NCOFCU-25: Full Schedule

“Great things happen when credit unions serving firefighters & first responders come together. Our face-to-face and online interaction is the platform where collaboration begins, and GREAT ideas are generated”

8:00am EDT

🚒 🚓 Welcome to NCOFCU's 2025 Conference in Key West, FL

Sunday September 21, 2025 8:00am - 5:00pm EDT

We are so glad that you are here.
Welcome to Key West, FL and everything it has to offer. If you have any questions, please reach out to me at 305-951-3306, Grant Sheehan, CEO of NCOFCU.

For information about the Casa Marina.
Rachel Molloy
Events Manager
Casa Marina Key West, Curio Collection by Hilton™
The Reach Key West, Curio Collection by Hilton™
+1 305 619 4256 direct
Rachel.Molloy@Hilton.com
1500 Reynolds Street
Key West, FL 33040 USA
305.304.9807
casamarinaresort.com
reachresort.com

“Great things happen when credit unions serving first responders come together. Our face-to-face and online interaction is the platform where collaboration begins, and great ideas are generated.”

Sunday September 21, 2025 8:00am - 5:00pm EDT

7:00am EDT

⛳ Eddie Paris Memorial Golf Tournament

Monday September 22, 2025 7:00am - 2:00pm EDT

Key West Golf Course

Welcome to the Eddie Paris Memorial Golf Tournament.

T-off 8:00 a.m. (7:00 am depart hotel)

At the entrance to the island of Key West, the unique Key West Golf Club’s 18 holes encompass over 200 acres of beautiful Florida Keys foliage and wildlife.

Legendary golf course architect Rees Jones masterfully designed the Key West Golf Club, which is an 18-hole, 6,500-yard par 70 course that is challenging to players of all abilities.

Prepare to conquer the thrilling challenges of the Key West Golf Club, including the notorious “Mangrove Hole.” This 143-yard par 3 is a true test of skill, played entirely over a field of densely packed tropical mangroves.

Located in the heart of Key West, Florida, the Key West Golf Club is the only Caribbean golf course in the United States. Key West offers enjoyment and activities to all ages, including award-winning restaurants, nightlife, diving, fishing, and many other activities.

At the “Gateway to the Caribbean,” we invite you to come and experience the exhilaration of playing a round at our beautiful tropical course.

The tournament kicks off at 8:00 A.M. with a Shotgun Start, promising a day filled with excitement and friendly competition.We will depart the hotel at 7:00 A.M. (meet in the Hotel Lobby)

$150 per player (Includes lunch, range balls & round-trip transportation)
$79 Rental clubs if needed.

1st Place Team $400 / 2nd Place Team $200
Closest to the pin $100 prize / Longest Drive $100 prize

Monday September 22, 2025 7:00am - 2:00pm EDT
Key West Golf Course

Golf

2:00pm EDT

🏷️Registration/Hospitality

Monday September 22, 2025 2:00pm - 6:00pm EDT

Ballroom Lobby

Please note: Name Tags are required for all events!

Your safety in the time of COVID is our biggest concern. NCOFCU and the hotel will be following all of the latest COVID protocols from the local authorities at the time of our conference to ensure that you have a safe and pleasurable experience.

While the hotel and the National Council of Firefighter Credit Unions Inc (NCOFCU) have put in place preventative measures designed to reduce the spread of COVID-19, You understand that your voluntary attendance at the NCOFCU Conference may expose you to an increased risk of contracting the COVID-19 virus. Furthermore, you understand that NCOFCU cannot guarantee that you will not become infected with COVID-19.

Please observe any COVID-19 requirements imposed by the hotel and NCOFCU for your safety and others.

