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Our Mission, History and People

Mission Statement

The Big Spring Education Employees Federal Credit Union was organized in 1955 to provide its members with a safe, convenient place to save. and a source of low-cost credit when needed. Improving current services and providing new ones for our members is our goal. Our ability to provide these expanded services requires that each of us perform our duties cheerfully, faithfully and conscientiously. The Board of Directors, management and our members (who are actually our employers) expect it.

Man with a little girl on his shoulders with a blue sky background

Service Area

Our service area includes the following counties in Texas:

  • Howard
  • Mitchell
  • Glasscock
  • Borden
  • Martin
  • Sterling
  • Reagan
Texas flag blowing in the wind

Credit Unions

Definition and history of credit unions

What is a credit union?

A credit union is a cooperative financial institution, owned and controlled by the members who use its services. Credit unions serve groups that share a common bond, such as where they work, live or go to church. Credit unions are also not-for-profit and exist to provide a safe, convenient place for members to save money and to get loans and other financial services at reasonable rates.

In credit unions, the members are the owners. Benefits of ownership include better rates on deposits and loans and better service. Regardless of their size or field of membership, credit unions are different than for-profit financial institutions. Credit unions exist to serve their members. Banks and other financial institutions exist to make money for their stockholders.

From the World Organization of Credit Unions 
Coins sitting on top of hundard dollar bills spread out

History of Credit Unions

The credit union idea was born more than a century ago in the heart of Frederick William Raiffeisen, mayor of a small town in Germany. The atmosphere of its birth was famine among farmers. Debt of epidemic proportions and unscrupulous money lenders were taking all that the farmers owned. Deeply troubled by the suffering of his people, Raiffeisen appealed to wealthy citizens for aid, but their help was inadequate. This was the time for the dawn of a new idea and it came to Raiffeisen in these troubled times – an idea that people could surmount this common problem of poverty by pooling their own meager savings and lending them to each other at a low rate of interest. This was the credit union idea.

Old bank building with six clumns in front


The people behind BSTCU

Big Spring Location

  • Ashley Fowlkes,CEO
  • Lindsey Harley,VP
  • Debbie House,Collections
  • Veronica Schroyer,Loan Officer
  • Destiny Hernandes,Loan Officer
  • JoAnna Lozano,Member Services Representative
  • Juan Flore,Teller
  • Katie Wilson,Teller
  • Alicia Ortiz,Teller

Colorado City Location

  • Sarena Potter,Branch Manager
  • Kina Cantu,Loan Officer
  • Jason Vidal,Teller
  • Braci Kamer,Teller

Board of Directors

  • Pam Walker,Chairman
  • Johnny Deleon,Vice Chairman
  • Peggy Skiles,Secretary/Treasurer
  • James McFarland,Member
  • Linda Conway,Member
  • Amber Buske,Member
  • Melissa Tarbet,Member

Supervisor Committee

  • Johnny Deleon,Chairman
  • Jason Mims,Member
  • Shawna Dobbs,Member
  • Jill Willbanks,Member

Approved Loan Officers

  • Kina Cantu
  • Veronica Schroyer
  • Destiny Hernandez

Credit Committee

  • Peggy Skiles,Chairman
  • Bill Schaffner,Secretary
  • JoAnn Loudamy,Member
  • Amber Buske,Alternate