Our Leadership

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Executive Management

Kenneth W. Kramer – President/CEO


Ken joined USSFCU as the President/CEO in 2016 and brings more than 35 years of wide-ranging management and financial services experience to USSFCU. Within the credit union domain, Ken has worked at Wescom Credit Union in Pasadena, CA ($3.5 billion in assets) and University & State Employees (USE) Credit Union in San Diego, CA ($850 million in assets), serving in both capacities as SVP/CFO.   

Previously, he worked with public accounting firm Ernst & Young in Chicago, IL; Cleveland, OH; and Los Angeles, CA. While with the firm, he acquired valuable experience primarily serving financial institutions. After working with Ernst & Young, but prior to his credit union industry experience, he gained additional financial management experience as SVP/CFO of companies in the entertainment industry.

Mike Sisk – Chief Operating Officer


Mike joined USSFCU in March 2017 as the Chief Operating Officer. Mike has over 27 years of executive leadership experience in the credit union industry with both the United Nations FCU ($4.5 billion) and Sharonview FCU ($1.3 billion). Prior to finding his niche in the credit union industry, Mike spent years developing his consumer lending skills with several large regional and national banks in North Carolina.

In his spare time, Mike enjoys spending time with his family, watching sports, and playing golf. He follows the NC State Wolfpack, Atlanta Braves and Green Bay Packers.

Kathy Dalfrey – SVP/Chief Financial Officer


Kathy joined USSFCU as Senior Vice President and Chief Financial Officer in April 2018. Kathy is a seasoned financial and credit union executive, with over 25 years of relevant experience, including her last eight (8) years at Transportation Federal Credit Union. Kathy brings a wide-range of accounting and lending expertise to USSFCU and holds an MBA in Accounting and Finance from The George Washington University School of Business.

In her spare time, Kathy enjoys spending time with her family and pups, dedicating time to animal rescue, and scuba diving!

Board Members

Christopher D. Shunk – Chairman

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  • Member since 1974
  • Member of the Board of Directors from 1991-2002; 2008 to present; Chairman of the Board from 2014 to present
  • Served as Treasurer, Volunteer and Chairman on the following committees: Asset/Liability Management, Credit, Loan Policy, Nominating and Supervisory
  • U.S. Senate Disbursing Office; Committee on Rules & Administration; 1974-1977 and 1981 to 2013
  • A.A. – Prince George's Community College; B.B.A. – The George Washington University; M.R.E. – Abilene Christian University

Margaret P. (Margo) Rushing - Vice Chair


  • Member since 1973
  • Member of the Board of Directors since 2005
  • Currently serving on the Executive Committee
  • Served as Chairman of the Nominating Committee
  • Served as volunteer on the Asset/Liability Management Committee (ALCO)
  • Served for over 33 years in the following Senatorial offices; Deputy Chief of Staff for Senator Conrad Burns, Administrative Director for Senator Chic Hecht, Office Manager for Senator S. I. Hayakawa and Legislative Secretary for Senator James Buckley
  • Chaired the U.S. Senate Republican Office Managers/Administrative Directors/Chief Clerks Chaired Joint Meetings for Republican and Democratic Administrative Directors Chaired the Senate Steering Committee
  • A.S. Business Administration, University of South Carolina Georgetown Senior Executive Leadership Program graduate

Christopher C. Dey - Secretary/Treasurer

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  • Member of the Board of Directors since 2002
  • Board Treasurer
  • Served as Chairman, Vice Chairman and Treasurer of the Board
  • Served as Chairman of the Supervisory and Nominating Committees
  • Served as Volunteer on Asset/Liability Management, Supervisory and Nominating Committees
  • Served as Chief Financial Officer for the Office of the Sergeant at Arms of the United States Senate for over twenty-five years
  • Georgetown University (B.S.B.A.) and New York University (M.B.A.)

