State Employees’ Credit Union
2014 Report to the Membership
Measuring
the
Report to the
Credit
Union Difference
Membership
Inside
From your Chairman
2
Different from the Start
5
Convenience Counts
6
Going the Extra Mile
8
Pursuing Dreams
10
Beyond the Basics
12
The Numbers Factor
14
SECU Foundation Difference
16
Value of Volunteers
18
2013 – 2014 Board of Directors
20
Audit Committee 21
Advisory Boards
21
From your Chairman
At State Employees’ Credit Union, there is a difference. When compared to financial institutions, the
SECU difference is somewhat similar to the comparison of apples and oranges. While apples and
oranges are both fruits, grow on trees and have nutritional benefits, their differences cannot be seen
until you remove the peeling to reveal what is beneath. The same goes for financial institutions. On
the outside, the branches may look similar, but beyond the doors you may find a very different story.
Who is served and how, what products are offered, benefits realized. As a not-for-profit financial
cooperative, State Employees’ Credit Union is owned by you, the more than 1.9 million members –
North Carolina’s State and Public School employees and families – who expect SECU to not only be
a trusted financial services provider, but to also make a “difference” in your lives. While my Report
of the Chairman outlines some of the broader measures of difference at SECU, the Annual Report
to the Membership highlights more specific differences, featuring stories of how the Credit Union
helped make an important personal difference for your fellow Credit Union member-owners.
High on the scale of improving busy lives is increased convenience – more time – what all of us need most. While many
financial institutions are reducing their options for personal, face-to-face service, SECU continues to fill the gaps in North
Carolina communities with a local branch presence. Offices opened for the first time in Bermuda Run, Carthage and
Locust, and additional branches opened in Durham, Jacksonville and Winston-Salem, totaling 255 locations statewide. Over
1,100 no-surcharge CashPoints® Automated Teller Machines are readily available across the State in your hometowns and
in all 100 North Carolina counties – anywhere you may travel. In addition to the 24-hour ASK SECU Voice Response service,
the Contact Center provides 24-7 access to services. This year SECU chose to expand Contact Center jobs to 33 additional
locations – current SECU branches within North Carolina – increasing efficiency and creating jobs in many rural areas of the
State. Online convenience is also a must and SECU’s Mobile and Member Access online sessions now exceed 13 million
each month. SECU is working to give you time saving benefits, without sacrificing access or service.
In addition to convenience, availability of products and services that make sense for your financial needs is another measure
of the SECU difference. During the past year, the Credit Union continued to look for potential money-saving opportunities for
you, and specifically reached out to members whose mortgage or auto loans could realize substantial savings via an SECU
refinance. As a result, many of you are now saving hundreds of dollars in monthly payments, which will result in thousands
saved over the life of a loan. Another financial need often overlooked by members is life insurance and SECU Life Insurance
Company introduced a beneficial facet to its program this year – the provision of a no-cost $1,000 group term life insurance
policy for every FAT CAT and Zard youth account holder, with the option to purchase $9,000 in additional coverage for
an annual cost of only $18. Other term and whole life products were also enhanced with more competitive pricing and
simplified processing to provide under-insured members quick access to affordable policies.
2
When your Credit Union is successful in making a financial difference in the lives of members, the subsequent result is overall positive
numbers and growth for the cooperative. In the past year, 77,000 new members joined SECU, assets increased by $1.9 billion,
79,000 auto loans were originated totaling $1.1 billion, the mortgage loan portfolio grew by $1.2 billion and deposits rose by $1.7
billion. SECU’s expense-to-asset ratio also remained low at 1.68%, the same as the previous year and well below credit union peers!
A quality loan portfolio continues to be maintained, along with safe, liquid investment holdings, strong earnings, substantial loan
loss reserves, ample capital and no debt. While the Credit Union consistently measures high with safety and soundness, another
important measure is member satisfaction. 2014’s Membership Survey results indicated 98% of members were satisfied with SECU’s
service quality over the past year and 75% consider the Credit Union to be their primary financial institution, a figure well above the
norm of SECU’s industry peers. SECU also received the top customer advocacy ranking in a recent Forrester Research report titled,
Customer Advocacy 2013: How U.S. Consumers Rate Their Financial Firms. The report indicated 82% of SECU’s members agree with
the statement, “My financial provider does what’s best for me, not just its own bottom line.”
And this, my fellow members, brings us back to what makes SECU so different. When you peel away the layers of our not-forprofit financial cooperative – it is people who make the difference, just like the 3,200+ volunteers among you who provide an
immeasurable difference by representing your voices – conveying your financial needs, wants and concerns. Members of the
Board of Directors, Advisory Boards, Audit Committee, Member Loan Review Committees, and those serving as Secret Shoppers
ensure that SECU continues to serve its mission of making a positive financial difference in your lives. More than 5,000 Credit Union
employees in branches and operations centers statewide also work tirelessly to serve the membership. The Board of Directors joins
me in conveying a special thanks to the staff. During the past year, SECU employees completed nearly 90,000 tax returns through
the Volunteer Income Tax Assistance (VITA) program, processed countless refinance applications to help members secure better
loan rates and are always going the extra mile to improve members’ financial lives. The members of State Employees’ Credit
Union, in turn, also continue to broaden the cooperative’s mission by meeting needs in local North Carolina communities through
the member-funded SECU Foundation. Celebrating ten years of funding high impact projects in the areas of education, housing,
healthcare and human services, SECU Foundation just completed its single largest donation year, providing $15 million to benefit our
State’s citizens through scholarships, hospice services and a new SECU Family House, just to name a few of the many projects! Thank
you for your continued membership, your support over the past year, and the immeasurable difference you make at SECU!
Sincerely,
James D. Johnson
Chairman, Board of Directors
3
4
Different from the Start
Back in 1937, seventeen individuals came together to form a not-for-profit financial cooperative —
State Employees’ Credit Union — a place where members could pool together their resources for
a better opportunity to save and borrow money at fair and affordable rates. Financial options were
few for North Carolina’s State employees and their families, and the idea of a cooperative where
each person would have ownership was quite different, as it provided a tangible benefit and hope
for greater financial stability. Today, more than 1.9 million member-owners have a stake in their
Credit Union, which remains a place that not only affords members the opportunity to improve their
financial lives, but is also a fiscally safe and sound institution experiencing continued growth.
Strong numbers are a reflection of success; however, it is equally important to note that when SECU
was established, it was founded on a “People Helping People” philosophy. People, in fact, provide
the foundational difference between SECU and other financial alternatives, as noted in the Report
of the Chairman. More specific differences, however, are outlined in your fellow members’ stories,
featured in the pages of this year’s Annual Report to the Membership.
5
Convenience Counts
To effectively serve all members, it’s important to be conveniently accessible through personal
and electronic service options. With a presence in all 100 North Carolina counties, SECU has
255 branches for local face-to-face service, 33 Contact Centers manned 24-7 by SECU staff to
assist via phone, fax or e-mail, and over 1,100 no-surcharge CashPoints® ATMs positioned close to
home and along roads all across the State. The SECU website, www.ncsecu.org, provides secure
Member Access and Mobile Access for those with web-enabled devices, providing Credit Union
convenience in the palm of a hand.
Today’s busy lifestyle finds many members relying more on SECU’s electronic services, including
Smithfield resident, KaShauna Brooks. When recently evaluating her budget, she realized balances
on some of her high-interest credit cards were not decreasing as quickly as expected, even
though she was making substantial monthly payments. Hoping to pay off the cards and secure
savings, she reached out to her Credit Union through an online inquiry and personal loan request.
Expecting a simple yes or no message, Ms. Brooks was surprised to find an SECU Financial Services
Officer (FSO) responded with much more. She was offered the option to increase her low-interest
SECU Visa® credit card limit to repay the non-SECU high-interest cards, saving her $1,966 in interest
and allowing her to pay off the debt a year sooner. The FSO went a step further, providing Ms.
Brooks with mortgage and vehicle refinance information that eventually translated into even more
savings!
6
“SECU was quick to
respond to my online
credit card payoff inquiry,
helping me successfully
resolve that issue. It could
have ended there, but
the FSO went on to inform
me of all the services
SECU could assist with
and how much I could be
saving. After weighing the
options, she also helped
me refinance my car and
home online. Not only am
I spending less in interest,
I’m now saving hundreds
of dollars monthly. The
member service was
excellent and online
convenience was key for
me because of my work
schedule!”
KaShauna Brooks
7
Going the Extra Mile
As a trusted financial services provider, it’s important for SECU to view all member inquiries,
including simple requests, with a “big picture” mentality to ensure the member’s financial needs
are truly being met. It is part of the Credit Union difference, where going the extra mile is the
standard, not the exception.
SECU recently went the extra mile for member Olga Salgado, who visited her local Hendersonville
branch to make a simple request. She mentioned to a Financial Services Representative that she
needed to provide copies of her account statements to a local car dealership as a condition of
loan pre-approval and to test drive any vehicles. Asked if she had considered SECU for vehicle
financing, Ms. Salgado responded she was concerned that her negative credit history would
keep her from getting a loan with the Credit Union, but when she found a car, would welcome the
opportunity to speak with a lending officer. Upon finding her desired car, Ms. Salgado returned
to SECU where the FSO assisting with Salgado’s loan application made a discovery. The car
dealership finance quote revealed that Ms. Salgado had been offered a $10,000 7-year loan with
an interest rate exceeding 30%, resulting in a payment of nearly $500 per month and more than
$18,000 in interest payments over the life of the loan. Knowing this was not in Ms. Salgado’s best
interest, the FSO was able to pre-approve her for a higher loan amount to shop for a car. When
Ms. Salgado returned a few days later with a bill of sale from the same dealership who claimed
they had found her a “great deal,” the FSO learned the dealership marked up the vehicle 145% of
the NADA value.
Recognizing that the dealership was attempting to take advantage of Ms. Salgado financially, the
Hendersonville branch referred her to a more reputable local dealership. She took the advice,
found the perfect vehicle and returned to the branch excited to close the loan. In the end, the
Credit Union helped Ms. Salgado lower her monthly payment to under $300, shorten her loan term
by 2 years, reduce her interest rate to less than 5% and purchase more car for her money!
8
“I am very happy SECU
helped me finance my
vehicle. Others gave
me a hard time, but my
Credit Union approved
me right away, treated
me wonderfully and
helped me get a good
deal. The branch
employees not only
helped me save a lot
of money and get a
better deal on my car,
they made me feel
appreciated for doing
business with SECU. I am
so thankful I came to the
Credit Union, as it was
the right place for me.”
Olga Salgado
9
Pursuing Dreams
Helping families strengthen their financial future often paves the way for members to achieve goals
and realize dreams. Savings rendered from a loan consolidation or refinance often helps make
a college education attainable, homeownership achievable, or in the case of Paula and Eric
Hollifield, the dream of fostering and adoption possible.
Shortly after becoming members of SECU in 2013, the Hollifields inquired about a vehicle loan
refinance. Pleased that the Credit Union helped save them approximately $100 per month
by refinancing their car loan, the couple returned later to discuss the possibility of a mortgage
refinance. Their mortgage situation was more complex — a first mortgage and a second
balloon payment mortgage with two different lenders. Unfortunately, their credit had also been
negatively affected when Mr. Hollifield’s income was temporarily reduced when he was out of
work for shoulder surgery. An FSO at SECU’s Weaverville branch knew the Hollifield’s situation looked
challenging on paper, but looking beyond those numbers, saw that the Credit Union could help
make a substantial difference for this couple. After making some phone calls, the FSO completed
additional research and helped the Hollifields with a mortgage refinance, eliminating their balloon
payment and saving them $460 per month! The Hollifields were elated and knew the savings
would help them realize their dream of fostering and adopting a child. Coincidentally, while Mrs.
