Celebrating Over 85 Years of Service to Our Membership!
Founded in 1940, Pantex Federal Credit Union began with a simple, but powerful mission: to provide reliable, community-focused financial services for local families. More than 85 years later, that mission continues—stronger than ever.
As a cooperative financial institution, Pantex FCU is owned by the very people we serve. Our members aren’t just account holders—they are stakeholders. Guided by a volunteer Board of Directors elected by the membership, we operate with one purpose: to put members first.
Unlike traditional financial institutions, earnings at Pantex FCU are reinvested directly back into the membership through lower fees, higher savings rates, and competitive loan rates. This cooperative model has been the foundation of our success for more than eight decades.
From our earliest days to today, Pantex FCU has grown alongside the community. While our services have expanded to meet evolving financial needs, our roots remain firmly planted in Hutchinson County, serving the communities where our members live and work.
Loan decisions are made locally at each branch by knowledgeable, caring employees, your friends and neighbors, who understand the unique needs of our community. Our team is committed to thoughtful service and responsible decision-making, ensuring the long-term strength of the credit union and the well-being of our members.
At Pantex FCU, we are more than a financial institution we are an active and invested part of the community.
For more than 85 years, Pantex Federal Credit Union has been a trusted provider of comprehensive financial services, including checking and savings accounts, CDs, IRAs, and loans for homes, vehicles, and personal needs.
What truly sets Pantex FCU apart is that loan decisions, processing, and account servicing are all handled locally, right here in our community. This deep local presence has earned the trust of generations of members and distinguishes us from out-of-town institutions with only a local footprint.
Local trust is reflected in our recognition by the Borger News-Herald as the “Best Financial Institution” in its annual Best of the Best program—an honor driven by member confidence and satisfaction.
Pantex FCU’s financial strength is consistently validated by independent industry leaders. BauerFinancial, a nationally respected financial institution rating firm, has awarded Pantex FCU its prestigious five-star rating and “Best of Bauer” designation for 122 consecutive quarters—representing over 30 years of continuous excellence.
For more than 85 years, Pantex Federal Credit Union has remained committed to one simple promise: serving our members with integrity, strength, and local care—today and for generations to come.
Meeting Agenda
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Board of Directors
Harvey Hilbert
Chairman
Glynn Carlock
Vice-Chairman
Lynn Hopkins
Treasurer
Sara Ramby
Secretary
Judy Flanders
Ralph Pumphrey
C.W. Massengale
Supervisory Committee
Tina Briscoe
Chairperson
Hailey Lisle
Bruce Lemery
Jerri Aylor
Professional Staff
Curtis Hall
President/CEO
Rodney Franklin
Executive Vice President
Michael Robinson
Vice President of IT
Kim Hughes
Asst. Vice President, Teller Operations
Tanya Fraley
Asst. Vice President, Member Services
Dana Martin
Branch Manager-Fritch
Ginnie Karlin
Branch Manager-Walmart
Robert Forester
Branch Manager-Pampa/Marketing
Shannon Mears
Loan Officer
Shelby Overpeck
Loan Officer
Karen Bryan
Loan Officer
Mistee Williams
Asst. Head Teller
Mikel Cauthon
Network Administrator
Angela Perez
Imaging/Internet Banking
Carla Howard
Plastic Cards/Imaging
Lucy Spoon
Accounting Assistant
Bethany McCarty
Accounting Assistant
Ebony Jarrett
Loan Processor/Assistant
Carol Williams
Loan Processor/Assistant
Tiera Lesley
Branch Head Teller-Fritch
Kristi Snow
Branch Head Teller-WalMart
Sarah Elliott
Teller Supervisor-Pampa
Tellers
Madelyn Allen
Stevie Anderson
Tonja Brown
Amy Bustillos
Yamile Carrasco
Maranda Grimes
Tamra Hilton
Karen Hunter
Charlotte Jasper
Amanda Keeney
Daniela Perez
Robyn Rohan
Tammy Shira
Krisha Temple
Kara Tice
Rebecca Wilson
Nilzaida Wood
Mandy Wyatt
Kenny Green
Facilities
On behalf of the Pantex Federal Credit Union Board of Directors, Supervisory Committee Members, and staff, I welcome you to our 85th Annual Membership Meeting.