Monday September 22, 2025 2:00pm - 6:00pm EDT
Ballroom Lobby

Registration

3:00pm EDT

📖 BSA/AML

Monday September 22, 2025 3:00pm - 4:00pm EDT

Feedback Survey

BSA/AML Updates and certification.
Examiners are looking for this training…volunteers need to be familiar with BSA requirements. Attendees will walk through an overview and historical background of BSA and learn the specifics every board must actively keep up with, such as BSA policy, risk assessment, ongoing training, and Suspicious Activity Report filings.

Speakers

Erin Brophy

Richards & Associates

Erin is the third generation of her family to serve credit unions at Richards & Associates, CPAs. Her career with the firm began at 15, when she worked part-time to save for her first car, and she continued working there throughout college. Erin holds a Bachelor's degree in Sociology/Administrative... Read More →

Monday September 22, 2025 3:00pm - 4:00pm EDT

Speaker

4:00pm EDT

📖 Understanding Your Credit Union's Financial Statement

Monday September 22, 2025 4:00pm - 5:00pm EDT

Feedback Survey

As a credit union director, it is crucial to understand your credit union's financial statement because it provides a comprehensive overview of the organization's financial health. The financial statement contains important information about the credit union's assets, liabilities, income, and expenses, which can help you make informed decisions about the organization's future.

By understanding your credit union's financial statement, you can identify areas of strength and weakness, and make strategic decisions to improve the credit union's financial performance. For example, if you notice that the credit union's expenses are increasing faster than its income, you may need to adjust the budget or look for ways to increase revenue. Similarly, if you see that the credit union's loan portfolio is growing rapidly, you may need to ensure that the credit union has adequate reserves to cover potential losses.

Furthermore, understanding the financial statement can help you fulfill your fiduciary responsibilities as a credit union director. You have a duty to act in the best interests of the credit union and its members, and understanding the financial statement is essential to fulfilling this duty. By monitoring the credit union's financial performance and making informed decisions, you can help ensure the long-term success of the credit union and its ability to serve its members.

In summary, understanding your credit union's financial statement is critical to making informed decisions, identifying areas of strength and weakness, fulfilling your fiduciary responsibilities, and ensuring the long-term success of the credit union.

Speakers

Michael Richards

President/CEO, Richards & Associates CPA's

Michael Richards, CPA PhotoMike Richards has held the position of CEO of Richards & Associates, CPAs for over forty years. He joined the firm in 1973 after earning a bachelor’s degree in business administration from the California State University at Los Angeles and becoming a Certified Public Accountant... Read More →

Monday September 22, 2025 4:00pm - 5:00pm EDT

Speaker

4:00pm EDT

👀CEO Hour (Round Table Discussion)

Monday September 22, 2025 4:00pm - 5:00pm EDT

Hyatt Regency Riverwalk

CEO Hour Meet and Greet
CEOs of credit unions serving first responders come together in this peer-to-peer setting and speak openly. Successes, challenges, strategy, implementation. It’s all about leveraging the knowledge of fellow leaders who’ve been-there-done-that. It’s a great connection point for forward-thinking CEOs to network, gather insights and walk away with some new ideas, fresh approaches, and renewed enthusiasm.

Monday September 22, 2025 4:00pm - 5:00pm EDT
Hyatt Regency Riverwalk

Speaker

6:30pm EDT

🍽️ 🍷 Beachside Reception “Welcome to Key West." (Exhibitors & Registered Guests Invited)

Monday September 22, 2025 6:30pm - 7:30pm EDT

East Beach

MEET AND GREET
6:00 p.m. - 7:30 p.m. Supported by our Conference Sponsor”
Come meet and greet old friends and make new ones. Open bar with hors d'oeuvres. Start your first evening right! Included in attendee, guest and exhibitor registration. Please observe any social distancing requirements imposed by the hotel for your safety and others.

Monday September 22, 2025 6:30pm - 7:30pm EDT
East Beach

Event

7:30am EDT

🍽️☕ Attendee and Guest Networking Breakfast / Exhibits open

Tuesday September 23, 2025 7:30am - 8:30am EDT

Big Pine-Conch-Duck

Start your day with hot breakfast, and the opportunity to build stronger connections with your peers from credit unions across the country.