Hollifield had a desire to give up her job in order to pursue a foster child option, to the couple’s
surprise, the monthly savings equaled her income and afforded them that opportunity!
10
“Joining SECU in 2013 was a great
financial decision and we now
have all of our accounts at the
Credit Union. Refinancing both
our auto and mortgage loans cut
our expenses by more than $500.
Foster care has a special place in
our hearts and we recently felt led
back to reestablishing our license.
The refinancing was crucial to our
situation, providing the extra savings
to help us prepare for this journey.
We were quite nervous about losing
an income to pursue our dream, and
were amazed to find that what we
saved was the exact amount of the
lost salary! SECU has certainly helped
us toward our goal of fostering and
adopting!”
Paula and Eric Hollifield
11
Beyond the Basics
When people hear the term financial services, what typically comes to mind for most is basic
savings, checking and loan accounts. However, a successful financial strategy encompasses
much more, and the Credit Union is fully prepared to help members develop a comprehensive
plan through a variety of Financial Advisory Services, including insurance, tax preparation,
investments and estate planning.
Part of planning is preparing for the unexpected, and two key elements to help protect members
and their loved ones in such circumstances are estate planning and life insurance. When SECU
members Celia and John Ponder heard about the Credit Union offering estate planning services,
they did not have wills in place. Wanting more information, they met with a Trust Representative
at the Credit Union and during that meeting also discussed the possibility of purchasing additional
life insurance to adequately meet the needs of their family of four, including two young children.
The Ponders walked away with a strong financial plan for their future, not realizing how critical those
decisions would soon be for their family. Three months later, Mr. Ponder died suddenly of a heart
attack. Shortly thereafter, Ms. Ponder went for a cardiovascular check-up and was diagnosed with
a life-threatening heart condition that would require surgery. These two devastating circumstances
could have been even more negatively impacted without the recently acquired will and
additional life insurance to aid with out-of-pocket medical and burial expenses. And, had the life
insurance not been purchased prior to Ms. Ponder’s diagnosis, her medical condition would have
dramatically reduced her options to even obtain coverage.
Trust Services offered through MEMBERS® Trust Company, a federal thrift regulated by the Office of the Comptroller of the Currency. Trust
products are not credit union deposits, are not insured by the NCUA or any other federal government agency, are not obligations of or
guaranteed by the credit union, MEMBERS® Trust Company or any affiliated entity, and involve investment risks, including the possible loss
of principal.
SECU insurance representatives are licensed to sell insurance in North Carolina only.
12
“Estate planning through
the Credit Union was easy
and thorough, and helped
us realize the insurance we
purchased ten years earlier
would not be sufficient in the
event something happened
to one of us. We were able
to complete our wills and
medical power of attorney
documents and better plan
for the future by increasing
our life insurance. I would
never have expected how
that planning would affect
us only three months later.
The decisions we made
during the estate planning
process helped to ensure the
financial stability of our family
despite our devastating loss
and incurred medical bills.”
Celia Ponder
13
The Numbers Factor
Numbers are important for any financial institution, but for a not-for-profit cooperative like State
Employees’ Credit Union, strong numbers translate into better products and services and greater
opportunities to benefit members. After all, the financial success of members equals success for
the organization. Thanks to the support of more than 1.9 million member-owners, SECU maintained
financial stability and growth in fiscal year 2014. Assets, loans, deposits and capital experienced
continued growth, and loan delinquencies and losses remained low. A quality loan portfolio is in
place, along with safe, liquid investment holdings, strong earnings, substantial loan loss reserves,
ample capital and no debt.
Safety and soundness are key for the cooperative, but another important measure is member
satisfaction. Results of SECU’s 2014 Membership Survey revealed 98% of members were satisfied
with their Credit Union’s quality of service this past year, and 75% consider SECU as their primary
financial institution – a figure that is well above industry peers. State Employees’ Credit Union also
received the top consumer advocacy ranking in a recent Forrester Research report, Customer
Advocacy 2013: How U.S. Consumers Rate Their Financial Firms, indicating 82% of SECU members
agree their “financial provider does what’s best for me, not just its own bottom line.” There really is
no greater measure of success than members’ acknowledgement of the Credit Union difference,
recognition that SECU is ready to help them face financial challenges and achieve greater
financial stability for themselves and their families.
14
Growth in Membership
In Millions
5-year Asset Growth
In Billions
1.91
28.6
1.61
21.04
Fiscal Year
Fiscal Year
State Employees’ Credit Union
Consolidated Statements of Income & Undivided Earnings
Years Ended June 30, 2014 and 2013
Interest Income
2014
$
2013
740,230,295
$702,019,016
Interest Expense
(252,407,461)
(219,971,092)
Net Interest Income
487,822,834
482,047,924
Fee Income
211,764,730
171,082,611
Operating Expense
(473,875,776)
(469,302,542)
Provision for Loan Losses
(20,032,500)
(55,000,000)
Net Income
205,679,288
128,827,993
Transfers to Reserves
(205,000,000)
(129,000,000)
Assets
Beginning of Year
600,624
$
1,279,912
772,631
$
600,624
2014
2013
Cash, Investments
$ 12,018,170,821
$ 11,916,108,921
Loans to Members
15,572,072,403
13,839,037,716
47,179,127
46,158,681
Property & Equipment
650,492,843
604,422,430
Deposit for Insurance of Accounts
233,384,513
220,112,046
Other Assets
124,054,982
121,399,566
Total Assets
$ 28,645,354,689
$ 26,747,239,360
$ 2,755,832,477
$ 2,679,952,595
23,694,620,925
22,066,416,010
Accrued Interest Payable
14,414,634
11,633,245
Other Liabilities
36,189,982
59,074,914
2,144,296,671
1,930,162,596
$ 28,645,354,689
$ 26,747,239,360
Accrued Interest Receivable
Liabilities & Reserves
Checking Accounts
Share Accounts
Undivided Earnings
End of Year
State Employees’ Credit Union
Consolidated Balance Sheets
June 30, 2014 and 2013
Reserves/Undivided Earnings
Total Liabilities & Reserves
15
SECU Foundation Difference
Chartered in 2004, SECU Foundation makes a measurable difference for North Carolina citizens
with high impact projects in the areas of education, housing, healthcare and human services.
Through the deferment of their monthly $1 checking account maintenance fee, Credit Union
members are indeed having a profound effect, providing millions of dollars annually to help fund
worthwhile projects all across the State. During the past ten years, Foundation projects such as
scholarships, hospice houses, numerous teacher housing initiatives and a cancer center, just to
name a few, have been far-reaching, making a profound impact on the lives of many North
Carolinians.
In late 2013, SECU member and Newport resident Joe Lynch had no idea that a Foundation
project he helped fund would soon provide a great source of support and comfort for him and
his wife Linda, a long-term Alzheimer’s patient. At the onset of her disease, Mr. Lynch was able to
care for his wife at home, but later needed the additional services of a care facility located in New
Bern, N.C. As her disease progressed, she eventually needed acute care, which wasn’t provided in
New Bern. Unsure where to turn, Mr. Lynch inquired with hospital staff about local hospice services.
What a relief it was to find those services available in his hometown at SECU Crystal Coast Hospice
House, a place that had just opened a few months earlier!
Similarly, SECU member Karen Baggott and her husband Jerry also felt the benefit of SECU Crystal
Coast Hospice House not long after it opened. Her husband had been diagnosed several years
earlier with a brain tumor. After a hard fought battle, the disease eventually affected his mobility
and he ultimately required hospice services. As a Credit Union member and local Morehead City
resident, Mrs. Baggott was aware that a new hospice care facility had opened in the area and was
thankful her husband would have needed services close to home.
16
“I cannot emphasize enough what great care my wife received
while she was at SECU Crystal Coast Hospice House. This place
was a real blessing to us and I had no idea it was the only
hospice facility serving a five county area. I was fortunate I lived
close by and could visit daily. Places like this are truly needed
and I’m glad SECU members are helping to make a difference.
Being member-owned, the Credit Union is like a family, and
I believe hospice initiatives are an ideal outreach for SECU
Foundation because hospice is also very family-oriented.”
Joe Lynch
Pictured with his and his wife’s butterfly collection, which Mr. Lynch
donated to SECU Crystal Coast Hospice House in her memory.
“We moved in and it became our ‘home away from
home.’ He was made very comfortable and we
received a lot of good information and care right
from the start. They allowed me to be a partner
in his care and valued my opinion and decision to
make a change if I felt one was needed, making
it an optimum situation. I think it’s fantastic that
through the Foundation, SECU members supported
Crystal Coast Hospice House and played a critical
role in bringing hospice services to Newport.”
Karen Baggott
17
Value of Volunteers
As a not-for-profit cooperative owned by its members, State Employees’ Credit Union is very
different from other financial institutions. The purpose, the philosophy, the services are all memberfocused, and SECU’s 3,200+ volunteers ensure that focus stays on target. The Credit Union Board
of Directors, Advisory Boards, Audit Committee, Member Loan Review Committees and Secret
Shoppers are member-owners who serve without compensation to represent and provide a clear
voice for their fellow members. While it is difficult to measure the value volunteers hold at the
Credit Union, priceless might sum it up best!
“As a member, I measure the Credit Union against other financial
institutions. SECU is there to help members, while other financial
institutions appear to see customers as a way to make money. I enjoy
volunteering for an organization that has its members’ best interests
at heart, looks for solutions to challenges we face and values what
we have to say about the products and services offered.”
Stephanie Jenkins, Zebulon Advisory Board
18
Zebulon Advisory Board
19
2013 – 2014 Board of Directors
20
Jim Johnson
Chairman
Jo Anne Sanford
Secretary/Treasurer
Bob Brinson
Tom King
Cynthia Jolly
Vice Chairman
Jim Barber
Karan Bunn
Bob Parker
Shirley Bell
David King
McKinley Wooten, Jr.
Audit
Committee
Bob Brinson, Chairman
Shirley Bell
Mark Foster
Tom King
Sam Newman
Bob Parker
McKinley Wooten, Jr.
Advisory Boards
Ahoskie
Apex
Albemarle
Archdale
Teikeshia Archer
Georgia Copeland
Dennis Deloatch
Linda Futrell
Kathryn Genao
Reuben Gunnells
Lorraine Holloman*
Lydia McKeel
Betty Pugh
Sharon Roehl
Byron Simonds
Stan Warren
Kelly Caudle*
Michael Crump
Tony Cunningham
Marty Dickens*
Jazmin Aviles Garcia*
Susan Harward*
Jon–Michael Haymond*
Ben Misenheimer
Lauren Patterson
Mika Rogers
Clent Stevens*
Sharean Williams
Suellen Beaulieu*
Kathy Block
Stephen Brink
Gary Cartwright
George Cooper
Randy Cotten
Russell Duncan, Jr.
Allen Ellzey
Cindy Loftin
William Long*
Johnsie Robinson
Pamela Taylor
Kathy Allen
Roy Allen
Jane Black
Carol Cable
Judy Garner*
Doug Monroe
Stephen Myers
Kaye Spencer
Kim Summers
Tammie Swaim
Rhonda Winters
Misty Wolfe
Arden
Norman Black III
Mark Corbin
Betty Garner
Robert Grayson
Craig Harris
Leslie Hawes
Mary Hipps
Lewis Lightner
Dan McCormick*
James Miles, Jr.
