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It's Your Credit Union, Help Decide Who Runs It!

As a member/owner of First Financial Credit Union your vote is an important part of the credit union democratic process and we need your help to find the best candidates! VOTING IS NOW OPEN through August 1st. Please take a few minutes to review the (7) candidates below who are running to fill one of (3) open positions.  

2020 B.O.D Candidates


Loretta Montoya - Incumbent

FFCU Member for 29 years and has served on the Board since 2008. Loretta is the past Chair of the Board of Directors and currently serves as Secretary/Treasurer, with a total of 12 years of credit union governance experience. In her professional career, Loretta worked as the Comptroller and financial leader of a large public college, overseeing budget, accounting, payroll and investment functions. She has 32 years of leadership, finance, project and strategic planning experience. Additionally for the past 10 years, Loretta has taught college level courses, primarily in financial literacy. Loretta holds a Doctorate in Educational Administration, a Masters of Public Administration and a Bachelor’s degree in Accounting.

Why are you seeking election to the Board of Directors?

As a member of the FFCU Board of Directors, I am committed to ensuring the strong, safe, responsible and ethical governance of the credit union. Directors have the opportunity to share their busines experience and management/leadership skills— in a team effort with the Board Chair and the President/CEO. Representing our credit union's membership has been very fulfilling, and I would appreciate the opportunity to continuing serving in this role.

What do you feel is the most important duty of a director?

The Board of Directors represents the membership and provides direction to the President/CEO and management team of the credit union. The Directors set the strategic direction, goals, and policies of the organization, while ensuring the financial stability and viability of the credit union in a competitive marketplace. Most importantly, the Board of Director ensures the credit union meets members' needs in a manner that is safe, sound and complies with regulations.

Iva Curley

My name is Iva Curley. I am a member of the Navajo Tribe and currently reside in Albuquerque, NM. I have three beautiful children, a son in law and a beautiful granddaughter, Jaylean Guerra, my pride and joy and a future credit union member. My parents have been credit union members for a long time, they introduced me to it. Today many of my extended family and relatives are credit union members as well. I'm currently a Human Resource Manager/Payroll Coordinator for a non-profit  organization. I possess a Bachelor's Degree in Business Administration & Management and working towards my MBA degree. In addition, I also have various types of work experience in Education, Sales, Supervisory, Management, Human Resources and Accounting. With my credentials and work experience I know I can make a difference using my skills, knowledge, talents, ideas, recommendations and offer advice to the team to help enhance credit union member services and programs. I have been a credit union member for numerous years and enjoyed the various types of services and programs they offer. I have no regret eve becoming a member, in fact, it’s probably the best move I ever made financially for me and my family. I urge you to sign up and become members and enjoy all it has to offer in services and programs as well.

Why are you seeking election to the Board of Directors?

I would like my voice to be heard as a credit union member and I am representing all my Native people who currently are and may want to become future Credit Union members. It is important that all our credit union member's needs are met whether it's answering their questions or providing them services. I feel that every member should be treated with respect, provided quality services and treated equally. As a Board of Director, I will ensure we listen to our members because our members are who keeps us in business and we are here for them.

What do you feel is the most important duty of a director?

Being dedicated, committed and sharing updated changes with members so they are made aware. Keeping up to date on any credit union changes (i.e., Fees, all types of services, hours of operation, etc.). Educating members, sharing and offering programs and enforcing the policy. Listen to our members and make a difference in their lives knowing we care about them.

Michelle Durham

Michelle Durham is a Native New Mexican. She works as a HR Assistant with the USDA Forest Service and a Sales Manager at Luz Solar. As an Artist, she founded Sacred Beauty Creations, Inc. to express herself creatively through photography and
video. Michelle has a diverse background working in Higher Education, Law, and Medicine at the University of New Mexico. She taught Elementary through High School students at the Native American Community Academy, is a Lifelong volunteer in our community and AmeriCorps Alumni. Michelle has a Bachelor’s Degree in Liberal Arts and Electronics Technology Certificate. Michelle’s hometown is Albuquerque; she comes from a very large family deeply rooted in New Mexico and is very proud of our unique, diverse, and rich culture. Her family has a long history of activism and has many artists who work in different mediums. She has four children and participates actively in local cultural events as her schedule permits. She has played sports competitively and for fun. Baseball, Basketball, Bowling and Golf are her favorites. She has a passion for performing arts and music. She loves to travel all over New Mexico to camp, hike, and fish.

Why are you seeking election to the Board of Directors?

I am excited about the opportunity to engage and serve my community to ensure there are affordable financing opportunities provided to invest in a money wise community. Working as a Volunteer in our community with at risk youth and our most vulnerable community members taught me that financial health is the foundation for stability. I welcome the chance to help provide ongoing Financial Literacy classes in a variety of formats to meet the ever-changing needs of our Community. I am passionately committed to collaboratively developing innovative financial health solutions with our community.

What do you feel is the most important duty of a director?

The most important duty of a member of the Board of Directors is to listen to the needs of the membership and community, voice their needs and concerns to the Board, and work collaboratively to develop solutions.

Jennifer Gibbs

Jennifer is the CEO of Elevate Cohesion, LLC, a management consultant company. Currently, she is the Interim CFO at a local healthcare company. Ms. Gibbs holds a Masters degree in Healthcare Administration with a concentration in gerontology. For more than 20 years Jennifer has been serving the community through her work in healthcare and business development. Jennifer has volunteered on other non-profit boards including Endorphin Power Company and Hands Across Time. Jennifer grew up in Western Kansas and moved to New Mexico in 2001. In her spare time she enjoys spending time with
friends and family, traveling, and creating a master plan to take over the world.

