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Board of Directors and Staff

Guy Messick
Mary Beth Spuck
Jack Antonini
Board Member
Ray Crouse
Board Member
Kirk Drake
Board Treasurer
Jay Johnson
Board Member
Becky Reed
Board Vice Chairperson
Mark Zook
Board Secretary
Brian Laurer
General Counsel
Bob Frizzle

Guy A. Messick
Guy was appointed as CEO of NACUSO Business Services in May of 2021. From 1987 to 2020, he served as General Counsel to NACUSO as well as liaison with the National Credit Union Administration. He was a founding partner of the law firm of Messick Lauer & Smith P.C. in Media, Pennsylvania. Guy provided strategic planning and legal services to credit unions and credit union service organizations nationwide. After retiring from the law firm on January 1, 2020, Guy continues to contribute to credit unions by serving on several CUSO Boards: AKUVO, Ministry Partners, and United Solutions Company. He is the author of “Credit Union Collaborations: Lessons Learned.” Guy is honored to be named a CUSO Pioneer in America’s Credit Union Museum in Manchester, New Hampshire.

Guy Messick
NACUSO Business Services
6000 28th Street SE, Suite #300
Grand Rapids, MI 49546
Phone: (484) 645-7019


Maps Credit Union
P.O. Box 12398
Salem, OR 97309
Phone: (503) 375-0455

Jack Antonini
NBS Board Member

Jack Antonini was appointed president/CEO of NACUSO in 2010. Jack was the former President & CEO of USAA Federal Savings Bank and member of USAA’s Executive Council (the top ten leaders of this diversified financial services company), when USAA FSB was recognized as “Best Bank in America” by Money magazine. Jack was former head of the Consumer Banking Group as well as internet, phone and ATM delivery channels for all lines of business at First Union/Wachovia, one of the five largest banks in America. Jack previously was Vice Chairman & CFO of FirstUSA, one of the three largest credit card companies prior to its merger with BankOne/Chase. Most recently Jack was President & CEO of Cardtronics, where he helped grow the business from 8,000 ATMs and $60 million in revenue to the largest ATM owner/operator in the world with over $500 million in revenue, the largest surcharge-free ATM network, with 6 of the top 10 banks and 7 of the top 11 retailers in the U.S as customers. Mr. Antonini has been a founding NBS board member since 2021 and currently serves on the NACUSO board.

6000 28th Street SE, Suite #300
Grand Rapids, MI 49546
Phone: (888) 462-2870 or

Ray Crouse
NBS Board Member

Ray Crouse is the President and CEO of Skyla Financial Solutions located in Pasadena, California. Ray was recruited to this credit union in 2015 due to his strength in collaboration and strong belief in the credit union system. He has quickly energized this credit union and built a plan to turn around its aging membership. Prior to arriving at Skyla, Ray operated his own consulting company, Unity Review which assisted many CUSOs, and Credit Unions with analyzing CUSO opportunities as well as specific investments in CUSOs. Ray was also previously President of Allegacy Business Solutions for Allegacy Federal Credit Union. Mr. Crouse has been a founding NBS Board member since 2021 and currently serves on the NACUSO board.

Skyla Financial Solutions
100 W. Walnut Street
Pasadena, CA 91124
Phone: (800)765-4297

Kirk Drake
NBS Board Treasurer

Kirk Drake is a lifelong entrepreneur, author, and founder of Credit Union 2.0. He is a credit union and technology enthusiast who built nine successful businesses, notably the Credit Union Service Organization (CUSO) Ongoing Operations, CU Wallet – a mobile wallet venture, Resistance Wine Company, and several additional fintech companies. Kirk specializes in building collaborative business models, launching new fintech companies, and helping entrepreneurs develop, launch, fund, and build their companies within the financial services industry. In 2016, Kirk harnessed his 25 years of industry experience to write Credit Union 2.0: A Guide to Helping Credit Unions Compete in the Digital Age. His second book – Financial – Artificial Intelligence for credit unions was published in November 2020. Kirk is a featured speaker with over 100 previous appearances at conferences, including The California Credit Union League, CU Leaders, PSCU Annual Conference, Cornerstone Credit Union League, and many more. He helps audiences understand the current state of credit unions, the imminent need to adapt into current digital technologies, and how to regain crucial market share in the banking industry. Mr. Drake has been a founding NBS board member since 2021.