Richard Setliff
Karen Sumner
Tracy Warren
Asheboro
Timothy Allgood
Rod Hackney
Tasha Hall
Susan Hayes
Cathy Hefferin
Robin Jones
Devon McKinnon
Dana Nance
John Reid
Brian Saunders
Barbara Dunn Swanson
Marty Trotter*
*Member Loan Review Committee
21
Asheville–
Biltmore Village
Ray Bailey
George Briggs
David Galloway
Max Haner
Harvey Haynes*
Olson Huff
Eric Hutzler
Nick Lanier
Larry Liggett*
Linda McDaniel
Stephen Noblitt
Mary Parker
Wilma Sherrill
Susanne Swanger
Sharon West
David Wyatt*
Asheville–
Long Shoals
Carolyn Baldwin*
John Barbour
Jan Blunt*
Linda Bradley
Kevin Brandon*
Neil Denman
Sheila Gibbs
William Hallman*
Marty Haney
Allen Johnson
Richard Mauney
Kathy Noyes
Arbie Rhodes
22
Asheville–
Oak Plaza
Robert Christy
James Coman
Stephanie Cyrus
Kevan Frazier
Cynthia Lopez
Diana Love
Skye Myrick*
Marcia Perry
Kenneth Putnam
Nancy Reid
Amanda Stone
Kenneth Wilson
Asheville–
Smokey Park Hwy.
Eugene Edmonds
Jo Fischbach
Ronald Harwood
Harold Laflin
Marsha Lipe
Diane McEntire
Kathryn McIntyre
Rebecca Nunnaley
Max Queen*
Karin Rogers
Edwin Spivey III
James Williamson
Asheville–UNCA
Brett Carey
Kelvin Cyrus
Richard Davis
Richard Duncan
Samuel Kaplan-Gershon
Dan Lunsford
Larry McCallum
Aubrey Ray
Rita Reece
April Suttles
Jay Swain
Dorland Winkler
Barco
Kevin Carver
Cathy Casey
David Collins
Margarette Etheridge
Patrick Forbis
Kenneth Grimes
Willie Long III
Eddie Morgan
Christopher Newbern
Allison Sholar
Jessica Tice*
Peggy Whitlow
Beaufort
John Arthur
Carol Bullock
David Clifton
Bryan Conway*
Corbett Davis IV
Ilse Englehardt
Perry Harker
Anthony Nelson
Michael Nelson*
Teresa Parker*
Tommy Rhue
William Vick
Belmont
Angela Bishop
David Ferguson, Jr.
Mark Flemming
Jacqueline Rickman Frey
Marty Jones
Leigh Nance
Jessie Peterson
Billy Ray Putnam
Jeremy Railton
Greg Springs*
Suzanne Wallace*
Eric Wise
Benson
Frances Blackmon
Patrick Burgess
Dwight Braswell
Dewitt Hardee
Sharon Jackson
Horace Johnson
Judy Lucas
Wyoma Moses
Rodney Peterson
Michael Rivenbark
Evelyn Sanders
Art Watkins
Bermuda Run
Black Mountain
Gladys Brooks
Sharon Fender
Melissa Frizsell
Patty Higgins
Debbie Hughes
Michelle Lowery
Carrie Lynch
Archie Pertiller, Jr.*
Al Richardson
Mary Robertson
Greg Shuler
Bob Washel
Susan Watkins
Boiling Springs
Diane Brooks
Al Dunkleman
Nancy Freeman
Tommy Greene
Amy Jones
Joe Lamb
Tony Luckadoo
Paula Parker
Sandy Quattlebaum
Dixie Shields
Wesley Smith
Gary Spangler
A.J. Farmer
Maureen Gildein
Alicia Holman
Larry Hungerford
Karen Landry
Judy McDowell
Tammy Naylor
Kenneth Peacock
Brooke Preslar
Lee Rollins
Deborah Vogler
Phillip Wogatzke
*Member Loan Review Committee
Boone–
Blowing Rock Rd.
James Atkinson
Loretta Clawson
Michael Coston
Dino DiBernardi*
Frank Gioscio
Antony Gray
Gail Hawkinson
James Hayes*
Christy Parker
Jane Rex
James Rodkey
Jesse Taylor*
Susanne Winebarger
Boone–
New Market
Cheryl Brown
Daniel Bryan
Vaughn Christan
Alan Felker
Ly Marze*
Edith Mubanda
Tung Ong
Richard Parrott
Jane Pennell
Tom Shoun
Azalee Simandle
Kandy Taylor
Brevard
Burlington
Bryson City
Burnsville
Eric Caldwell
Sue Fox
Carson Griffin
Dawson Hogsed
Delores Hogsed
Steve Letterman
Lisa Osteen
John Ray
Donna Robinson
Betty Scruggs
Steve Smith
Mark Whitlock
Diann Ball
Mitchell Carson*
Karen Cook
Brian Cookston
Kimberly Lay
Carole Maennle*
Diane Shuler*
Tony Sutton
Linda White
Roger Wiggins
Leonard Winchester
Jonathan Woodard
Burgaw
Melissa Barnhill
Amanda Bosworth
Betsy Chesnutt
Lisa Fields
James Fouche, Jr.
Patricia Henry-Smith
Shannon Humphrey
Connie Odom
Karen Pridgen
Daniel Wells
Lizzie Alston*
Kent Byrd
Daniel Camp III
Billy Clayton II
George Crawford
Meredith Edwards
James Faucette, Jr.
Travis Handy
Christopher Isley
Barry Kizziah
Martin Nadelman
Allyson Rogers
Sherry Bartlett*
Norma Chrisawn
Sandra Crisp
Heather Dale
Chris Deyton*
Paul Feldman
Samuel Grinestaff
Gwendolyn Harris
Lynne Hensley
Wanda Renfro
Revonda Robinson
Joyce Watts
Carrboro
Butner
Ed Beal*
William Bethea
Harold Boyd
Winston Brooks
Dan Callaghan*
Buck Dawkins
Josephine Edwards
Larry Kelly
Danny Roberts
Tim Sasser
Leslie Sewell
Herb Spencer
Kenneth Thomas
Robert Thornton
Pauletta Williams*
Camden
Pernell Bartlett*
Julie Blizzard
Monique Chamblee
Hermione Cousette
David Griffin
Kevin Jones
Rachel Joyner
Elizabeth Sawyer
Samuel Shaw III
Steve Sutton
David Swinney
Amy Twiddy
Carol Cantrell
Kathy Cheek
Ellen Culler
Raymond DuBose*
James Ellis
Matthew Fearrington
Rhonda Hairston
Daniel Lehman
Linda Mansmann
Sarelli Rossi
Frederick Stipe
Park Willis IV
Carthage
Lester Bailey
John Benton
Charles Craven
Tina Edmonds
Amy Garner
Stephen Greer
Joye Kelly
Matthew Kitchen
Jason Love
Marisol Rivera
William Scott
Tyrone Vample
Cary–
Chapel Hill Rd.
Sarah Barnhill
Christopher Brewer
Curry Darlington
Rochelle Guilford
Thomas Hollmann
Dale Johnson*
Norman Kelly, Jr.
Paul Macon
David Miller*
Elise Pierce
Pat Thomas
*Member Loan Review Committee
23
Cary–Walnut St.
Edward Adams
Patricia Andrews
Deborah Beckwith
Kurt Glendenning
William Grant
Ann Hooker*
Janet Johnson
Crystal Taylor Kent
Stan Latta
Wayne Loots
Marvin Pittman
Thomas Terry, Jr.
Chapel Hill–
Elliott Rd.
Allen Baddour, Jr.
Jaslin Davis
Paul Hudy
Letisha Judd
Hope Kilgo
James Lea
Deshera Mack
Jonathan Pruitt
Dulcie Straughan
Hunter Wagstaff
Robert Ward*
Michael Wilkinson
Chapel Hill–
Hamilton Rd.
Donald Boulton
John Brunner
B.A. Byerly
Winston Crisp
Kathryn Kelly DeBlasio*
Ishna Hall
William Hennessee
Nikkia Sheppard Lynch
Beth Miller
Brenda Mitchell
Sam Paul
Marty Pomerantz
24
Chapel Hill–North
Chatham Park
Lee Bowman
Ann Broadway
Janet Edwards
Marjorie Fowler
Julie Hennis
Carla Karstaedt
Steve Maynor
Karen Renee McCain
Susan McKenney
Larry Owen
Mary Donna Pond
Tim White
Chapel Hill–
Pittsboro St.
John Badgett
Jacob Bonenberger*
Sherretta Carter*
Nancy Farmer
Richard Hatfield
Alan Hoyle
Barron Matherly
Anne Marie Meyer
Elizabeth Snipes
Robert Thorpe
Ross White
Robert Womble
Charlotte–Airport
Center Pkwy.
Charlotte–
Ardrey Kell
Charlotte–
Providence Rd.
Charlotte–
Albemarle Rd.
Charlotte–
Mountain Island
Lake
Charlotte–
Steele Creek
Sandra Bookman
Geraldine Brown
Betty Cooper
Kenneth Fisher, Jr.
Karen George
Lewis Jefferies
Suzanne Kerns
William Moore, Jr.
Melanee Smith
Marcia Strickland
Mershon Viscusie
Philo Walker
Sherry Washington
Jo Boyd
Lawrence Brandon
Ellen Flamer
Amanda Hudson
Andrea Johnson
Karen Lee
Samuel Leggett
Erica Nicholson
Steve Pate
Randy Roberts
David Scott
Phil Ward
Emma Barnes
Philip Briggs
Jamie Brooks
Timothy Burke
Melanie Gaylor
Mary Jansen
Heidi Kramer
Mark Loflin
Troy Moore
Kathryn Trotter
Gregory Whitaker
James Williams
Melissa Chisholm
Thomas Collins
Renea Crumbley
Carolice Graham
Hannah Orders
Ernest Riley
William Simons
Ashley Springs
Julie Williams
Latoya Wright
Charlotte–Park Rd.
Diane Adams
Ellen Estes
Robert Fieldings
Ray Graham*
Catherine Holton
Ineal Knowlton, Jr.
Diana Mibelli
Beverly Newsome
Susan Oleson-Briggs
Joe Pate
Maryann Stoner
Suzanne Thompson
Leah Barnette
Kathy Brown
Phillip Brown
Patricia Buggs
Carmen Casey
Dena Herlick
Leon Matthews
Connie Mims
Ed Morales
Kimberly Odom
Brian Spaulding
William Wade
William Anderson IV
Cameron Carpenter
Marcia Conston
Robert Folk
Carl Hough, Jr.
Lindsay Jones
Georgia Jacquez Lewis
William McMillan, Jr.
Elizabeth Mercer
Cheryl Pappas
Bryan Setzer
Dennis Williams
*Member Loan Review Committee
Charlotte–Third St.
Lavonne Bell
Oscar Bidgood*
Charlie Fuller
Michael Green
Thomas Griffin*
Georgia Gulledge*
Brenda Leonard
Justin Parmenter
Pamela Petry
Keith Ratliff
Marie Rogers*
Connie Shotts*
Lindsay Werden
Kimberly White
Susan Zach
Charlotte–
University City Blvd.
Nicole Barrow*
Michael Campbell
Thomas Haskell
Tracy Hux
Janet Jobes*
Crystal Jones
Julie Keith-Le
Lee Leland*
Jason Marmon*
Ronald Pharr
Susan Stirewalt
Angela Ericson Tyler
Charlotte–
Wendover Rd.
Dawn Conoly
Claudia Cox
Linda Dewberry
Ellese Hart
Jacqueline Hubbard
Arjun Kapur
Calvin Lewers
James McQuiston II
Jackie Menser
Denise Morris
J.C. Porter
Jan Weinberger
Clayton
Robert Barber
Linda Culpepper
Allan DeLaine
Michelle Denning
Stephanie Denton
Clinton Eaves
James Elmore
Drew Harbinson
Stacey Houser
Gail Lazio
Richard Royall
James Stoke
Gerald Toler*
Clemmons
Jeanette Braswell*
Paulette Caudle
James Coghill
Connie Guraleczka
Jerry Hardesty
Stanley Morgan*
Matthew Murray, Jr.