Why are you seeking election to the Board of Directors?

I’m seeking election to the Board of Directors because I think it’s a high quality organization that makes decisions with the best interests of its members. Since financial literacy is something I am passionate about I thought FFCU would be a place to serve.

What do you feel is the most important duty of a director?

I feel like the most important duty of a Director is to represent the members while making practical valuable decisions for the good of the organization.

Dave Jensen

A veteran of the United States Air Force, Dave attended the Terra Technical College where he was trained in the refrigeration, heating, ventilation, air conditioning and electrical work, all critical infrastructural services. Over the years Dave has gained immense technical experience and expertise in these complex, ever-evolving and specialized technological fields. Later Dave returned to school at The University of Phoenix where he majored in Business Management as an adjunct to support his management interests in the HVAC profession. His vast knowledge of the industry brought him to management roles in such esteemed companies as, Integrated Controls, Goodman Distribution, the RE Michel Company and Baker Distributing. As a highly regarded and sought-after industry expert, Dave has instructed aspiring technicians at both Central New Mexico Community College beginning in 2002 and more recently at the Associated Builders and Contractors of New Mexico. Dave’s resume includes a long list of professional certifications and volunteer positions including being a member of the American Society of Heating, Refrigerating, and Air-Conditioning Engineers (ASHRAE), Carrier Advanced Technical Development Program, CNM’s Advisory Committee for HVAC, Skills USA Chairperson for CNM, and chair of the Church of the Incarnation Building Committee in Rio Rancho, NM, among many other accreditations. Dave joined the Facility Manager Association of New Mexico in 1998 where his business acumen was put to use in the role of treasurer, a role which he retains today. Dave and his wife Jacie have two grown daughters and four grandchildren and have lived in New Mexico for past 27 years.

Why are you seeking election to the Board of Directors?

I would like to see credit unions continue to grow and serve the community and help grow small businesses locally.

What do you feel is the most important duty of a director?

Working as a team player and finding solutions that will benefit all and meeting the goals of the boards objectives.

Mary Ann Montoya

Mary Ann received a Business Degree from Browning Business School in 1963, with emphasis on Business Accounting, and Marketing. She also attended The University of New Mexico for a non-degree in Master of Public Administration. Mary
Ann worked mostly in customer service, and administrative positions. She is currently retired and enjoys photography.

Why are you seeking election to the Board of Directors?

I am seeking the position of a Board Member because: Many of us are old enough to remember the days when $50 filled
5 even 6 grocery bags. Or you could buy a car for under $10,000 and pay it off in years. Those were the "good ole days". The recent "COVID 19" event has really brought home the message of how desperately we all need to have a strong cushion of
emergency funds when unforeseen events happen. Working singles, young families, and all working adults really need financial institutions that have developed "saving tools and loan tools" that attract members, and fill the needs for Credit Union Members where banks have failed.

What do you feel is the most important duty of a director?

Directors need to inform themselves in every area of financial services that will benefit all their members, directors with a vision for "today and the tomorrows". A director should take the position serious not just because it may look good on your resume. But because you care and believe your time will benefit those that matter most THE MEMBERS.

Bryan Trevino

Bryan Trevino has been a dedicated member of the New Mexican community for over 12 years. During his time in the state, he has spent 10 years as a laboratory professional, obtained his Bachelor’s degree from the University of New Mexico, as well as held positions as a clinical lab assistant, medical review officer assistant, and most recently client engagement representative. He has developed communication, problem solving, and relationship building skills that are essential for success. He hopes to obtain a graduate degree in the future while continuing to build his career. On the weekends he can be found taking a motorcycle ride to the crest or improving his lap times at the local track with the group SMRI.

Why are you seeking election to the Board of Directors?

Picking the right institution is crucial for the success of the goals for many New Mexicans. Being part of the board will allow me to aid the credit union to become an intuitive competitor with members as we continue to promote fraud protection and growth by use of low interest rates. This would directly impact the community.

What do you feel is the most important duty of a director?

They implement the credit union’s mission, vision, and goals. The most important duty of a director is to lead by example, work closely with upper leadership, and guide the institution into the future.



The Election will be held July 1, 2020 until August 1, 2020. All votes must be received by 11:59 p.m. on August 1, 2020. Each primary credit union member in good standing age 18 or older, is entitled to vote. This year we have (7) candidates, (3) positions available. Please vote for up to (3) candidates on a single ballot. Only (1) ballot per member can be submitted.

Whether voting online or by phone, you will be asked for your Member Number (FFCU Account Number) and the last four digits of your social security number. Voting is available 24 hours a day, seven days a week. If you are voting by paper ballot you will need to provide your Member Number (FFCU Account Number) and sign the ballot before placing it in the prepaid business return envelope. 


Vote Now  or visit a branch lobby Tech Bar computer. 

  1. Review the brief instructions and click on “Begin Voting” button to get started. Candidate bios are available for review before you begin to vote.
  2. Enter your Member Number and last four digits of your social security number.
  3. Follow the easy step-by-step instructions. 


  1. Dial 888-735-6842 (toll free).
  2. You can vote immediately by pressing 1. If you prefer to vote by paper ballot, and you did not receive one in your mailed statement press 2, and a paper ballot will be mailed to you.
  3. Enter your Member Number and last four digits of your social security number using the numeric keypad on your touchtone phone.
  4. Follow the easy step-by-step instructions. 

If you have any questions or concerns about voting please contact us at (505)766-5600 or 800)342-8298. 

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