Our Official Family

Board of Directors

  • Vickie Kalmbach, Chair
  • Barb Summers, Vice Chair
  • Jim Bischoff, Treasurer
  • Jim French, Secretary
  • Gary Pedersen
  • Ed Roginski 

Supervisory Committee

  • Frank Plume, Chair
  • Dick Pedersen, Vice Chair
  • Fred Shippy
  • Brenda Ensing


Our Management Team

  • Jacci Pothoof, President/CEO
  • Don Lingerfelt, CFO
  • Tammy Schwalm, Director of Operations & HR Solutions


To contact any members of the Board or Supervisory Committee, please write to:

ATTN: Board/Supervisory
P.O. Box 817
Houghton Lake, MI 48629

To contact our Management Team, please call (989) 910-5135 Option 2 ext 5119.

NCACU - Bauer 5-Star Rating

Bauer Financial, Inc. has been analyzing and reporting on the financial condition of the nation’s banking industry since 1983. With our help, countless depositors successfully navigated their way through the savings and loan crisis of the ’80s when others lost billions of dollars in uninsured deposits. Through the years Bauer Financial has earned the reputation of “the nation’s bank rating service”. Now, more than a quarter of a century later, hundreds of newspapers depend on our ratings for their readers. Over the years, federal and state regulators have referred thousands of inquirers to Bauer.