Ken Nail
Richard Pegg
Annette Squire
Brian Thomas
Cindy Zimmerman
Cleveland
Community
Tammy Boling
Brandon Capps
Wade Corbett
Jayne Eannarino
Jason Free
Capricia Johnson
Donald Moses
Teresa Tart
Shannon Utley
Winston Watson*
John Wensley
Shannon Wilmot
Clinton
Dixie Bass
Frederick Bogue
Christine Brewington
Robert Butler, Jr.
LaFayette Hall
Jennifer Rouse Hill
David Kidd
Becky Lockamy
George Pinyatello, Jr.
Deborah Denise Rackley
James Simmons
Ginger Stone
Columbia
Melanie Armstrong*
Robert Armstrong
Robin Dunbar
Michael Dunsmore
Elizabeth Furlough
Amanda Hall-Fleming
Douglas Maready
Chris Moore
Irene Pledger
James Schreckengost*
Angie Sexton
Columbus
Chauncey Barber
Ann Carswell
Palma Davis
Lionel Gilbert, Jr.
Aaron Greene*
Benson Lawter
Laura Lynch
Cheryl Modlin
James Patterson
James Smith
Patrick Staggs
Cynthia Strickland*
Concord–Concord
Pkwy. South
Ashley BumgardnerDickerson*
Debby Butler
Sue Cunningham
Gayle Gowin*
Gleen Hinson, Jr.
Sabrina McManus
Wade Nesbit
LeVerne Spears
Marilyn Stark
Robert Ward
James Williams
Larry Woods
Concord–
Poplar Tent Rd.
Christine Barrier
Tim Beam
Thomas Clark
John Cyrus
Frances Gallimore
Bethany Heydt
Vance Horton, Jr.
Kelly Kluttz
Jim Lyerly
Debby Melton
Kelly Propst
Sue Widenhouse
Cornelius
Willie Emmons
Tracy Dixon
Carrie Gibson
Kristi Harden
Ruby Houston
Ashley Kelly
Gloria Miller
Thomas Sarver
Joanna Smith
Angela Stroud
Barbara Ann Temple
Cullowhee
Laurin Baker
Gladys Bishop
Heidi Buchanan
Carol Burton
Lindsay Heim
Adam Holt
Jeff Hughes
Steve Lillard
Kim Poteet
Virginia Proffit
Richard Queen
Denny Wood
*Member Loan Review Committee
25
Denver
Samantha Campbell
Patrick Clancy
Eric Frasure
Celeste Frazier
Denise Hayes
Christopher Kolasinski
Wendy Krupowicz
Jessica Luckey
Michael Peacock
Raymond Pierce III
Sharolyn Rankin
Helmut Renner
Dobson
James Atkins
Graham Atkinson
Rebecca Brendle
Bryan Cave
Yolanda Diaz
Michael Lineback
George Sappenfield
James Shore
Rusty Slate
Jan Varney*
Tim Watson
Renee Westmoreland
Dunn
Susan Byerly*
Cynthia Hieb*
Guy Hill*
James Kennedy
Chalet Lanpher
Patricia Maynor
George Neighbors
Alice Price
Toby Sumner
Dave Taylor, Jr.
Lynn Tew
Kandi Tudor
26
Durham–Ben
Franklin Blvd.
Durham–
Guess Rd.
Durham–Duke St.
Durham–
Hwy. 98 East
Spencer Baldwin
Fred Biddy
Claude Bogues
Kenneth Brown, Jr.
Roland Buchanan
Ollie Burrell
Larry Green
Alice Hagaman*
Lula Monds
Marvin Ockletree
William Payne*
Suzanne Smith
Carl Tart
JuJu Atkinson
Kenneth Barnes
Brenda Harris
Gail Hudson
E. Victor Maafo
Harvey McMurray*
Thomas Murphy
Eunice Sanders
Burnette Smith*
Alan Teasley
Albert Wilson
Tyson Wrenn, Jr.
Amy Autry
Cynthia Cason
Raymond Evans
Cy Gurney*
Chadlee Hall
Lois Hefley
Irving Joyner
James Key II
Carl Parker
Gail Perry
James Polk
J.W. Troxler, Jr.
Sylvia Bittle
Andrea Carroll
Beverly Daniel
Evelyn Deck
Cindy Dixon
Kay Hurst
Juanita Davis Jones
Jason Jowers
Bradley Kirby
Gwendolyn Price
Karen Price Shankle
Dwight Womble*
Durham–
Lowe’s Grove
Rodney Cunningham
Philip Davanzo III
Alex Faison
Cheryl Geiger
Dianne Herbin
Emanuel McGirt
Randy Miller*
Rochelle Newton-Brown
Shawn Smith
Ava Thompson
Eden
Terry Aiken
Ben Chase
Mindy Harmon
Diane Hyler
Barbara Martin*
Shandolyn Martin
Ruth Mitchell
Janet O’Dell
Trina Pillar
John Ratliff
Reid Strader
Donna Walker
Edenton
Lenita Campen
Ralph Cole
Glorious Elliott*
Tommy Everett
Tom Griffin*
John Guard
Melvin Horton
Lynn Hurdle–Winslow
Michelle Maddox
Vickie Miller
Errick Morris
Katy Shook
Elizabeth City–
17 North
Terrance Boyce
Sharon Brown
Thomas Campbell
Janet Cooke
Amy Fyffe
Martha Goodman
Kathy Holthoff
James Hurdle, Jr.
Mike Petruncio
Melvin Reid
Sharon Warden*
Elizabeth City–
Halstead Blvd.
Anthony Brown
Kelvin Brown*
Travis Burke
Elwood Copeland
Margery Coulson–Clark
Linda Davis
Joyce Harris
Pedro Holley
Gary Littleton
Tony Perry
Ernest Stallings
Darrell Walker
Elizabethtown
Sharon Anderson
William Blanks
Judy Bowen
Sandra Kelly Cain
John Creech
James Daly
Marva Dinkins
Timothy Frush
John Guions
Ricky Johnson
David Simmons
Kristen Woodruff
Elkin
Angela Adams
Gambill Aldridge
Cindy Combs
Lisa Ford
Wendy Harris
Bradley Hayes
Joel Hoyle
Chris Lane
Steve Long
Alan Moxley
Beth Noah
Brenda Robbins
*Member Loan Review Committee
Elon
Thomas Bass, Jr.
Rett Davis*
Tommy Day
Paul Francis
Christopher Gaddis
Timothy Grogan
Amy Hargrove
Patricia Key
Brian Leventhal
Brian Long
Frank Shepherd
Phil Thompson
Mark Yancey
Fayetteville–
Executive Place
David Barrett
Sydney Darden
Jack Freeman
Terry Isaacs
Diane Leverette–Maloy
Cecilia McBryde
Baxter Paschal III
Annette Renegar
Adele Upchurch
Kenneth Villareal
Franklin West, Jr.
Fayetteville–
Ramsey St.
Ron Alexander
Sarah Baker
William Capps
Angela Gleaton
Elizabeth Gurney
Charles Koonce
Takeda Legrand
Fred Little III
Suzanne Skene
Angela Smith
Christopher Williams
Fayetteville–
Sycamore
Dairy Rd.
Judy Babb
Debra Burgess
Richard Everett
Helen Farrior*
Nick Ganesan
Cheryl Gore
John Green*
Artis Hill
Joe Mullis*
Tracey Pittman
Richard Rice
Robert Salters
Catherine Van Sickle
Flat Rock
Amber Anderson
Drew Anderson
Royetta Cannon
Jessica Chitwood
Joshua Federman
Stacy Hill
Molly Gates Parkhill
Douglas Pearson
Noland Ramsey
Amy Singletary
Julie Thompson
Forest City
Marnie Beaver
Michael Benfield
Crystal Bridges
Michael Callahan
Dianne Clayton*
Brian Gilreath*
Casey Hill
Wayne Litaker*
Melissa Lyles
Greg Padgett
Eric Shelton
Thomas Teague
Hannah Thompson
Franklin
Pam Bell
Tolly Bowles*
Pam Cabe
Patricia Cabe
Edward Knickerbocker
Joan Maki
Leah McCall
Charles Moody
Sherry Pangle
Rena Sutton
William Vanhook
Dale West
Fuquay–Varina
John Bridgers
Karen Brown
Reba Burleson
Ann Busick
Tricia Carson–Myers
Audrey Garrett
Walter Garrett
Denis Jackson
Rodney Jenkins
Jeannette Moss
Warren Powell*
Katie Taylor
Garner–
Benson Rd.
Gastonia–
Union Rd.
Max Eatman
Amanda Gravely
Michael Harrell
Charles Helms*
Connie Liles
Chris Morton
Radish Persaud
Fred Raab
Terry Stroud
Marshall Tucker
David Wehbie
Carolyn Jones Williams
Larry Wood
Tonia Broome
Lawrence Brown, Jr.
Thomas Dellinger
Alison Forney
Reid Goodman
Daniel Grissom*
Sandy Holland
William Mauney
Haywood Miller, Jr.
Heather Murphy
Gary Orr*
Jennifer Taylor
Garner–Vandora
Springs Rd.
Sam Armstead
Keli Boone
Duncan Dillard
Patricia Felton
Lola Rountree
Yvonne Taylor
Susan Ward
Michael Warren
Diana Wiggins
Nell Wiggins
Billy Winn*
Connie Wolfrey
David Broome
Rudy Hines
Oris Jones
Ed Maness*
Brenda Parks
Ted Raab
Mason Sawyer
Georgia Smith-Marsalis
Randall Speer
Kathryn Taylor
Danele Williams*
Sharon Wood
Gastonia–Cox Rd.
Gatesville
Goldsboro–North
Berkeley Blvd.
Gregory Batts*
Chris Brantley
Ken Cooke
Adam Fowler
Ron Hill
Janice Jones
Tammy Keel
Earl Moore
Peggy Tate
David Thomas
Luther Thompson
Melba Uzzell
Lisa Byerly
Mozelle Cathcart
Kelsie Costner
Mark Emory
David Grimes
Myers Hambright, Jr.
Allen Lewis, Jr.*
Eric Otis
William Richard
Sharon Riggan
Roger Whitley
*Member Loan Review Committee
27
Goldsboro–Wayne
Memorial Dr.
Julian Baker
Debbie Durham
Patsy Faison
Lisa Gunn
Reva Jenkins
Allen Johnson
Milas Kelly, Jr.
Stephanie Rose
Grover Smith, Jr.
Conrad Wessell III
Derrick Wootson
Shiril Worrell
Goldsboro–
West Ash St.
Andrea Britt
Eddie Brogden
Frank Brown*
Leroy Bunn
Don Edwards
Frank Farrell
Annette Fullen
John Miller
Pamela Minshew
Chris Pendergraph
Steve Taylor
Granite Falls
Camille Annas
Trilla Annas
Eric Boston
Myron Davis*
Daniel Lawson
Robin Ledford
Karlene Masters
Gwyn Roop
Dennis Seagle
Bryan Speagle
Peggy Throneburg
Richard Tucker
28
Grantsboro
Teresa Badger
Kenneth Bell
Michele Bessette
Vicki Courtney
Wanda Dawson
Larry Gracie
Mary Gurley
Cristy Lynn Lewis
Dorothy Parker
Michael Quinn
Jamie Wayne
Carol Heath West
Greensboro–
Battleground Ave.
