Contact Info

First Future Credit Union
P.O. Box 509074
San Diego, CA 92150-9074
Phone: 858-320-4201
Email: marla.shepard@firstfuture.org

• President/CEO, Marla Shepard, age: 57
  
  
• Opened for business: 1939
  
  
• Assets as of latest quarter: $841 million
  
  
• Capital (accumulated earnings): $90.95 million
  
  
• ROA: 0.90 percent
  
  
• Core capital as percentage of assets: 10.81 percent
  
  
• Provision for loan losses: $1.46 million
  
  
• Plant the flag: 17 branches with two more in the works and plans to open one a year over the next five years.
  
  
• Employment: about 250.

Directors

• Fred Walters, chairman, telecommunications contract inspector for Ranstaad Inc./AT&T.
  
  
• Fred Mehlick, vice chairman, director of California and Nevada for RJE Telecom of California Inc.
  
  
• Gary Atkinson, chief financial officer of CFO Lpath Inc.
  
  
• Fred Mehlick, vice chairman, director of California and Nevada for RJE Telecom of California Inc.
  
  
• Tom Erickson, vice president of human resources and administration for Elgar Electronics Corp.
  
  
• Trudy Kennedy, communication specialist manager for SBC (retired).
  
  
• David Peden, senior buyer at San Diego Union Tribune Publishing Co.

Key personnel

Jim Goulet, president of subsidiary corporation First Future Financial Services, LLC); Darleen Wilkins, vice president of operations; Debra Schwartz, vice president of finance and administration; Susan Whiteley, vice president, information technology; Michael Sterns, vice president marketing and planning; Mitzi Zarcone, vice president of lending; Randy Zawislak, vice president of human resources; Richard Yuen, vice president of business lending; Marilyn Murphy, vice president of sales, training and quality service.

Niche or target customer

First Future’s historical affinity groups are AT&T/SBC, Guidant, Union-Tribune, Solar. The CU became community chartered (i.e., open membership) in 2001.