Tuesday September 23, 2025 7:30am - 8:30am EDT
Big Pine-Conch-Duck

Meal

8:00am EDT

🏷️ Registration/Hospitality

Tuesday September 23, 2025 8:00am - 9:00am EDT

Lobby Patio

Tuesday September 23, 2025 8:00am - 9:00am EDT
Lobby Patio

Registration

8:30am EDT

1. 🗣️ Welcome Opening

Tuesday September 23, 2025 8:30am - 9:00am EDT

Grand Ballroom

We are so excited to have you all here and to share with you the amazing things we have planned. We have a great lineup of speakers, workshops, and activities that will help us all learn more about the topics that matter most to us.

We hope that this conference will be a place where we can come together to share ideas, learn from each other, and build relationships. We also hope that it will be a place where we can find inspiration and motivation to take action in our own lives.

So let's get started! Let's make this an amazing event and create something special together.

Tuesday September 23, 2025 8:30am - 9:00am EDT
Grand Ballroom

Speaker

8:30am EDT

2. 🗣️ 🚒Fire Chief

Tuesday September 23, 2025 8:30am - 9:00am EDT

Speakers

Alan Averette

Fire Chief, Key West Fire Department

Tuesday September 23, 2025 8:30am - 9:00am EDT

Speaker

8:30am EDT

3. 🚒 Fire Dept. Honor Guard

Tuesday September 23, 2025 8:30am - 9:00am EDT

Ballroom A&B

Fire Dept. Honor Guard

Tuesday September 23, 2025 8:30am - 9:00am EDT
Ballroom A&B

Speaker

8:30am EDT

4. 🗣️ Exhibitor Introductions

Tuesday September 23, 2025 8:30am - 9:00am EDT

Ballroom A&B

Each exhibitor will have a few minutes to tell you about themselves and invite you to their booth.

Tuesday September 23, 2025 8:30am - 9:00am EDT
Ballroom A&B

Speaker

9:00am EDT

Initiative to Drive Your 2025 Strategy

Tuesday September 23, 2025 9:00am - 9:45am EDT

Speakers

Ancin Cooley

President/CEO, Synergy Credit Union Consulting

Mr. Ancin Cooley, CIA, CISA, is the Founder and Principal of Synergy Credit Union Consulting, Inc. Synergy provides a suite of risk management services to financial institutions, which include loan reviews, information technology audits, internal audits, directors' exams, and regulatory... Read More →

Tuesday September 23, 2025 9:00am - 9:45am EDT

Speaker

9:45am EDT

☕ Coffee Break with Exhibitors

Tuesday September 23, 2025 9:45am - 10:00am EDT

Ballroom Foyer

Coffee Break with Exhibitors

Tuesday September 23, 2025 9:45am - 10:00am EDT
Ballroom Foyer

Break

10:00am EDT

National/Credit Union Economic Vision

Tuesday September 23, 2025 10:00am - 11:00am EDT

Feedback Survey

Speakers

Steven Rick

Chief Economist, TrueStage

Steven Rick is director and chief economist at TruStageTM. His primary responsibilities include conducting strategic research, analysis and forecasting of the financial services industry, with special emphasis on the consumer and credit union markets.Rick’s forecasts serve as a... Read More →

Sponsors/Exhibitors

Truestage

TruStage™ is a financially strong insurance, investment and technology provider, built on the philosophy of people helping people. We believe a brighter financial future should be accessible to everyone, and our products and solutions help people confidently make financial decisions... Read More →

Tuesday September 23, 2025 10:00am - 11:00am EDT

Speaker

11:00am EDT

🗣️ The McCormick Hour

Tuesday September 23, 2025 11:00am - 12:00pm EDT

Feedback Survey

An exciting panel discussion on issues & opportunities today & tomorrow!