Nick Aceves
Jim Albright
Betty Anne Chandler*
Haywood Clement
Valeria Edwards
Cindy Norris
Susan Phillips
Michelle Posley
Denise Richmond
Barbara Sloan
Jill Walsh
Greensboro–
High Point Rd.
Walter Batista
Jerolyn Brown
Pam Cash
William Graves
Jacqueline Greenlee
Jeanna Hawkins
Howard Hicks
Jean Jackson
Marva Pittman
Mary Swantek
Jeanie Schepisi
Greensboro–
Holden Rd.
Mel Doggett
W.F. Geter
Mark Lacey
Dionne Layne
Carolyn Moore
Glasher Shealey
Frances Smallwood
Carlton Sturdivant
Frederick Webb
Greensboro–
Muirs Chapel Rd.
Ivan Alston
Jimmy Barnes
Allan Clemons
Lane Dehaven
Manuel Dudley
Dan Fisher
Nina Johnson
Vernon Johnson
Timothy Johnston
Salena Kindrick
Zona Ridout
Darrell Walker
Greensboro–
Murrow Blvd.
Edward Baker
William Barlow
Deborah Blackwell
Rodney Boone
Terry Clarida
Queenie Dalcoe
Yvonne Foster
Bob Gantt
Henry Moon III*
Sam Moseley*
Angela Peterson
Dilip Shah
James Sibert*
Robert Wineburg
Greensboro–
New Garden Rd.
Greensboro–South
Elm/Eugene
Greensboro–
Pisgah Church Rd.
Greensboro–
Stoney Creek
Chi Anyansi–Archibong
Bobbie Brown
Charles Burns
Ettie Collins
Stephen Friddle
Jim George
Donald Kelsey
Randy Phillips
Judy Shelton
Russell Terry
Margie Thompson
Theresa Von Hagen
Pamela Cash
Brian Clarida*
Dwayne Deloatch
Max Gerald
Andre Hill
Kathleen Kariher
Vicky Lunsford
Edward Melvin
Sharon Ozment
Stephen Parker
Kelly White*
Ronald Willis*
Kennen Wynn
James Battle, Jr.
Sandra Brown
Kathy Elliott
William Hudgens
Shirley Jones
Michael Kelly
Chad Landen
Shawyn Newton
Tony Smitherman
Henry Strader, Jr.
Haywood Stukes
Lisa Warren
Joseph Brady
Andy Gann
Tammy Hardin
Michele Levy
Bernadette Mayfield–Clarke
Michael Russell
Kandis Sauls
Helen Sockwell
John Teeters
Judy Twine
Anitra Walker
Greensboro–
West Market St.
Rachelle Barnes
Mazie Bullard*
Lem Cox
Elmer Galloway
Barry Hartis*
John Hunsinger, Jr.
Susan Inscoe
Angela Montgomery
Larry Morse
Byron Robinson*
Lee Woodruff
Terry Worrell
*Member Loan Review Committee
Greenville–
Charles Blvd.
Tope Adeyemi–Bello
Haresh Advani
Phil Asby
Glenda Carawan
James Decker
Virginia Gaynor*
Donald Lee*
Debra McGowan*
John McNeill
Gregory Miller
Georgia Potter
Leonard Reaves
Gloria Snead
Greenville–First St.
Daniel Bishop*
Tricia Briley
Jeffrey Cabaniss
Savannah Grigg
Mack Hinnant, Jr.
Jeffrey Holoman
Harold Jones
Vickie Joyner
Leonard Lilley, Jr.
Carol Minor
Linda Nelson
Sam Uzzell
Theodore Whitley
Greenville–
Medical Park
Sonny Barr
Anthony Bartholomew
Dempsey Bond
Earl Brown, Jr.
Roger Carpenter
Tommy Corbett
Sharon Edwards
Suzanne Lea
Charles Lehmann
Mabel Perry
Catherine Spruill
Buck Waddell*
Robert Yow
Harrisburg
Cheryl Almond
Michael Brock
Hazel Gill*
Robert Gwaltney
Brian Hamilton
Kenneth Honeycutt
Kathleen Jones
Royce Lumpkin
Albert Mills
Honore Missihoun
Phyllis Phifer
Monica Troutman
Hayesville
Paul Calascione
A.J. Gordon
Tommy Hollingsworth
Kenneth Manwaring
Deborah Mauney
Janice Patterson
Charles Penland
Anisa Roberts
Clint Rogers
David Setzer
David Slagle
Terry Woody
Henderson
Carrie Alexander
Warren Bridges
Rebecca Fleming
Evelyn Hall
David Harrison
James Kearney
Tericia Parrish
Ernestine Peace
Kecia Perkinson
Eric Pierce
Tracy Twisdale
Geraldine Winston
Hendersonville
Lee Bradley
Sherri Brewer
Bonny Cloud
Amelia Cox
Pamela Justus
Melanie Love
Peggy Marshall
Anthony McMinn
Bill Parker
Brenda McMurray Ray
Jason Sama
Joshua Santiago
Donald Shoemaker
Charles Snead
Michael Wagner
Hickory–
16th Street NE
Erin Gatton
Tommie Graybeal
Greg Hayes
May Khang
Gerald Killian
Claudia McLean
David McMillian
Patricia Middleton
Julius Phillips
Dyanne Sherrill
Jeff Taylor*
Mary West
Hickory–Fairgrove
Church Rd.
Melanie Elrod
Bo Glenn
Coy Hudson*
Nichole Ijames
Jimmy Ikard, Jr.
Kathy Isenhour
Glenn Roseman*
Arthur Scott
Judy Sherrill
Everette Simmons
James Sprinkle
Richard Thompson
Sondra Wolfe
Hickory–
Mountain View
Andy Cline
David Cook*
Joseph Goforth
Renee Hughes
Larry Johnson*
Kathy Keane
Sean Lineberger
Jeanne Michael
Polly Pearson
Matthew Rosenbalm
Julia Stallings
David Warlick
Anna Martha Young
High Point–
Penny Rd.
Philip Barham
Alexis Barneycastle
Mary Borum
Phil Carey
Denise Clark
Al Clement
Jamie Forbis
Pamela Hunter
Anne Keith
Craig Michie*
Wes Scott
Rae Marie Smith
Hertford
Robert Banks
Johnathan Beardsley
James Bunch
Judith Copeland
Rebecca Corprew
Judie King
Mike Lawrence
Fondella Leigh
Patricia Mansfield
Celeste Maus
Cary Pittman
Cynthia Stallings*
*Member Loan Review Committee
29
High Point–
Westchester Dr.
William Alston
John Cable*
Sandra Dunn
Edmundson Effort*
Haidy Gomez
William Guy
Lisa Koretoff
James May
Teresa Murphy
Jacqueline Pettiford
Dwight Story
Jorge Valdes
Hillsborough–
Churton Grove
Mark Banks
Jane Clapp
Patricia Crabtree
Myra Erexson
Larry Faucette
Carol Kozel
Mary Mason
Nathan Mitchell
Nicole Phillips
Robert Sharpe, Jr.
Brenda Stephens
Yvonne Wahlers
Hillsborough–
Old Hwy. 86
Katherine Cathey
Nancy Coston
Melody Dees
Michael Gilbert
Scott Hackler
Thomas Konsler, Jr.
Hazel Lunsford
Victoria Mattison
Scott Neal
Anne Purcell
Deborah Taylor*
Tony White
Holly Springs
Furman Beckwith, Jr.*
Edward Burt
Thomas Busshart
Ansel Glendenning
Samuel Greene
Priscilla Maynor
Chris Nielsen
Jessie Price
Troy Smith
John Staley
Laviece Ward
Hope Mills
Wayne Bone
Gary Faulkner
McKinley Hall
Lee Jernigan*
Rachel Ann McBroom*
Sharon McNeill
Christopher Pearce
Amy Porter
Keith Walters
Shirlean Westbrook
Karen Williams
Christy Williamson
30
Huntersville
Martha Aquisto
Melissa Brunson
Mary Coppola
Gina Ewart
Catherine Keistler
Tammy Loukos
Allan Mackie
Carl Posey, Jr.
Christina Saladino
Jason Thompson
Sandra Worthey
Indian Trail
Annette Ayala
Randy Braswell
William Breckenridge
Amy Currie
Britt Hadley*
Lisa Kawyn
Terry Lindley
Jarrod McCraw
Tara Richardson
Eric Skeen
Joyce Washington
Kenneth Willis*
Jackson
Tare Davis
Lucy Edwards
Sheila Evans
Mary Harrell–Sessoms*
Michael Johnson
Alfred Kwasikpui
Linda White Moody
Mary Pope
Barbara Stephenson
Carol Turner
Percy Underdue
Iris Williams
Jacksonville–
Hwy. 17
Frank Couch
Myra Crawford
Timothy Foster
Barbara Hassell
Jeff Huffman
James Kelley
John Rand
Jeremy Ringham
Denna Smith
Michael Whaley
Jacksonville–
Western Blvd.
Vikki Childress
Charlene Dail
Roy Dudley
Joyce Harpe
Loretta Keelin*
Angela Lee*
Bailey Marshburn
Michael McKagan*
Christopher Schulte
Jeff Smith
James Zepeda
Kannapolis
William Crabtree
Henry King, Jr.
Wilson King*
Natasha Lipscomb*
Carolyn Mays
Julia Patterson*
Danny Payne
Ben Rose
Gregory Russell
Ramona Stanback
Cory Stirewalt
Robert Szakal
Kenansville
Paul Britt, Jr.
Ed Emory
Thomas Fife
Kenneth Jones
Marjorie Kornegay
Cameron Lee
Linda Murphy
Jimmie Newkirk
James Parsons
George Price
Lauren Bryan Raynor
Carolyn Smith
Kernersville–
Hwy. 66
Travis Broughton
Tresca Byrd
Heriberto Fernandez
Fentress Gerald
Aaron Griffith
Cynthia Hatch
Susie Hook
Rita McPhatter
Elizabeth Noell
Lonnie Rice
Ryoichi Sakano
James Smith
Nikita Wallace
*Member Loan Review Committee
Kernersville–
South Main St.
Willie Bell, Jr.
Cheryle Belo
Deborah Blanton–Warren
Tiffany Burgess
Lester Burns, Jr.
Carol Donn
Sharon Duncan
Stephen Ivey
James Parris
Willie Richardson
Maureen Rickards
Mary Woody
King
Kinston–Airport Rd.
Gene Benson
Ellen Brantley
Palmer Dixon
Glenn Elmore
Deborah Grimes
Steve Hill
Delba Johnson
Beverly Lafone
John Rouse, Jr.
Jennifer Stroud
Will Thaxton
Rainelle Williams
Kinston–
Vernon Ave.
Tommy Branch
Joshua Church
Ernie Copenhaver
Mitchell Haunn
Thomas Langan
Todd Martin
Jerry Millsaps
Hunter Nelson
Carolyn Newsom
Steven Shelton
Craig Sizemore
Pat Tuttle
Ritchie Applewhite
Jimmie Ford*
William Hill
Jeanne Kennedy
Anthony King
Roger Lee*
Bobby Price
Daryl Raynor*
Gil Respess
Michael Turner
Patricia Williams
Ray Wooten
Kings Mountain
Knightdale
Eveline Brice
Alison Clark
Michelle Ford
Charles Groves
Linda Hardin
Brenda Jo Hatfield
Jim Owens
Frank Polk
Buddy Ramey
Edna Roberts
Jason Singalevitch
Chance Witherspoon
Rebecca Barbee
Linda Coleman
Charles Congleton, Jr.
