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Pen Air Federal Credit Union. Enhancing Lives since 1936.

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Board of Directors

Pen Air Federal Credit Union’s Board of Directors consists of seven voting members, who serve without financial compensation. They possess the responsibility for maintaining the general direction and control of the Credit Union to safeguard each member’s investments.

Among other things, the Board is responsible for appointing positions within the Credit Union, including the Supervisory Committee and Chief Executive Officer; approving the number and classes of shares, share certificates and share draft accounts; approving dividend and interest rates; and establishing and maintaining a system of internal controls consistent with the regulations of the Board Policies, Credit Union Bylaws and National Credit Union Administration regulations.

Associate Volunteers

Our Associate Volunteer program allows the Board of Directors to identify potential new volunteers for the Board and Supervisory Committee to ensure continuity for the future. Associate Volunteers participate in board and committee meetings to learn about the credit union. The only limitation to participation is the inability to vote on issues during board meetings.


Robert Jacobson - Chair, Board of Directors

Robert Jacobson, Chair

Robert is retired from Capgemini SE, an international information technology services company, as the Vice President for Information Technology Operations for CHCS Services, in Pensacola, Florida. He graduated from the United States Naval Academy and received his Master’s degree from George Washington University. Robert is a retired Commander in the United States Naval Reserve. He is an active member of Rotary Club International and has served on numerous committees in support of economic development for the community. Robert served on the Pen Air FCU Supervisory Committee for 11 years and has been a member of the Board of Directors for 5 years.

Stephanie Oram, Vice Chair - Board of Directors

Stephanie Oram, Vice Chair

Stephanie is from Phillips, Wisconsin.  She was commissioned as an Ensign in the United States Navy following her graduation from University of Wisconsin in Madison with Bachelor of Business Administration Degree. Stephanie served 24 years in the Navy as a Naval Aviator where she flew a variety of aircrafts. In 2007, she was hired as the Airfield Manager, and then promoted to the Air Operations Officer at Naval Air Station (NAS), Pensacola, FL, where she managed all operations of the airfield.  She transitioned to be the Community Planning and Liaison Officer, and is currently the Installation Program Integrator for NAS Pensacola, working directly for the Commanding Officer of Naval Air Station, Pensacola. Stephanie has two daughters, Danielle and Jessica.

Ann McCall - Treasurer, Board of Directors

Ann McCall, Treasurer

Ann’s employment background includes with the Department of Defense, Social Security Administration, and U.S. Postal Service. Her educational background is in finance and accounting, audit, payroll, human resources, and internal investigations. She is the second board member at Pen Air to receive the Certified Credit Union Volunteer Award and the first to complete the Credit Union Executive Society program for Credit Union Board Director Excellence. Ann was selected by the League of Southeastern Credit Unions as the 2016 Volunteer of the year and in May 2019 received the National Association of Federal Credit Unions certification as a Certified Volunteer Expert. She remains loyal and committed to Pen Air, our members and staff, and the safety and soundness of our credit union.

Randy Roy - Secetary, Board of Directors

Randy Roy, Secretary

Randy Roy originally hails from Lynn, Massachusetts. He entered the Navy after high school through the Delayed Entry Program. Upon completion, he attended Air Traffic Control School, followed immediately by Carrier Air Traffic Control School. His career brought him from a junior enlisted to Chief Petty Officer and ultimately earned him the rank of Lieutenant through the Limited Duty Officer Program. Randy’s has a Bachelor of Science in Business and his personal awards include the Meritorious Service Medal, Navy Commendation Medal with three gold stars, Navy Achievement Medal, and numerous unit–campaign–and service medals. Randy retired from the U.S. Navy in 2008 after completing his tour aboard Naval Air Station Whiting Field, Florida. His experience in military missions, planning, and aviation afforded him the opportunity to serve in his second career as Naval Air Station Whiting Field’s Community Planning and Liaison Officer.

Eileen Ehrsam, Board of Directors

Eileen Ehrsam, Director

Eileen is originally from Seneca Kansas. She is currently employed by SPIB as the Accounts Receivable Administrator she has over 33 years of accounting and auditing experience. Before moving to Florida, she was employed by CR Industries as Production Control/Inventory Specialist. She has attended Pensacola Junior College, George Stone Area Vocational School, and Patricia Stevens Model Agency. Eileen has served on the Board of Directors for fourteen years. Before coming to the Board, she served on the Supervisory Committee for three years. She served on various credit union committees.

Donald Bailey, Board of Directors

Donald Bailey, Director

Donald Bailey previously served on the Supervisory Committee for 4 years. Newly elected to the Board of Directors. Donald was born in Birmingham, Alabama, but has resided in Pensacola for 60 years. Has been a loyal member of Pen Air Federal Credit Union for 37 years. Graduated from Escambia High School and attended Pensacola Junior College and the University of West Florida. Currently employed as a Sales Manager in the Wine & Spirits business for 35 years. Has been an active member of Hillcrest Baptist Church for 27 years.

