America First Credit Union Executive and Leadership Team

Martha Ramos, the Chief Executive Officer at America First Credit Union, directs the overarching strategic vision for the organization. Overseeing the alignment of member services with federal banking regulations, the Chief Executive Officer ensures the institution maintains a competitive edge in the digital finance landscape. This leadership role involves constant collaboration with the Board to refine long-term growth objectives and expand market reach across the United States. By prioritizing technological integration within online banking and mobile platforms, Martha Ramos drives operational excellence and enhances the overall member experience. The Chief Executive Officer monitors industry trends to anticipate shifts in consumer demand, ensuring the credit union remains a leader in providing accessible business loans and savings accounts. Through rigorous oversight of organizational performance, the Chief Executive Officer secures the financial health of the institution while fostering a culture of innovation and member-centric service delivery.

Melissa Key, the Chief Financial Officer at America First Credit Union, manages the fiscal integrity and capital allocation strategies of the organization. Overseeing the balance sheet and investment portfolios, the Chief Financial Officer ensures the credit union maintains sufficient liquidity to support diverse business loan offerings and savings products. This leadership role requires precise risk assessment and the implementation of robust financial controls to protect member assets. By analyzing market volatility and economic indicators, Melissa Key optimizes the capital structure to support sustainable growth. The Chief Financial Officer collaborates with executive leadership to forecast revenue streams and manage operational expenses effectively. Through the development of comprehensive financial reporting systems, the Chief Financial Officer provides transparency to stakeholders and regulatory bodies. Maintaining fiscal discipline remains the primary focus, ensuring the institution continues to provide reliable debit card services and competitive interest rates for members nationwide.

Edna Hernandez, the President at America First Credit Union, manages daily operations and executes the tactical initiatives defined by the executive team. Overseeing the delivery of member services and the administration of business loan programs, the President ensures consistent quality across all branches and digital channels. This leadership role involves coordinating cross-departmental efforts to streamline workflows and improve service efficiency. By fostering strong relationships with community partners, Edna Hernandez expands the reach of the credit union and strengthens the brand presence in regional markets. The President monitors performance metrics to ensure operational targets align with the broader organizational mission. Through the implementation of standardized service protocols, the President enhances the member experience and drives customer retention. Edna Hernandez maintains a focus on operational agility, ensuring the credit union adapts quickly to changing market conditions while delivering exceptional value through savings accounts and comprehensive financial support.

Scott Ellis, the Executive Vice President & Chief Information Officer at America First Credit Union, architects the digital infrastructure supporting all banking operations. Overseeing the security of mobile banking platforms and online transaction systems, the Executive Vice President & Chief Information Officer ensures seamless access for members across the United States. This leadership role involves managing complex data networks and implementing advanced cybersecurity protocols to safeguard sensitive financial information. By integrating cutting-edge software solutions, Scott Ellis drives the modernization of internal banking processes and enhances the efficiency of debit card processing systems. The Executive Vice President & Chief Information Officer collaborates with the technology team to scale digital capabilities in response to evolving consumer needs. Through the continuous improvement of information systems, the Executive Vice President & Chief Information Officer supports the broader mission of providing secure, reliable, and user-friendly financial tools to the entire membership base.