Keith Honeycutt*
Brian Lane
Stephen Morgan
Summer Pittman
Benny Richardson
Herman Sampson III
Gregory Street
Mary Wayne Watson
Shernise Whiting
Laurinburg
Pamela Cooper
Patricia Gates
James Gibson
Travis Harper
Nona Hubbard
Robert Inman
James Laviner
Jonathan McInnis
Rick Singletary
April Snead
Dennis Ward
Mike Webb
Leland
Steven Baldwin
Lee Curry
Daisy Eagles
Teresa Gill
Lorie Heath
Debra Knox
Peggy Mapson
Chad Nimz*
Donald Sellers
Donna Watts
Michelle Williams
Lenoir
Leigh Burnette
Jeffrey Crisp
Anna Crooke
Audrey Harmon
Scott King
Elaine Lockhart
Karla Miller*
Roger Miller
Todd Penley
Myrl Pennington
Susan Strawn
Brian Suddreth
Joan Vaughn
Lexington
Thadford Dickerson, Sr.
Barbara Everhart
Shelly Gentle
David Hiller
James Lusk
Clifton Pickett
Benson Stalvey
Jay Temple
Myra Thompson
Lillington
Terry Abney*
Keith Anderson
Carma Baggett
Ron Ellington
Thomas Frye
Ken Jernigan
Dezretta Johnson
Frank Lewis
Isabel McCormick
Gail McKinney
Joan Page
Willie Surles*
Lincolnton
Patrick Auton
Lisa Earl
Melissa Elmore
Susan Flynn
Teresa Hawley
Larry Helton
Sandra Huneycutt
Scott Loflin
Jackie McSwain
Michael Randleman
Pam Richards
Steve Zickefoose
Louisburg
Toney Alston
Cheryl Benson
Richard Cash, Jr.
Armenta Eaton
Joyce Ann Greene–
McLeod
Alice Hunter
Elizabeth Keith
Gevel Massenburg
Alice Murphy
Nicki Perry
Nancy Shaffer
Jason Snelling
Lumberton–
Fayetteville Rd.
Jeanette Baker*
Nelson Brownlee, Jr.
Jason Bullock
Autumn Evans
Connie Freeman
Danford Groves
Francesca Lattie
Cindy Locklear
Charles Miller, Jr.
Wanda Odom
Ricky Phillips
Warren Purcell*
Bob Scott*
Michelle Shooter
James Smith*
Diane Surgeon
*Member Loan Review Committee
31
Lumberton–
West Fifth St.
Marion
Elliott Brown
Cordelia Chavis
Katrina Davis
Glenda Gerald
Julie Hernandez
John Kaukola, Jr.
George Kenworthy
Faye Lovell
Lori Morrison
Michael Sampson*
Christy Strickland
Merle Summers
Barton Cook
Miriam Early
Doug Gouge
Ramsay Grant
James Hamilton
Elmer Macopson, Jr.
Richard Monosso
Donald Ramsey
John Reese
Rhonda Silver
Wade Tate
Deanie Ray Walker*
Deborah Wilson
Madison
Marshall
Joseph Adams
Althea Hairston
Daniel Horne*
Susan Irving
Jodi Lambert
Deborah Lee
Vincent Marks
Angela Martin
Wendy Martin
Richard Parker III
Janice Tate
Tyler Tucker
Manteo
Alton Ballance
Ray Gray, Jr.
Dana Harris
Lynda Hester*
Amy Hinnant*
Christopher Lee
Chip Phillips
Deborah Sauls
Georgia Sellers
Tim Shearin*
Deon Simmons
Joseph Turner, Jr.
32
Sarah Beasley*
Brandon Bryson
Elaine Edwards
Steven Garrison
Olaf Goddard
Fred Haynie
William Hoffman
James Huff
Maurice Lisenbee
Jamie List
Holly Shook
James Whitt
Matthews
Robert Abbotts
Mark Anderson
Debra Bonaro
Amy Bowen
Randall Carswell
John Cone
Lloyd Funderburk
Evadale Hosaflook
Baker Martin
Robert Shoffner
Taler Whaley
Eleanor Williams
McGee’s Crossroads
Mocksville
Morehead City
Mebane
Monroe
Morganton–
Carbon City Rd.
Swayzine Archible–Smith
Don Dupree
Dwight Green
Forrest Jones
Linda Lassiter
Randy Maness
Peter Mollins
Todd Morgan
Tim Parrish
Robert Purdy
Robert Roegner
Deborah Wilson
Lorri Allison
Esther Bennett
Emily Bivins
Terry Farmer
Sharn Jeffries*
Jeff Kidd
Jane Love
Wanda McIver
Clinton Morrow
Brett Norton
David Pritchard
Kathy Taylor
Mint Hill
Nancy Bartles
Sarah Belk
William Black
Savannah Clay
Thomas Cochrane
Richard Conboy
Sarah Jones
Pamela Medlin
Inder Sharma
Staci Williams
Fred Wrangham
Angela Ziegler
Martha Boger
William Campbell
Willie Grooms
Kevin Hendrix
Pat Hennelly
Anthony Keller
Jackie Keller
Jami Lawhon
Regina London
Candace Poplin
Brent Shoaf
Jason Stewart*
Barry Baucom
Dillon Brantley
Terri Cooper
Mary Brooks Ellis
Jeremy Gilliard
Brian McLamb
Dan Merle*
J.R. Rowell
Dorothy Ruth*
Phillip Tarte
Mary Walls
Roy Young
Mooresville
Lamar Avery
Joan Beatty*
Dede Dunst
Christine Ervin
Debra Fuller
Michael Hilton
Debbi Hourigan
Charles Larusso
Elizabeth MacIntosh
Maria Schutte
Grey Mills
Tracy Pratt–Dixon
Steven Anthony
Jack Askew*
James Collins*
Anthony Florence
Maryann Styron Fore
Harold Gray
Lynn McBride
Jocelyn Montford
Berling Pritchard
Gabriel Raynor
Larry Vallance
Malcolm Vann*
Dave Beck
David Benner
Jon Berry
David Brown
Shirley Dale
Karen Dudeck
Thomas Frost*
George Greene*
Linda Lindsey
Bruce Payne
Karen Rockett
Michael Searcy*
Timothy Turner
Steve Williams
Odell Witherspoon
*Member Loan Review Committee
Morganton–
Enola Rd.
Connie Barnette
Gloria Chambers
Keith Conley*
Helen Keller
Kevin McCloy
Paige Pitts*
Denise Radford
Patsy Simpson
Tony Smith
Barry Stock
Kenneth Vaughn
Verlin Vinson
Mount Airy
Daron Atkins*
Jonathan Bledsoe
Rex Carter
Susan Freeman
Quentin Harris
Sherry Hiatt*
C.W. Hill
Aaron Holt
Gloria Lawrence
Tom Ratledge
Pam Sewell
Vance Tate*
Murfreesboro
Robert Brown
Elaine Evans
Candy Fleetwood
Thelma Greene*
Michael Hinton
Shirley Johnson
Louis Johnson
Monique Mitchell
Avis Murphy
Levar Newsome
Brunet Parker
Kim Shaw
Murphy
John Bandy
Janet Barton
Eleanor Clonts
David Cowan
Michael Jones
Barry McClure
Susan Otwell
Billy Palmer
Rhonda Rhodes
Donna Tipton–Rogers
June Walker
Chris Wood
Nags Head
Melanie Corprew*
Connie Francis*
Russell Lay
Shauna Leggat
Clifton Ogburn, Jr.
John Parker
Ann Pierce
Jeff Ryder
Sharon Sullivan
David Sybert
Arty Tillett
Shirley Ward
Nashville
Jim Boehm
Michael Frazier
Dureatta Gibson
Josie Green
Delma Greene Jefferys
Hope Johnson
William Lindsey
Farley Phillips
Mary Reeves
Rosita Richardson*
Scott Rogers
Charlie Tyson
Terry Whitley
New Bern–
Glenburnie Rd.
Timothy Casey
Nakina Creel
Michele Fisher
John Fonville
Jimmy High
Vernell Johnson
Deborah Joyner
Marvin Mullinix
Thelma Simmons
Joyce Sutton
Miriam Williams
Terri Winfield
New Bern–Hwy. 70
Brenda Avery
Deborah Barmann
Douglas Blount
Deborah Edwards
Mary George
Eva Hall
Thomasine Hassell
Noland Hicks
Ken Mason
Charlene Richards
Diane Tyndall
Richard Venable
Newland
Lisa Daniels
Tom Evaul
Stan Ferguson*
Patricia Gouge
Allan Greer
John Johnson
Teresa King
Michael Richardson
James Roberson
Ruth Shirley
Angelia Stewart
Kenneth Sudderth
North Wilkesboro
Brenda Barber
Jessica Blankenship
David Carson
Martha Franklin
Stephen Gentry
Joanne Gryder
James Huffman
Jamie McCoy
Linda Minton
Loretta Jean Rhodes
Loretta Shumate
Mark Wood
Oak Ridge
Collin Abbitt, Jr.
Ricky Bunch*
William Clifford
Denise Francisco
Haywood Good
Eric Goodykoontz
Joseph Hamilton, Jr.
Majid Hassan*
David Lehman
Wilma Marie Mackay
Carl Pritchett
Harriet Shelton
Old Fort
Gayle Bishop
Stuart Black
Gail Cagle
Chet Effler
Charles Gaffigan
Greg Hughes
Scott Killough
Kim Ledbetter
Suzanne Rampey
James Stevens II
Joseph Swann, Jr.
Wanda Wilson
Oxford
LaVerne Bernard
Cindy Bostic
Beth Cook*
Jillian Davis
Norman Dean
Claudette Dickerson
Michael Dupree
Norris Foster
Dorwin Howard
Ernestine Howard
Louise Inscoe
Fred Knott
Mary McGhee*
Robert Montague
Nathan Rice*
Pembroke
Loretta Allen
Booker Brown, Jr.
Illya Chavis–Lindsay
Sean Graham
Shirley Johnson*
Michael Levinson
Brenda Locklear
Margaret Locklear
Sterling Locklear
Shearlie McBryde
Larry McCallum
Whitney Oxendine
*Member Loan Review Committee
33
Pineville
Paul Brown
Luci Butler
Lori Corpening
Kevin Earp
Ashley Fenton
Carolyn Jacobs
Mary Kotsokalis
Joseph LaFrancis
Pamela Lightsey
Peggy McDonald
Carl Ratliff
Anna Walker
Pittsboro
Mary Barnett
Marilyn Collins
Ted Edwards
Gary Franks
Gaylene Goodwin
Vicky Guetgemann
David Hamm
Shirley Hart
Ramona Leftwich
Megan Lynch
Tony Rogers
Obie Wicker, Jr.
Plymouth
Renee Collier
Samuel Davenport, Jr.
Stacy Jones
Bessie Lewis
Shirley Pelletier
Carol Phelps
Keith Phelps
Lynn Swett*
Jewell Tetterton
Carolyn Thompson
Harry White, Jr.
Frank Winslow
34
Raeford
Peter Buchholtz
Sara Cagle
Kim Chavis
Franklin Crumpler
Mark Gentry
Wanda Ingram
Tim Johnson
Mary Locklear
Tuwanda McNeil
Peggy Owens
Oral Singletary
Brenda Tyndall
Raleigh–801
Hillsborough St.
Maurice Boswell
Linda Bowden
Kathleen Edwards*
Carl Harris
Wanda Parmlee
Caron Register
Pandora Snyder
Richard Suggs
Louise Taff
Edward Terrell
Elaine Turner
Elaine Word
Raleigh–
Blue Ridge Rd.
Larry Bass
Sonya Battle
Steve Betts
Larry Brodie
June Cherry
Beverley Clark
Bobby Duke, Jr.