Thank you for choosing Pantex Federal Credit Union for your financial needs. Our annual report provides a detailed overview of our 2025 operations. As you will see, 2025 continued our positive trend of successful outcomes. I am pleased to report that Pantex Federal Credit Union has maintained a strong financial position while offering competitive interest rates to our members. This achievement is particularly noteworthy given the economic uncertainties experienced throughout the past year. Our enhancements to products and services are designed to meet the evolving needs of our membership and to provide the best possible financial experience.
We remain committed to delivering exceptional facilities and member service. Our full suite of services is available through our mobile app and home banking website, all equipped with the latest security protocols to ensure your financial safety. The staff and leadership of Pantex Federal Credit Union consistently strive to provide the highest level of service to our members.
Thank you for your membership, support, and trust in Pantex Federal Credit Union. We look forward to continuing to serve you and invite you to connect with us in person, by phone, or online for your financial needs.
Respectfully submitted,
Harvey Hilbert, Chairman of the Board
For more than 85 years, Pantex Federal Credit Union has been dedicated to helping our members achieve their financial goals. In 2025, that commitment was reflected in the strong performance of our credit union and the exceptional service provided to nearly 15,000 members.
Our employees work diligently each day to deliver a positive member experience—whether through personalized service or convenient digital tools such as online and mobile banking. Their dedication, together with the guidance and oversight of our Supervisory Committee and Board of Directors, has enabled us to maintain financial strength and build lasting trust with our members.
As we enter 2026, our focus remains clear: supporting the financial well-being of our members, investing in innovation, and continuing to serve as a trusted financial institution within the communities we call home. I am deeply grateful to our employees for their professionalism and commitment, to our Supervisory Committee and Board Members for their leadership, and to our members for the confidence they place in us.
Pantex Federal Credit Union remains dedicated to being a trusted financial partner and a positive presence in the communities we serve. Thank you for making the past year a success. I look forward to building on this momentum and continuing our shared success in the years ahead.
Respectfully submitted,
Curtis Hall, President/CEO
Mechanical Repair Coverage
Essential protection against costly repairs.
A breakdown is stressful enough without the added worry of expensive repair bills. That’s why we’re pleased to offer Mechanical Repair Coverage—helping protect you from unexpected repair costs long after your vehicle's manufacturer’s warranty ends. • Engine
Suspension • Transmission
Brake Components • Drivetrain
Treasurer's Report
As members of your volunteer Board of Directors, we have the responsibility of ensuring that the credit union maintains a solid financial foundation and operates in a safe and sound manner. 2025 was a strong year in terms of building our financial strength. Steady interest income and controlled expenses contributed to strong earnings. We are proud of our operations and remain incredibly grateful to our staff for their dedication to our members. Despite moderate inflation and higher interest rates, our team successfully navigated the year. We continue to provide excellent service and competitively priced products to our members.
We ended 2025 with over $236 million in assets, $66 million in loans, and more than $186 million in shares. After paying dividends, we were able to positively contribute to our capital account.
Financially, 2025 was a very successful year. The credit union was both profitable and efficient, ending the year with over $2.9 million in net income and a 21.5% capital ratio.
Share dividends totaled $3,012,712.38, representing a return to our membership of 23.27% of total operating income earned by the credit union in 2025.
Of the remaining income, 53.51% was used for the normal operating expenses of the credit union, and 23.22% was allocated to statutory reserves to maintain strong capital levels.
Pantex Federal Credit Union’s financial goals are simple: we strive to remain a strong, safe, and sound financial institution while ensuring a stable path for the future.
Respectfully
submitted, Lynn Hopkins, Treasurer
Loan Officers Report
The Lending Team at Pantex Federal Credit Union is committed to supporting the financial needs of its membership. Loan Officers are responsible for objectively evaluating members’ credit needs while safeguarding the interests of depositors and shareholders through prudent, safe, and sound lending practices.
During 2025, Pantex Federal Credit Union originated 1,709 loans totaling $29,855,109.31 in new loan funding. Total loans outstanding increased by 2.76% compared to the prior year.
