2025 Annual Report
Maps Credit Union has been member-owned since 1935. Your trust keeps us strong and allows us to reinvest in our people, members, and community.
A Message from Our CEO
“Over the years, we’ve evolved in name, size, and services,” says Maps CEO Mark Zook. “But our mission has remained steadfast: to be that reliable place where neighbors can borrow and save alongside one another in a not-for-profit, fully insured manner.”
In short, Every Member Benefits.
Celebrating a Career of Service
Joe Phillippay, Maps Board 1995-2025
This year, we honor the retirement of longtime board director Joe Phillippay, whose steady leadership and commitment have helped shape Maps Credit Union for three decades. Joe joined the Board of Directors in 1995 and served as chair from 2004 to 2021, helping guide the credit union through a period of tremendous growth and change. He also shared his expertise on the Maps Insurance Services, LLC Board of Managers.
Before his retirement in 2001, Joe built a distinguished career that spanned more than three decades. He founded and operated Phillippay & Co. in Salem from 1970 to 1988, later serving as senior vice president for Sedgwick, Inc., and as vice president/account executive for Acordia/Wells Fargo. He earned his bachelor’s degree from the University of Oregon, held a Certified Insurance Counselor designation, and contributed to national conversations on insurance through Inc. magazine’s panel of experts.
Joe’s dedication to community service has been just as impactful. Over the years, he has given his time and leadership to the Chemeketa Community College budget committee, the Salem Chamber of Commerce, the Assistance League of Salem, Illahe Hills Country Club, the Salem Family YMCA, and various youth groups. He and his wife Kris, a retired teacher, became Maps members in 1978 and have been a part of our story ever since.
As Joe steps down from the board, we celebrate his decades of dedication and thank him for helping make Maps what it is today. His legacy of leadership will continue to inspire us well into the future.
Your Board of Directors
Judy Beebe
Director
Christy Perry
Director
Rich Goward
Director
Travis Young
Vice Chair
Jeff Antrican
Director
Kathy Moore
Director
Tom Marks
Director
Our Humble Beginnings
The Maps Credit Union we know and love began humbly in 1935, in the midst of the Great Depression. Back then, 17 Salem school employees contributed $5 each, pooling their funds to create a cooperative safety net at a time when commercial banks were failing and household budgets were stretched thin. Those early members couldn’t have known the impact their efforts would have almost a century later, but they made a statement that day: that people could look after one another when larger systems fell short.
Logo circa 1960s-70s
One of the earliest Maps logos features hands lifting a globe with a family inside, topped by the letters M, P, and T for Marion, Polk, and Teachers.
Logo circa 1980s-90s
The iconic schoolhouse logo that carried Maps through the 1980s and 1990s, and honored our connection to schools and teachers.
2011 – Now
Like a destination marker on a map, our current logo nods to our past while reflecting direction and purpose—symbolizing how Maps Credit Union helps members navigate their goals.
Decades of Dedication, Powered by People
This year, we’re proud to celebrate our five most tenured employees. Because it’s not just a job—it’s a place to grow and belong.
Deanna Wells, 39 Years
Core System Administrator
Deanna (seen here in 1987) has been part of Maps for almost four decades, shining in both frontline retail roles and in the complex world of core systems administration. Along the way, she has guided members through financial milestones and mentored countless team members behind the scenes. Her steady presence and deep knowledge have made her a cornerstone of the Maps family.
“There are many things that I treasure about working with Deanna,” says Joe Crowe, AVP of IT Infrastructure. “The most evident one is that she truly cares for people. She is the first to celebrate successes or offer condolences.”
“It’s been an incredible journey being part of Maps for over 39 years,” says Wells. “I’ve had the opportunity to grow through many roles and responsibilities, and I’m truly grateful for the experiences and relationships built along the way. While recent times have felt overwhelming, I remain proud to have contributed to an organization that has meant so much to me and to our community.”
Toni Silbernagel, 33 Years
EVP & CHief Revenue Officer
Throughout her 33-year tenure at Maps, Toni has played a pivotal role in shaping the credit union’s growth. From her early days in lending to her current role as EVP & Chief Revenue Officer, she has consistently combined sharp business insight with a deep commitment to growth, innovation, and long-term financial sustainability. Toni is known for her candor, her humor, and her ability to mentor future leaders while keeping Maps focused on its mission. Her colleagues describe her as both a strategic thinker and a trusted teammate, someone who can be relied upon to make smart, informed decisions.
“Toni is direct and honest (sometimes hilariously so),” says Chief Operating Officer Rachel Pross. “I love working with her because I know without a shadow of a doubt that Toni always wants what’s best for Maps. She’s smart and dedicated, and we’re lucky to have her.”
Mark Zook, 33 Years
President & CEO
Mark Zook (seen here in 2000) started his career at Maps as a data analyst, but his sharp mind and natural ability to connect with people quickly propelled him into leadership roles. Over the years, he has guided the credit union through growth, innovation, and change, all while keeping members and the community at the center of every decision.
“When I interviewed Mark more than 30 years ago, it was immediately clear to me that he was exceptionally bright,” says Cathy Grimes, VP of Marketing. “I knew then that if he chose a career at the credit union, he wouldn’t be working for me for very long. He has that rare combination of being an excellent communicator, highly analytical, and at the same time a genuinely kind and authentic human being.”
Frances Kaufmann, 33 Years
AVP of Payment Services
Frances Kaufmann (seen here in 2013) is like a stage manager behind the curtain, leading her team to keep everything involved with payment methods running smoothly and ensures that all members’ money is safe and easily accessible. “Being part of Maps for over three decades has been a journey filled with growth, challenges, and meaningful connections,” says Kaufmann. “I’m proud of the work I’ve done and the people I’ve worked alongside.”
“Working with Frances has been such an incredible and invaluable experience,” says Tiana Barrett, Payment Services Assistant Manager. “She sparks innovative thinking, challenges you to grow, and always leads with integrity—doing what’s right, even when it’s hard. Her sense of humor and down-to-earth nature make her genuinely enjoyable to work with, and her support for women is both empowering and inspiring. She lifts others up, encourages bold ideas, and creates a space where people feel valued and motivated. Anyone would be lucky to have her as their boss.”
Edna Dvorak, 31 Years
Payment Services Officer
For three decades, Edna (seen here in 2008) has been a steady presence in Maps’ Payment Services team, where her expertise in ACH processing ensures that members’ transactions move quickly and securely. Her behind-the-scenes work keeps essential systems running with accuracy and care, making life easier for both members and coworkers. “I’ve truly valued my time at Maps and am grateful for the journey,” says Dvorak. “Since moving from the Philippines in 1993, it has been my only employer and has always felt like home. It has been a privilege to contribute to an organization that has played such a significant role in my personal and professional journey.”
“Edna is one of our ACH experts,” says Payment Services Officer Jessica Wheeler. “She’s always happy to help, she works hard, and she loves a challenge. She’s also a talented photographer, knows how to make beautiful floral arrangements, and hands down, cooks the BEST lumpia and noodles!!! We love her!”
Frequently asked Questions
What is the purpose of the Annual Report?
Our annual report is a yearly summary of Maps Credit Union’s financial health, community impact, and milestones. It’s designed to keep members informed about how their credit union is performing.
How does the Annual Report affect me as a member?
The Annual Report shows you how your credit union is managing resources, reinvesting in the community, and planning for the future.
How is the Board of Directors elected?
Maps members elect the Board of Directors in a democratic process—one member, one vote. Candidates are nominated by the Nominating Committee or may apply to run, and members 18 and older are eligible to vote during the annual election period.