Interest rates and issues
fraud, cyber, phishing training and risks.
Fin Tech competition
Non-Interest Income
Staffing issues
Digital Currency, the Fed talked about setting up a digital exchange.

Speakers

Matt Herbert

CEO, San Diego Firefighters Federal Credit Union

Matt enjoyed a 40+ year career at Northrop Grumman FCU where he progressed from running their IT system to running the credit union as the CEO. Over the years, he learned the difference between running a successful credit union and running a credit union for the success of its members... Read More →

Michael McCormick

Director, NCOFCU

Michael McCormick has been a Director with the National Council of Firefighter Credit Unions (NCOFCU) since its inception in 2001. He has also been a director with the San Diego Firefighters Federal Credit Union since 1998 serving as the Treasurer for 10 years, as the Vice Chairman... Read More →

Andy Polott

General Council, Lafayette Federal Credit Union

Andy’s 42-year career in private law practice as a transactional attorney, together with his personal experience as a real estate entrepreneur and as CEO of his mid-sized law firm enabled Andy to deeply understand and internalize the needs of and difficulties faced by his clients... Read More →

Michael Richards

President/CEO, Richards & Associates CPA's

Tuesday September 23, 2025 11:00am - 12:00pm EDT

Speaker

12:00pm EDT

🍽️ CEO Networking Lunch - Thank You Money Concepts

Tuesday September 23, 2025 12:00pm - 12:45pm EDT

Hyatt Regency Riverwalk

CEO networking lunch sponsored by Money Concepts.

Tuesday September 23, 2025 12:00pm - 12:45pm EDT
Hyatt Regency Riverwalk

Meal

12:00pm EDT

🍽️ Networking Lunch Directors & Exhibitors

Tuesday September 23, 2025 12:00pm - 12:45pm EDT

Rio Grand Ballroom

Get acquainted with old friends and meet new ones. Exhibits open.

Tuesday September 23, 2025 12:00pm - 12:45pm EDT
Rio Grand Ballroom

Meal

1:00pm EDT

🗣️FHLB

Tuesday September 23, 2025 1:00pm - 2:00pm EDT

Feedback Survey

Speakers

lenwood Brooks

VP, Director of Government & Industry Relations at Federal Home Loan Bank of Dallas, FHLB

Seasoned professional with 20 years of experience designing nationwide Public Relations strategies, leading high-functioning teams, and reforming financial services. Previously appointed by President Donald J. Trump to serve as the Chief of Staff to The Honorable Rodney E. Hood... Read More →

Tuesday September 23, 2025 1:00pm - 2:00pm EDT

Speaker

2:00pm EDT

🗣️TBA

Tuesday September 23, 2025 2:00pm - 3:00pm EDT

Feedback Survey

Tuesday September 23, 2025 2:00pm - 3:00pm EDT

Speaker

3:00pm EDT

☕ Coffee Break with Exhibitors

Tuesday September 23, 2025 3:00pm - 3:15pm EDT

Ballroom Foyer

Coffie break with exhibitors.

Tuesday September 23, 2025 3:00pm - 3:15pm EDT
Ballroom Foyer

Break

3:15pm EDT

TBA

Tuesday September 23, 2025 3:15pm - 4:00pm EDT

Feedback Survey

Tuesday September 23, 2025 3:15pm - 4:00pm EDT

Speaker

4:00pm EDT

TBA

Tuesday September 23, 2025 4:00pm - 5:00pm EDT

Feedback Survey

Tuesday September 23, 2025 4:00pm - 5:00pm EDT

Speaker

5:30pm EDT

🍷Exhibitor Reception

Tuesday September 23, 2025 5:30pm - 6:30pm EDT

Ballroom Foyer

Meet the exhibitors and see what they can do for you.

Tuesday September 23, 2025 5:30pm - 6:30pm EDT
Ballroom Foyer

Event

6:30pm EDT

🍷 🍽️ Evening open to visit Key West and have dinner.