CU 2.0
175 Pilot View Road
Ashland, OR 97520
Phone: (301) 461-3120

Jay Johnson
NBS Board Member
Jay Johnson is both a Partner/Chief Collaboration Officer with Callahan & Associates and President of Callahan Credit Union Financial Services, LP. He leads the company’s research and analysis of key trends and issues driving credit union performance in the marketplace. Callahan is the premier source of credit union information and innovation, helping the industry to deliver superior value by providing performance benchmarking tools, strategic planning resources and cooperative partnership opportunities. Jay presents credit union performance trends and best practices in lending and deposit strategies, delivery channel management, and technology utilization to regional and national credit union conferences, as well as credit union strategic planning sessions. Mr. Johnson has been a founding NBS board member since 2021 and currently serves on the NACUSO board.

Callahan & Associates Inc.
1001 Connecticut Avenue, NW
Washington, DC 20036
Phone: (202) 223-3920 ext. 352

Becky Reed
NBS Board Vice Chairman
Becky Reed is the CEO for Lone Star Credit Union in Dallas, Texas. In her current role, she is responsible for implementing the strategic vision of the Executive Team and Board. In her previous role as COO/CIO at Lone Star Credit Union, she was responsible for managing a core conversion and utilizing technology to create efficiencies for the staff. Ms. Reed is no stranger to credit unions, with over 20 years of experience at credit unions of varying asset sizes and in various roles, including President and CEO, she understands the unique challenges of the credit union industry. Ms. Reed is also the co-founder of the Credit Union Service Organization, PureIT CUSO and serves as its Board Chairman. Ms. Reed has been a founding NBS board member since 2021 and currently serves on the NACUSO board.

Lone Star Credit Union/PureIT CUSO
7508 Ferguson Road
Dallas, TX 75228
Phone: (214)  217-8112

Mark Zook
NBS Board Secretary
Mark is the President and CEO of Maps Credit Union, a Salem, Oregon-based community chartered credit union. In addition, Mark is the Chief Executive Officer of MaPS Service Agency, Inc., the holding company for the credit union’s subsidiaries including; Credit Union Wireless, Advanced Reporting, Maps Insurance Services and Fi-Linx. His involvement in the credit union and CUSO movement includes service on the Board of Directors of OCUL Services, Inc. (OSI), the Oregon trade association’s services Board, the Board of Managers of Ongoing Operations, a national multi-CU owned business continuity and disaster recovery CUSO, the Board of Managers of the CU Insurance Alliance, a national multi-credit union owned insurance agency CUSO, and the Board of Managers of the Willamette Business Group, a regional multi-credit union owned business lending CUSO. Mr. Zook has been a founding NBS board member since 2021.

Resource One Credit Union
1200 Belleview Street
Dallas, TX 75215
Phone: (214) 565-5396

Brian Lauer
NBS General Counsel

Brian G. Lauer is a partner with the law firm of Messick Lauer & Smith P.C. in Media, Pennsylvania where he concentrates his practice on assisting credit unions, primarily through CUSOs, in finding effective ways to work collaboratively with other credit unions and third party service providers to serve their members with non-traditional products and services. Brian also assists credit unions and CUSOs navigate the sea of regulations affecting nearly every aspect of their day to day operations. Upon the retirement of Guy Messick at the end of 2020, Brian became NACUSO’s General Counsel in 2021. Brian will continue to serve as a liaison with the NCUA and other regulatory agencies for NACUSO. His law firm maintains a website at Mr. Lauer serves as the General Counsel for NBS since 2021 and has been with NACUSO since 2006 and currently serves as their General Counsel.

Messick Lauer & Smith P.C.
1055 E. Baltimore Pike #202
Media, PA 19063
Phone: (610) 891-9000

Bob Frizzle

Bob Frizzle is the Chief Financial Officer of CU*Answers, Inc. CU*Answers, the data processing CUSO from MI, is currently owned by more than 140 credit unions nationwide. Mr. Frizzle has been serving in the credit union industry since 1989. In his position as CFO at CU*Answers, he has assisted in growing the CUSO from annual revenues of $6 million to $62 million projected in 2021. He has also assisted in the creation of several CUSOs including Xtend, CU Northwest, CU South, eDOC Innovations, Processing Alliance, Site 4, Neighborhood Mortgage Solutions, CU Student Choice, and several others. Mr. Frizzle also serves as the CFO for the following CUSOs and Associations: Xtend, Inc., eDOC Innovations, Inc., CU Student Choice, LLC, NACUSO and NACUSO Business Services. He also sits on the Board of Directors for eDOC Innovations, Inc. Mr. Frizzle is the CFO for NBS and has also served as the CFO for NACUSO since 2005 to current.

6000 28th Street SE, Suite #100
Grand Rapids, MI 49546
Phone: (616) 285-5711

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