The credit union maintained strong credit quality throughout the year, reinforcing Pantex Federal Credit Union’s position as a safe and sound financial institution.
It is a privilege to serve the membership by providing attentive, responsible, and personalized lending solutions. As we look ahead to 2026, Management remains optimistic and committed to maintaining sound underwriting standards while continuing to meet the evolving financial needs of our members.
Pantex Federal Credit Union offers a variety of consumer loan products to support members’ financial goals, including vehicle purchases, home improvements, and personal financing needs. Loan Officers remain available to assist members in making informed borrowing decisions appropriate to their individual circumstances.
Respectfully submitted, Rodney Franklin, Dana Martin, Ginnie Karlin, Robert Forester, Karen Bryan, Shannon Mears, Shelby Overpeck, Kristi Snow
Supervisory Committee Report
The Supervisory Committee, appointed annually by the Board of Directors, serves as your representative to ensure that Pantex Federal Credit Union operates safely, securely, and in compliance with all regulations.
To help fulfill this role, we work with the auditing firm Waypoint Advisory Services, Inc., to perform quarterly audits and annual reviews of key operations, including BSA/AML compliance and ACH procedures. We are pleased to report that all records and financial operations for 2025 were accurate, complete, and in balance.
The credit union is also regularly reviewed by our federal regulator, the National Credit Union Administration (NCUA). The last review in 2024 found no significant issues and confirmed that Pantex Federal Credit Union maintains strong internal controls, a solid capital position, and sound financial operations.
We want to recognize and thank the credit union staff for their efficient, courteous, and attentive service to members. Their support makes our work possible and ensures your experience at the credit union remains excellent.
Thanks to strong planning and sound practices, members can have confidence in their credit union. We look forward to another successful year and continuing to provide the high level of service you have come to expect.
Respectfully submitted,
Tina Briscoe, Chairperson, Jerri Aylor, Bruce Lemery, Hailey Lisle
Nominating Committee Report
In accordance with Pantex Federal Credit Union policy, to be nominated for a position as a Board Member or Committee Member, a person must meet certain qualifications. Candidates must possess knowledge, experience, or interest pertinent to the Credit Union’s future; have good credit standing and no criminal convictions; have been a member of the Credit Union for at least two years; be willing to accept the responsibilities of the position; be objective and independent; not be an employee of this or a competing institution; and be at least 18 years of age.
Two three-year terms are available for re-election on the Pantex FCU Board of Directors, for the term 2026–2029. The positions currently held by Ralph Pumphrey and C.W. Massengale are up for election. C.W. Massengale is running for the seat previously held by Fran Braden.
The Nominating Committee, composed of three Board members, met to discuss potential candidates and has recommended Ralph Pumphrey and C.W. Massengale for election to the Board of Directors based on their past service, knowledge, and experience.
After posting these names in the Credit Union lobby and receiving no petitions for nomination prior to the deadline, the Nominating Committee recommends that the individuals named above be accepted by the membership.
Respectfully submitted,
Lynn Hopkins, Chairperson
Sara Ramby, Judy Flanders
PERSONAL LOANS
Life happens.
We’re here to help!
Whether it’s consolidating debt, covering an unexpected expense, or funding something important to you, a personal loan from Pantex FCU will have a competitive rate, a term that fits your needs, and be processed and decisioned quickly and locally, so you can move forward with confidence.
Branch Locations & Hours
MAIN BRANCH
1300 W. Wilson
Borger, Texas
(806) 273-5692
Hours
Monday–Friday
9:00 am to 5:00 pm Drive Thru
8:00 am to 6:00 pm
FRITCH BRANCH
411 E. Broadway Fritch, Texas (806) 857-2400
Hours
Monday–Friday
9:00 am to 5:00 pm Drive Thru 8:00 am to 6:00 pm
PAMPA BRANCH
807 N. Sumner Pampa, Texas (806) 665-4212
Hours
Monday–Friday
9:00 am to 5:00 pm Drive Thru 9:00 am to 5:00 pm
WALMART BRANCH 1501 Roosevelt Borger, Texas (806) 273-5698
Hours
Monday–Friday
9:00 am to 7:00 pm
Saturday 9:00 am to 4:00 pm