Carolyn Guthrie
Robert Jones
Keith Linder
Doug Phelps
Cecil Williams
Raleigh–
Capitol Square
Jerry Cashion
Eva Feucht*
Kim Fulcher
Cathy Harris
Cande Honeycutt-Killian
Joyce McFarland
Haywood Poole
David Powell
Michael Shumsky
Norma Stokes
Betty Yancey
Raleigh–
Centennial Pkwy.
Tommy Clark
Gene Curtis*
Georganne Griffin
Connie Levister
Nancy Lloyd
Don McLamb
Willie Parker
Barbara Perkins*
Ruth Steidinger
Philip Westerman
Janice White*
Zelota Williams McDonald
Kelly Zering
Raleigh–
Falls of Neuse Rd.
Raleigh–
Hammond Rd.
Donald Aschbrenner
Zackery Davis
Elizabeth Kurzer
Sharon Lipscomb
Steven Lockhart
Donna Murphy
Melody Roe
Marilyn Suitt
Clementine Trotter
Gloria Upperman
Raleigh–
Hilburn Dr.
Ricky Anderson
Emily Barbour
John Belk
Brian Cadwallader
Virginia Cardenas
Grady Cooper*
Gregory Ford
Charles Guess
Dennis McCarty
Chaska Mendoza
Brian Murray
Scott Womack
Karen Vertreese
Raleigh–
Louisburg Rd.
Brett Bartholomew
Gene Bartholomew*
Mable Bassford
John Dorney
Paulette Eggleston
Paula Fahnestock
George Holland*
Tommy Jeffreys
Joe Johnson
Bob Mooneyham*
Robbie Rogers
Jennifer Stackpole
Cicero Williams
Tara Williams–Brown
Patty Wilson
Raleigh–NCSU
Wayne Buhler
Ricky Bunch
Judy Denice Cooper*
Kathy Hamilton Gore
Ronald Jarrett*
Gregory Lucier
JoAnn McClain
Deborah Ort*
Robert Patterson
Steven Sheppard
Lee Stiff
Billie Thomas
John Bartle
Alex Catenis
Billy Green, Jr.
Nancy Lowe
Jean Murphy
Johnny Shaver
Regina Sheperd
Tracy Turner
Sam Watson
Connie Westbrook
Tonette Williams
*Member Loan Review Committee
Raleigh–
New Bern Ave.
Bonnie Boyette
George Chance
Elaine Dillahunt
Alice Garris Garrett
Claude Gibbs
Markette Hester
Andrew Kash
Linda Milner
Ricky Roberson
Marcella Rorie
Valerie Villines
Tracy Zavarello
Raleigh–
New Hope Rd.
Mildred Christmas
Willis Fowler
Samuel Greene
Nicole Hackler
Kaite Jones
Mary Ann Justice
Martha Long
Robin Nowlin
Nainesh Patel
Jane Schwartz
Tamra Shaw
Luther Thomas
Raleigh–Poole Rd.
Graham Broadwell, Jr.
Helen Dickens*
Olivia Farr
Catherine Grant
Charmaine Leeks
Vonda Kai Martin
Melanie Nguyen
Arthur Petteway
Ebony Pittman
Karen Rose
Shirley Staten
Mary Yarborough
Raleigh–
Salisbury St.
Angela Blinson
Alan Foster
William Hart
Susan Nestor
Tammy Penny
Jane Phillips
Lou Ann Phillips
Lashawn Piquant*
Pat Powell
David Starling
Chakrapani Tademeti
Anthony Wakim
Raleigh–Six Forks
Philip Baddour III
William Barnes
Susan Betancourt
Charles Bilbro
Chris Compton
Tracy Davis*
Deborah Doty
Bryan Dowdy
Thomas Filer
Jerry Imhoff
Suzanne Merrill
Lubin Prevatt
Raleigh–
Stonehenge
Kathy Alman
Bob Brinkley*
Tyrone Byrd
Kelly Cloak
Paula Godfrey*
Andy Hinton*
Barbara O’Neal
Durwood Pegram
Rebecca Soper
Clarence Stephens
Martin Vernon
Diane Walters
Carol Drumm Wood
Raleigh–
Strickland Rd.
Donald Adams
Arnette Alleyne–Tineo
Carl Byrd
Faith Caldwell
Kathryn Ann Cox
Catherine Hairr
Jeffrey King
Tripp Madden
Stanley Moore
Pascal Mubenga
Penny Williams
Raleigh–Triangle
Town Center
Stacy Askew
Dawn Beaster
Thomas Ellis III
Barbara Engram
Kyle Fay
Lakeshia Holley
Patricia Kelly
Jason Kennedy
Cathy Kirk
Jerry Mumford
Emmanuel Omile
Arthur Sharpe*
Loretta Wynder
Raleigh–Wade Ave.
Wesley Alston
Julie Batchelor
Gary Bishop
Lloyd Dunn
Patricia Foster
Neal Holmes
Gilbert Jackson III
Deborah Kauba
Ben McLawhorn*
John Milner*
Lanny Parker
Phyllis Royal
Raleigh–Wakefield
James Carter
Richard Casey
George Davenport
Eric Galamb
Brian Kughn
Elizabeth Lohr
Barbara Long
John Myrick*
Renee Steffel
Joshua Taylor
Wayne Wilkinson
Marjorie Younger
Randleman
Eldora Allen*
Cathy Beeson
Carter Catlett
Diane Hayes
Jennifer Hyatt
Elizabeth Jennings Lyon
William O’Brien, Jr.
Stephanie Soper
Kimberly Thompson
Steve Watson
Joyce Wolford
Wendy Young
Reidsville
Ervin Best
Atticia Bundy*
Robin Burroughs
Martha Carroll
Christopher Freeman
Bill Holcomb
Brenda Joyce
Reid Porter
Donna Prater
Kia Settle
Ann Talley
Joshua Thomas
Roanoke Rapids
Vernon Bryant
Michael Felt*
Brian Jones
Vivian King–Jackson
Tommy McKnight
Jose Moreno
Sharon Peele
Scott Richardson
Dennis Sawyer
Andre Stewart
Sandra Weden
Terence Wyche
*Member Loan Review Committee
35
Robbinsville
Rick Davis
Teresa Garland
Roger Hyatt
Pam Knott
Marshall McClung*
Diania McRae
Glenda Rogers
Bruce Snyder*
Mike Stephens
Mack Tallant
Kevin White
Christopher Wiggins
Rockingham
Mark Covington
Vickie Daniel
Kathy Gainey
Jimmy Hall
Carlotta Knotts
Lonnie McCaskill III
Dale McInnis
George Norris
Hal Shuler
Bruce Stanback
Neal Watkins
Larry Weatherly
Rocky Mount–
Benvenue
Vanessa Alexander
Bradford Batchelor
John Browning
Brenda Hargrove
Lisa Howell
Betty Jones*
Margie McCrimmon
Judy Park
Phillip Shehdan, Jr.
Felton Whitaker
Helen Williams
Fatima Wills
36
Rocky Mount–
Fairview Rd.
Terry Anderson
Bobbie Clark
Samuel Davis
Brenda Dickens
Bettie Jones
Michael Jordan
Kathy Lawson
Milton Leonard
Stanley Morgan, Jr.*
Melonie Pratt
Felicia Taylor
Kay Thomas
Rocky Mount–
Sunset Ave.
Pete Armstrong
William Carver
Laverne Espy
Victor Fenner
Linda Gould
Maryann Kannon
Quintin Mangano
Clifton Morgan
Boyd Shaw
Jimmie Silver*
Gretchen Soden
Myra Thomas
Lloyd Thrower
Rolesville
Ethel Eaton
Elaine Hanzer
Tommy Joyner
Ann Faison Keith
John Morgan
Donald Oglesby
Ronald Shearon
Bryce Toone
Laurie Tucker
Barry Whitaker, Jr.
Johnnie Williams
Roxboro
Deborah Barker
Margaret Bradsher
Pamela Bradsher
Pamelia Hobbs
John Lee, Jr.
Linda Long
Rhonda Nelson-Daye
Randall Reynolds
Christie Rochefort
Debbie Shields
Anthony Talley
Josiah Thomas
RTP
Anita Belk
Craig Cunningham
Esther Dunnegan
Marcus Fuller
Jacqueline Futrell
Jamen Kearney
Vanessa Kelley
Roger Madariaga*
Gregory McKnight
Kurt Neufang
Hugh O’Shields
Susan Thomason
Rutherford
College
Sanford
Jean Buchanan
Albert Eastwood
David Fletcher
Pamela Isbell
Yates Jensen
Tom Keller
Jerry LaMaster
Jamie Norton
Kelly O’Toole
Paul Phillips
Travis Ruff
Sharon Southard
Rutherfordton
Danita Bailey
James Bass III
Jeffrey Buchanan
Janice Cooke
Richard Craft
Brandon Henson
Chad Huffstickler
Rodney Miller
Joshua Padgett
Arthur Smith*
Michelle Templin
Salisbury
Jeff Barger
Bill Bucher, Jr.
Doug Hayes
June Hundley
Donna Lovill
Gene Miller
Delores Morris
Mary Ponds
Aaron Raiti
Lorraine Reidda
Janet Ruffin
Eddie White
David Bailey
Craig Clarke
James Emerson
Janice Everhart
Mike Johnson
Marvin Joyner
Marion Kain
Nilda Rivera
James Roberts
Sylvia Spivey
Sheila Tally
Ronald Wicker
Shallotte
Kristy Bias
Greg Bland
Darrell Cheers*
Reeda Hargrove
David Inman
Velva Jenkins*
John Jones*
Cortni Lemon
Sarah Lesley
Iris McCombs
Anthony Milligan*
Clay Stanley
Felicia Woodard
Shelby
Randy Clark
Lessie Dawkins
Stephen Fisher
Phillip Glover
Alfred Knight, Jr.
Bruce Mack
Bob Page
Deborah Thomas
Lisa Travis
Bonnie Walker
*Member Loan Review Committee
Siler City
Snow Hill
Sparta
Swan Quarter
Tabor City
Donnie Blount
Jeffrey Farrow
Lorenza Farrow
Shirley Farrow
Judy Lawrence
Brandon Marshall
Matthew Mason
Darrell Pugh
Sharon Sadler
Lane Swindell
Edmund Temple*
Robert Wayne
Donald Dowless
Shane Duncan
Nicky Garrell
Debra Hammond
Teresa Harris
Judy Howard
Lynn Lee
John Lewis
Lu Ann Pickell
Dawn Player
Linda Strickland
Donna Ward
Smithfield–
Booker Dairy Rd.
Southern Pines
Spruce Pine
Swansboro
Tarboro
Ashley Beam
Mary Blevins*
Adam Cain
Tracy Deyton
Robert Gault
Shirley Hise
David Hughes
Laura Moore*
Brandon Pittman
Larry Shook
Sandy Vaughn
Shannon Woody
Kathy Barfield*
Janice Bodenhamer
Robert Brink
Adam Carter
Allison Cleve
Samuel Collins, Jr.
Paula Contreras
Claude Crews
Grayson Mull
Bobby Reeves
Christopher Seaberg
Brittany Shipp
Shawna Andrews
Martha Cobb
Ricky Freeman
Shirley Hill
James Knight
Karen Lachapelle
Katherine Lancaster
Marlon Land
John Morgan*
Maria Ortega
Mark Silveri
Marcus Whichard
Statesville
Sylva
Taylorsville
Scott Brewer
Thomas Campbell
Zachary Deaton
Jeff Fields
Sara Lambert
Charlene Martin
Belinda McKoy
Keith Owens
Jerry Polston
Randall Richardson
David Seagroves
Marty Tillman
Jessica Balazsi
Danielle Gordon Haddock
Tami Johnson
Frank Knott*
Hattie Lofton*
Ana Milazzotto
Levi Snead
Kristine Strickland
Smithfield–
Bright Leaf Blvd.