Tuesday September 23, 2025 6:30pm - 10:30pm EDT

Feedback Survey

Tuesday September 23, 2025 6:30pm - 10:30pm EDT

7:30am EDT

🍽️ ☕ General Networking Breakfast

Wednesday September 24, 2025 7:30am - 8:30am EDT

Rio Grand Ballroom

Wednesday September 24, 2025 7:30am - 8:30am EDT
Rio Grand Ballroom

Meal

8:30am EDT

🗣️A Survival Guide for Credit Union Board Members

Wednesday September 24, 2025 8:30am - 9:30am EDT

Feedback Survey

Speakers

Kevin Smith

Team Resources

Kevin Smith, Consultant/Publisherksmith@forteamresources.com608-217-0556

Wednesday September 24, 2025 8:30am - 9:30am EDT

Speaker

9:30am EDT

TBA

Wednesday September 24, 2025 9:30am - 10:30am EDT

Feedback Survey

Wednesday September 24, 2025 9:30am - 10:30am EDT

Speaker

10:30am EDT

☕ Coffee Break with Exhibitors

Wednesday September 24, 2025 10:30am - 10:45am EDT

Break

10:45am EDT

TBA

Wednesday September 24, 2025 10:45am - 11:45am EDT

Feedback Survey

Wednesday September 24, 2025 10:45am - 11:45am EDT

Speaker

11:50am EDT

🗣️ Enhancing Executive Benefits

Wednesday September 24, 2025 11:50am - 12:45pm EDT

Feedback Survey

Speakers

Bernie Winne

Regional VP, Modern Capital

John (Bernie) Winne retired after a lengthy career in the credit union industry including 20 yrs. as the President and CEO at Boston Firefighters Credit Union. He was a long-time member of the Board of Directors and Chairman of the Massachusetts Credit Union League and the Cooperative... Read More →

Wednesday September 24, 2025 11:50am - 12:45pm EDT

Speaker

12:45pm EDT

💃🏼 Enjoy Key West

Wednesday September 24, 2025 12:45pm - 6:30pm EDT

Take the opportunity Friday afternoon to enjoy the many sites in San Antonio, TX..

Wednesday September 24, 2025 12:45pm - 6:30pm EDT

6:30pm EDT

🍷 🍽️ Reception/Dinner

Wednesday September 24, 2025 6:30pm - 10:00pm EDT

Beach Patio

Come join us as we celebrate another year!

Wednesday September 24, 2025 6:30pm - 10:00pm EDT
Beach Patio

Meal

8:00am EDT

🍽️ General Networking Breakfast

Thursday September 25, 2025 8:00am - 8:45am EDT

Rio Grand Ballroom

Thursday September 25, 2025 8:00am - 8:45am EDT
Rio Grand Ballroom

Meal

9:00am EDT

🗣️ Annual Meeting

Thursday September 25, 2025 9:00am - 9:30am EDT

Ballroom A&B

NCOFCU, where we are today and looking into the future. As we come together in San Antonio, let's unite and do what credit union people do best: work together. Now more than ever before, unity is the foundation of success not only in business strategies but also in building lasting relationships that will enable us to forge ahead.

Thursday September 25, 2025 9:00am - 9:30am EDT
Ballroom A&B

Speaker

9:30am EDT

TBA

Thursday September 25, 2025 9:30am - 10:30am EDT

Feedback Survey

Thursday September 25, 2025 9:30am - 10:30am EDT

Speaker

10:00am EDT

TBA

Thursday September 25, 2025 10:00am - 11:00am EDT

Feedback Survey

Thursday September 25, 2025 10:00am - 11:00am EDT

Speaker

11:00am EDT

🗣️ Conference Wrap Up

Thursday September 25, 2025 11:00am - 11:30am EDT

Ballroom A&B

2025 and Beyond

Thursday September 25, 2025 11:00am - 11:30am EDT
Ballroom A&B

Event