Ileana Garcia, CPA - Director

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  • Member since 1997
  • USSFCU Secretary/Treasurer (2009 – 2015)
  • Past Chairman of the United States Senate Federal Credit Union Supervisory Committee (2003-2006)
  • Financial Clerk of the U.S. Senate
  • Internal audit experience with a Fortune 500 company
  • External audit experience for a Public Accounting Firm
  • B.S. degree in Business Administration

Judy Rainey - Director


  • USSFCU member since 1972
  • Serves as Director of National and Legislative Affairs for Cribs For Kids
  • Member of the USSFCU Board of Directors since 2002; served as Chair and Vice-Chair
  • Former Deputy Chief of Staff for Senator Frank Lautenberg
  • Worked as Director of Administration for Senators Thomas R. Carper and J. Robert Kerrey
  • Coordinated the U.S. Senate Democratic Office Managers Group
  • Founder and coordinator of the U.S. Senate Joint Steering Committee
  • Founding member, and former board president, of the Senate Employees Child Care Center

Timothy Anderson - Director


  • CEO at the Government Printing Office Federal Credit Union
  • A former member of management at the United States Senate Federal Credit Union
  • Chairman of the Board of Directors for the African American Credit Union Coalition (AACUC)
  • Member of the Board of Directors and former Chairman at the United States Senate Federal Credit Union
  • Former Chairman of the Board of two Credit Union CUSOs, Credit Union Strategic Services (CU$$) and Credit Union Strategic Partners (both owned by the United States Senate Federal Credit Union, focusing on business loan participations and business loan originations, respectively)   
  • Member of the Board of Directors at the Transportation Federal Credit Union
  • Chairman of the Strategic Planning Committee at the Transportation Federal Credit Union
  • Former Vice President and COO at American Spirit Federal Credit Union, Vice President and COO at the Treasury Department Federal Credit Union, Vice President of Operations at Equitable and Independence Banks, Assistant Vice President and Financial Center Manager at BB&T and M&T banks
  • Holds an M.B.A. from the University of Maryland, University College
  • Serves as an Adjunct Professor at the University of Maryland, University College teaching in the Finance and Economics Department

Bertie Bowman - Director

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  • Served as a member of the Credit Committee in 1966, Served as Chairman for 6 years
  • Served as a Board Member of the Credit Union since 1975, and served consecutively for 42 years
  • Served as Chairman of the Board for two terms
  • Served as Co-Chair of Assets/Liability Management Committee
  • Served as Chairman of the Credit, Personnel and Supervisory Committees
  • Served as Co-Chairman of the By-Laws Committee
  • Currently President of his own business
  • Current Position: Hearing Coordinator, Senate Foreign Relations Committee

Anthony J. "Tony" Zagami - Director

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  • USSFCU member since 1967, when beginning career as a U.S. Senate Page
  • Former Chair of USSFCU and also served on Personnel, Supervisory, and ALCO Committees as well as CUSS Credit Union Service Organization
  • Former Director and Chairman of the Board of the GPO Federal Credit Union
  • Retired General Counsel Emeritus for the USGPO
  • Served on the USSFCU Board of Directors in various capacities since 1986
  • Former member of Board of Directors of the CUNA DC Credit Union League
  • Started as a United State Senate Page, and subsequently served with the Secretary of the Senate, Senate Sergeant-at-Arms, Architect of the Capitol, and various Congressional Committees
  • Graduate of the University of Maryland School of Business and Public Administration (B.S.), and the George Mason University School of Law (J.D.)

Penelope A. Gross - Recording Secretary


  • Serving in current position since May 1985
  • Fairfax County Board of Supervisors, representing Mason District (1996 to present)
  • Executive Assistant to Congressman Mike Kopetski (D-OR) 1991-94
  • Consultant to the Democratic National Committee,1986- 88
  • Staff Assistant to Senator Frank Church (D-ID) 1969-84
  • Staff Assistant to Senator Wayne Morse (D-OR) 1965-68
  • B.S. in Political Science, University of Oregon, 1965

Tom Wacker - Director

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• USSFCU member since 1983

• Appointed member of the USSFCU Board since January 1, 2018

• Volunteer member of the USSFCU Asset/Liability Management Committee since 2005

• Chair of the USSFCU Asset/Liability Management Committee since 2008

• Legislative staff member for three former U.S. Senators

• Advocacy and government/public relations professional

• Virginia real estate salesperson licensee

• B.S. in Public Administration & Political Science, Wayne State College