Vann Goodloe, Board of Directors

Vann Goodloe, Director

A native of Jacksonville, Florida, Vann Goodloe was designated a Naval Aviator and helicopter pilot in 1963. During his 32-year naval career, he commanded two fleet helicopter squadrons, was Commander, Training Air Wing FIVE at NAS Whiting Field and Commanding Officer, Naval Aviation Schools Command at NAS Pensacola just prior to his retirement in July 1993. He then served as Administrator for a large Pensacola law firm followed by Senior VP, Pensacola Chamber of Commerce. Active in the community, Vann has served as Chairman or President of several volunteer organizations.

Supervisory Committee


Each member of Pen Air’s Supervisory Committee is appointed by Pen Air’s Board of Directors. The Supervisory Committee is responsible for monitoring and evaluating the Credit Union’s financial activities on behalf of the members.

The Committee affirms that the Credit Union’s management is protecting the assets of the Credit Union by establishing and maintaining sound internal controls in accordance with Generally Accepted Accounting Principles, the Federal Credit Union Act, and Pen Air Bylaws. The Committee is also responsible for providing an independent assessment of the safety and soundness of the Credit Union and determining that the financial condition of Pen Air is accurately presented in its financial statements.

Ricky Crews - Chair, Supervisory Committee

Ricky Crews, Chair

As Chairman of the Supervisory Committee, Ricky is responsible for leading the activities of the Supervisory Committee as it carries out its responsibility of providing oversight for Pen Air. Prior to joining the Pen Air volunteer team in August of 2018, Ricky worked for 35 years providing oversight of the credit union industry with the National Credit Union Administration (NCUA). Ricky started his career with the NCUA as District Credit Union Examiner based in Pensacola in 1987. Since then, Ricky served NCUA in various positions including Problem Case Officer, Capital Markets Specialist and Corporate Examiner. In 2007, he was promoted to Supervisory Examiner serving in that role in Charlotte, NC, Tallahassee, FL and finally Pensacola. Ricky retired from NCUA in 2016.

Randy Smith - Vice Chair, Supervisory Committee

Randy Smith, Vice Chair

Randall hails from Waverly, Ohio and entered the U.S. Navy as a Data Systems Technician after graduating high school in 1979. He completed recruit training and BE&E school in Great Lakes, Illinois followed by Data Systems Technician school at Mare Island, CA and advanced technical training at Lowery AFB, Denver, CO. Randall’s assignments over 29 years included the USS Independence (CV-62), USS John F. Kennedy (CV-67), COMOPTEVFOR, USS Saratoga (CV-60), CTF-67, USS Stout (DDG-55), AEGIS Training Center, NCTAMS EURCENT and Naval Air Station Whiting Field. Randall’s personal military awards include the Meritorious Service Medal with one gold star, Navy Commendation Medal with three gold stars, Navy Achievement Medal with two gold stars as well as various unit, campaign and service medals. Randall retired from the U.S Navy in February 2008 as a Chief Warrant Officer-4 Surface Electronics Maintenance Officer after completing his tour aboard Naval Air Station Whiting Field, Milton, FL but continued his association with the U.S. Navy as a DON civilian employee working as an Airfield Management Specialist at NAS Whiting Field.

Darryl Johnson - Secretary, Supervisory Committee

Darryl Johnson, Secretary

Darryl retired from the United State Federal Government as civil servant after serving for 46 years. Darryl’s education includes a bachelor’s degree in social work/English from Murray State University and a master’s degree in Clinical Social Work from Florida State University. Darryl was recognized as an Outstanding Federal Employee from 1978 through 2005 and received the Meritorious Civilian Service Award from the South Carolina Governor himself in 1991. Darryl Served as Officer In Charge and established the Community Support Center at Stennis Space Center, Stennis Mississippi following hurricane Katerina. Darryl is a member of Navy Region Southeast Disaster Team, deploying to various southeastern states following hurricanes and floods. Darryl served as Chair of Locklin Tech Center Advisory Committee for several years and is a past member of Society for Human Resources.

Kevin Krieger, Supervisory Committee

Kevin Krieger

Dr. Kevin Krieger is a Professor of Finance at the University of West Florida. He received his Ph.D. in finance from Florida State University, his M.S. from Florida State University, and undergraduate degrees from the University of Florida. He has published 25 articles in financial academic journals, including outlets recognized worldwide such as Financial Analysts Journal, Journal of Corporate Finance, Journal of Financial Research, and Applied Economics. Dr. Krieger currently teaches managerial finance and security analysis/portfolio management at UWF. Dr. Krieger has received both UWF’s Faculty Excellence in Teaching Award and its Award for Distinguished Creative and Scholarly Activities. He began service as an Associate Volunteer at Pen Air in 2018 and joined its Supervisory Committee in 2019.

Chery Howard, Supervisory Committee

Cheryl Howard

Dr. Cheryl Howard is the Chief Operating Officer at the African American Heritage Society, Inc. (“AAHS” and/or “the Society”), which is an Arts and Cultural, Diversity Consulting and Cultural Tourism organization in Pensacola, Florida. Cheryl is also a co-founder of the Society which was organized and incorporated September 12, 1990, twenty-nine years ago. Prior to working more closely with her non-profit organization, Cheryl practiced law for 32 years working in many sectors including corporate for many years at Bloomberg, L.P. where she managed both the Legal Profiles and Pacific Rim Groups. Cheryl is a 26-year member of the Junior League of Pensacola.