeding

Chief Financial Officer

Geraldine Breeding

Chief Financial Officer

In her role as Chief Financial Officer for Generations, Geraldine Breeding is responsible for establishing institutional financial goals and objectives, enhancing efficiencies, as well as providing guidance and support to the Board of Directors and to the President/CEO on the Credit Union’s financial position and strategic goals and objectives. Geraldine’s experience in banking spans more than 30 years, with 26+ of those at Generations. She also sits on the Board of Directors for the American Red Cross San Antonio Chapter.

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Kim Kieny

Chief Lending Officer

Kim Kieny

Chief Lending Officer

Kim Kieny is responsible for the strategic leadership and direction of Generations’ consumer and mortgage lending programs. She oversees and leads tactics for continued growth, profitability and lending execution. She brings more than 20 years of financial service experience and leadership to the credit union, previously serving as Vice President of Mortgage Lending for direct lending, distributed retail and portfolio retention teams during her career at other financial institutions. Kim sits on the Board of Directors for Big Brothers and Big Sisters of South Texas.

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Letty Gonzales

Vice President of Member Engagement

Letty Gonzales

Vice President of Member Engagement

Letty Gonzales leads all Marketing, Member Engagement, and Employee Engagement efforts, including member experience, community involvement and staff engagement initiatives. She previously held the position of GFCU Commercial Business Development Officer. Her 25 years of experience includes Retail, Private and Commercial Banking. Gonzales is a graduate of Leadership SA Class 45, the SA Hispanic Chamber of Commerce Alexander Briseño Leadership Development Program, and she serves on the Northside ISD Education Improvement Council, the Mayor’s Commission on the Status of Women, and the Boards of San Antonio Hispanic Chamber of Commerce and Boysville, Inc.

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Eve Hernandez

Vice President of Marketing

Eve Hernandez

Vice President of Marketing

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. She serves on the SAY Sí Board of Directors and is an active community volunteer.

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Jessica Hernandez

Vice President of Operations

Jessica Hernandez

Vice President of Operations

As Vice President of Operations, Jessica Hernandez leads the credit union’s operational support teams, which includes the call center, eServices, asset recovery, loan and account servicing, and facilities among others. She is a founding Board member of the Functional Academics, Communication, and Transition (FACT) Institute, Inc., which provides academic and life transition supports for individuals ages 12+ with special abilities. Jessica also serves as President of the Credit Union Executives Society (CUES) Texas Council. She earned a B.A. from the University of Texas at San Antonio. Jessica is a National Association of Federally-Insured Credit Unions (NAFCU) Certified Compliance Officer, NAFCU Certified Enterprise Risk Manager, and Credit Union Enterprise Risk Management Expert.

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Kate Himes

Vice President of Consumer Lending

Kate Himes

Vice President of Consumer Lending

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. Kate has been an active Board member for Any Baby Can of San Antonio since 2014. She is also on the Mission Engagement Committee for Morgan’s Wonderland Inclusion Foundation.

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Angela Howorth

Vice President of Human Resources

Angela Howorth

Vice President of Human Resources

In her role as Vice President of Human Resources, Angela Howorth 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 has been with Generations for more than 25 years, joining the credit union after graduating from the University of Texas at San Antonio with a B.B.A. in Human Resources Management. She is a member of the San Antonio Human Resources Association, the Society for Human Resources Management and sits of the Board of Directors for the D. R. Semmes YMCA.

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Mark Johnston

Vice President of Commercial Services

Mark Johnston

Vice President of Commercial Services

Mark Johnston serves as Vice President of Commercial Services, 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 13 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.

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Danielle Smothers

Vice President of Retail Delivery

Danielle Smothers

Vice President of Retail Delivery

Danielle Smothers leads retail branches, retail training and the branch network of operations for the credit union. She brings more than 16 years of banking experience to Generations, including retail branch market oversight and management. Danielle currently sits on the board of ALPHA HOME and actively works with the San Antonio Food Bank and the Black Women’s Leadership Alliance in San Antonio. She is also in the 2021 class of the North San Antonio Chamber of Commerce’s Leadership Lab.

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Marcel Theriot

Vice President of Finance

Marcel Theriot

Vice President of Finance

Marcel Theriot manages the financial risks of the balance sheet, as well as investments for the credit union. His career experience has focused on investment portfolio management, financial risk analysis and modeling, as well as cash management. Marcel holds a B.B.A in Finance from Texas State University, San Marcos and an M.B.A. from Texas A&M University, College Station. He sits on the Board of Directors for Any Baby Can of San Antonio and participates in many other community volunteer activities.