Keith Beamon
Kara Davis
Bill Ellis
Sue Hicks
Clark Johnson*
Georgianna McLean
Joan McLendon
Ronnie Olive
Demetrius Raynor, Jr.
Jim Sumerel*
Haywood Watson
Paul Worley
Jimmy Carraway
Larry Dail
George Harrell
Louie Johnson
Holly Jones Little
Gregory Monroe
Christy Nash
Tammie Noble
Linda Sewall
Nina Paul Vinson
Wade Walston
Teresa Wooten
Scott Absher
Joan Frye
Mary Helms
Charles Massey
Harold Matthews
Roger Reynolds
Debra Ring
Alona Sloan
Heather Willett
Robert Wittman
Southport
Regina Alexander
Benjamin Brooks, Jr.
Carroll Brown
Tracie Burke
Beverly Eury
Marcus Ferguson
Jill Fullwood
George Granger
Daniel O’Neill
Vann Pennell
John Skillman*
James Snakenberg, Jr.
Charles Adams
Pam Andrews
Robert Annas
Johnny Barnette
Denise Bryant
Jane Ebert*
Jeff Fluck
Sammy Foster
Wrenn Kilmartin
Angela Scott
Lillis Ward
Teresa Woodel
Phyllis Bailey
Joseph Boles, Jr.*
Bill Day III
John Fox, Jr.
Eduardo Garcia
Paula Huffman*
Alvera Lesane*
Kimberly Miller
Harvey Pons
Rose Speece
Donald Wall
Melissa Wike
Stephanie Wood
Glenda Gunter Blair
Thomas Brooks
Jacob Buchanan
Frank Burrell
Sarah Davis
Tony Elders
Amber Fox
Pamela Hooper
Robert McMahan
Jennifer Norton
Chuck Wooten
Wiley Ballard
Page Barnes
Scott Bowman
Scott Brown*
Jackie Burgess
Lloyd Coffey
Amanda Goble
Julie Jenkins
Michael Jenkins
Anthony McLain
Renee Meade
Matt Reese
Monica Stafford
*Member Loan Review Committee
37
Thomasville
Wadesboro
Barbara Armstrong
Donald Beck*
Jill Hunt
Jerry Koontz
Heather Lohr
Robert Martin
Ryan McClamrock
Kelsey Musselman
Fonda Norris
Emily Orman
Justin Sink
Susan Terrell
Joyce Cox
Duncan Davis, Jr.
Leon Gatewood
Kenneth Goins
Marcus Hammonds
Anne Trexler Hyatt
Lula Jackson
Rick Jackson
Derek James
Pamela Layfield
Frank Richardson
Mason Thompson
Trenton
Wake Forest
Michael Bracy
Bertha Joann Dove
Sylvia Ervin*
Charles Henderson
Franky Howard
Steven Howard
Zack Koonce III
Margaret Bell Ross*
Otis Smallwood
Erica Stanley
Polly Whitehead
Michael Wilder*
Troy
Molly Alexi
Susan Allen
Pamela Alsobrook
Rochelle Bostic
Richard Britt
Brenda Caudill
Margo Gaddy
Erie Greene
Victoria Ingold
Sharon Jacobs
Anthony Poole
38
David Blackwell
James Cook
Perry Frazier
Pearl Harris
Curtis Harrison
James Henderson
Robert Hill
Elizabeth Lee
Diane Ray
Bradley Richards
Bill Tilley*
James Warren
Warrenton
John Andrews
Delores Ayscue
Harry Carter
Tony Cozart
Mildred Johnson
George Koonce
Tracey Neal
Robert Newell
Ray Spain
Mary Baker Vick
Charles Walton
Hattie Williams
Washington
Weaverville
Whiteville
Waxhaw
Wendell
Wilkesboro
Barbria Bacon
Sid Baynes*
Chuck Bryan
Mary Castleberry
Wanda Forrest
Logan Francisco
Greg Jones
Stan Lewis
Peggy MacDaid
Emily Mooney
Sally Phipps
William Simmons
Donna Bumgarner
Jerry Church
Geoffrey Farmer
Tim Foster
Reggie Kyle
Elaine Martin
Carrie Miller
Angela Rhodes
Gary Roath
Frank Shuford
Carolyn Triplett
Alan Whittington
West Jefferson
Williamston
Larry Barnes
Anthony Cox
Michael Dattero, Jr.
Arnold Hammonds*
Leonard Hopkins
Kimberly Jackson
Michael Miller
Harold Pierce
Timothy Pinkham
Gregory Singleton
Cynthia Spencer
Shannon Zerniak
David Burnett
Bill Cook
Dana Crosson
John Ferri
Amy Goetchius
James Helms
Jerry Helms
Michael Holliday
Janet Houser
Lauren Rapp*
Fedelia Denise Wade*
Jeffrey Wren
James Wright
Waynesville
Todd Barbee
Rosalind Buchanan
Robert Busko
Meredith Carpenter
Sherri Christopher
Lara Feinberg
William Gardner
Stephen Kirton
Jason Leatherwood
Sherri Rogers
Martha Stines
Tobie Wyatt
Virginia Bailey
McCray Coates
Marcia Dies*
Bob Embler
Sue Estridge
Jack Evans
Danna Harrell–Stansbury
Randy McKinney
Tim Plotts
Durwin Rice
Rick Terry
Clark Wyatt
Jackie Copeland
Doug Eller
Betty Ellis
Dustin Farmer
John Maddocks
Katrina Miller
Charles Olive
Donna Phillips
Celia Robinson
Jeffrey Rose
Sheila Walter
Donna Weaver
Marie Campbell
Melvin Campbell
Roger Chestnutt
Edward Davis
Clara Dunn
Charles Hinson
Jerome Honeycutt
Doris Joseph
Theron McKvian
Ida Smith
Lynn Spaulding
Stacey Williams
Garret Baker
Raymond Bennett II
Phyllis Broughton
Ronald Byrd*
James Cratt
Missy Griffin
Frank Halsey
Sharon Jones
Tonya Leggett
Ron Melchiorre
John Ouellette
Clay Wagner
*Member Loan Review Committee
Wilmington–
Converse Dr.
Edward Anderson
J.H. Corpening II
Carol Cullum
Barbara DeBose
Jeff Flack
Linda Harrelson
Susan Moreau
LaVaughn Nesmith
Vivian Partin*
Allen Pope
Marilyn Roberts
Earl Sheridan, Jr.
Wilmington–
Market St.
Mary Anderson
Christy Bishop
Christa Faison
Benjamin Hughes*
Denise Lopatka
Delmar McGowan III
June Parks–Reddick
Diane Reed
Kathleen Rich
Yvonne Rumple
Wanda Seed
Ashley Stephenson
Wilmington–
Myrtle Grove
Wilmington–
Randall Pkwy.
Emika Barbour
Pamela Brodbeck
Terry Bryant
Robert Burns
Katie Canty
James Hatchell
Julius Laskey
Carol Malloy*
Thomas Moffitt
Daryle Parker
Edith Parker
Donyell Roseboro
Leslie Wright
Stephania Bloodworth
Frances Carr
Yaw Chang
Johnnie Forte*
Edward Graham
Anthony Lopatka
James Merritt
Kathryn Reeves
Angelia Reid–Griffin
Sandra Sheridan
Gerotha Spain*
Paul Verzaal
Wilmington–
Racine Dr.
Joseph Bissette
Glen Davis
Kim Hands
Debra Harris
Charles Hawkins
Travis Heath
Harvey Holland
Maria Howell
James Lewis
Jerry Page*
Joyce Parks
Lorraine Raper
Eva Battle
Samuel Burgess III
Catherine Christ
Amy Connell
James Faison, Jr.
Mary Greene
Joseph Kishton
Dana McKoy
Arlene Mozingo
Aldegundo Plata, Jr.
James Stewart, Jr.*
William Turner
Wilson–42 West
Wilson–Nash St.
Derrick Atkinson
Leonard Baker
Pattie Barnes
Arlisha Cooper
LaQuita Jenkins Farmer
Patricia Grand–Holsten*
Leroy McDowell
Michelle McNeil
Karen Stephenson
Diane Thomas
Corey Walker
Maegen Wilson
Wilson–Ward Blvd.
Bonnie Barbee
Velma Barnes
Nancy Best
James Forbes
Robert Gooding
Donn Holt
William James
Betty Joyner
Teresa Robbins
John Taylor
James Webb
Christine Wright
Winston-Salem–
Silas Creek Pkwy.
Sharon Anderson
Alice Baker
Casey Forrest
Daniel Hefner
Jeffrey Holder
Betsy Howerton
Kevin Lineberry*
Constance Mallette*
George McLendon*
Linda Roope
Newton Stell IV
Neville Watkins
Windsor
Patricia Anderson
Alton Brown
Don Conner
Patricia Copeland
Muriel Hoggard
Lewis Hoggard III
Erik Parker*
Dewey Pierce
Fannie Pugh
Lisa Rose
Edward Whitehurst
Susan Whitehurst
Winston-Salem–
Peters Creek Pkwy.
Joseph Byrd
Mark Crook
Matthew Horvat
Homer Ledbetter, Jr.
Daryl Sgroi
Donna Staley
Brigitte Wilks
Winston-Salem–
Stratford Rd.
Annette Beatty*
Ginger Cahoon
Michael Clements*
Charles Conner
Dan Gallimore
Brenda Herman
Ken Jarvis*
James Kleu*
Andrew LaRowe
Ernest Logemann*
Daryle Maxwell
Judy Oakley
Nelson Rhodes
Josiah Sugg III
Jon Sunderman
C.E. Welborn, Jr.
Jay Wise*
*Member Loan Review Committee
39
Winston-Salem–
University Pkwy.
Winterville
Winston-Salem–
Walkertown Rd.
Yadkinville
Larry Bunn
Kay Byrd
Larry Calloway
Kathy Hawkins
James Johnson
Eyanna Lessane
Kevin McCoy
Rebecca McLawhorn
Clarice Primus Milliken
Carolyn Perry
David Sisk
Sonya Weaks
Deborah Daniels
Sadie Daniels
Frederick Gethers
Hobart Jones
Tina Burns Lewis
Newell Montgomery
Soncerey Montgomery
Marcus Neal
Kimberly Nesbitt
Delores Turner
Delor Williams
Garland Beddard
Edward Bright
Tarrick Cox
Larry Dendy*
Robert Desoto
Vickie Edwards
Toya Jacobs
Karen Lee
John Mozingo
Hal Pierce
Sherri Randall
Vann Sparrow
Lathan Turner
Zebulon
Scott Broadwell
Gregory Eddins
Stephanie Jenkins
Lawre Johnson
Tommie Jones, Jr.
William Lineberry*
Roger Mitchell
William Powell
Karen Routh
Carnell Taylor
Jessica Turner
Freda Vick
Bobbie Carter
Thomas Helms
Susan Helsabeck
Tina Lineberry
Wayne Matthews
Gary McDonald
Roger Mendenhall
Dakota Paris
Melvin Taylor*
Lisa Vestal
Melinda Vestal
George Webb
Yanceyville
Peggy Baldwin
Cynthia Claiborne
Rudy Foster
Joanna Gwynn
Chris Heffinger
Sarah Humphrey
Gregory Ingram
Precilla Stone
Lawrence Walker
Larry Whitt
Matthew Williams
Robin Wood
40
*Member Loan Review Committee
www.ncsecu.org | Contact Center: 1.888.732.8562 or 919.857.2150 | 1.800.ASK.SECU
PO Box 27665, Raleigh, NC 27611-7665