The Honorable Rodney E. Hood
President Donald J. Trump nominated Rodney E. Hood for the NCUA Board on January 19, 2019. The U.S. Senate confirmed him on March 14, 2019, and he took the oath of office on April 8, 2019, and was designated as the eleventh NCUA Chairman by President Trump.
As NCUA Board Chairman, Mr. Hood also serves as a voting member of the Financial Stability Oversight Council. He also represents the NCUA on the Federal Financial Institutions Examination Council and the Financial, Banking Information Infrastructure Committee.
Mr. Hood was previously nominated to the NCUA Board by former President George W. Bush and served from November 2005 until August 2009. He was appointed Vice Chairman, and he served as the NCUA’s representative on the board of directors of NeighborWorks America.
Immediately prior to rejoining the NCUA Board, Mr. Hood served as a corporate responsibility manager for JPMorgan Chase, managing national partnerships with non-profit organizations promoting financial inclusion and shared prosperity in underserved communities throughout the United States.
His previous experience includes serving as associate administrator of the Rural Housing Service at the U.S. Department of Agriculture. In this position, he worked to address the housing needs in rural communities and helped administer the agency’s $43 billion mortgage portfolio.
Prior to his public service, Mr. Hood served as the marketing director and group sales manager for North Carolina Mutual Life Insurance Company, national director of the Emerging Markets Group for Wells Fargo Home Mortgage, and served on the board of the Wells Fargo Housing Foundation.
In addition to his public and private sector service, Mr. Hood has served as a member of the Board of Governors for the University of North Carolina College System.
Mr. Hood holds a bachelor’s degree in business, communications, and political science from the University of North Carolina at Chapel Hill.
Chief of Staff for Chairman Hood
H. Lenwood Brooks, V
H. Lenwood Brooks, V, serves as Chief of Staff for NCUA Chairman Rodney E. Hood. He previously served the agency as Acting Chief of Staff and Director for the Office of External Affairs and Communications.
Prior to joining the agency, Mr. Brooks served as Vice President of Communications for the Securities Industry and Financial Markets Association. There, he led the association’s external affairs activities.
Mr. Brooks previously worked on Capitol Hill for Senator Roger F. Wicker (R-Miss.), where he advised Senator Wicker and counseled him during his service on the Senate Banking, Housing, and Urban Affairs Committee.
Mr. Brooks holds an undergraduate degree from the University of Mississippi in managerial finance and insurance/risk management. He holds a master’s degree in economic and workforce development from the University of Southern Mississippi. Mr. Brooks also holds a certificate from the Securities Industry Institute, an executive education program at The Wharton School of the University of Pennsylvania.
The Honorable J. Mark McWatters
NCUA Board Member J. Mark McWatters has served on the NCUA Board since August 26, 2014. He previously served as the NCUA's tenth Board Chairman from June 23, 2017 to April 8, 2019.
The NCUA undertook a number of initiatives during his tenure as Chairman, the most significant being the closure of the Temporary Corporate Credit Union Stabilization Fund prior to its scheduled expiration in 2021 and the transfer of its assets to the National Credit Union Share Insurance Fund. This action resulted in nearly $900 million in Share Insurance Fund dividends to eligible federally insured credit unions.
As NCUA Board Chairman, Mr. McWatters led efforts to provide greater transparency and accountability to credit union members during voluntary mergers, improve the appeals process for agency supervisory and program decisions, and implement the greater use of offsite examination and supervision. He also led the agency’s first large-scale restructuring initiative in more than a decade to meet the future demands of the credit union system and financial services landscape.
Mr. McWatters has advocated for additional legislative and regulatory changes that would expand how credit unions define their fields of membership. This includes allowing credit unions to serve communities that exist online to better reflect today’s society and to add underserved areas to their fields of membership to expand access to affordable financial services for the unserved and underserved, and those of modest means.
Mr. McWatters earned a J.D. degree from the University of Texas at Austin School of Law and LL.M. degrees from the Columbia University School of Law and New York University School of Law.
Senior Policy Advisor to Board Member McWatters
Sarah Vega serves as Senior Policy Advisor to Board Member McWatters. She previously served as Chief of Staff and Senior Policy Advisor to J. Mark McWatters during his tenure as NCUA Board Chairman. She previously served in the same capacity under NCUA Board Member Michael E. Fryzel.
Ms. Vega has an extensive background in the areas of credit union law and regulation, securities law and public policy.
Ms. Vega is a former Director of the Illinois Department of Financial Institutions, and before being named Director, she served as the Administrator of the Department’s Credit Union Division, which regulates state-chartered credit unions. She has served on the Board of Directors of the Federal Home Loan Bank Chicago and was a member of the Board of Directors of the National Association of State Credit Union Supervisors, serving as the Association’s Chairman from 1999 to 2000.
Prior to joining NCUA in 2008, she was in the private practice of law in Chicago specializing in securities, mergers and product liability cases. Her legal experience also includes being an enforcement attorney for the Securities Department of the Illinois Secretary of State.
Ms. Vega holds a bachelor’s degree in political science and a Juris Doctorate from DePaul University.
The Honorable Todd M. Harper
Todd M. Harper was nominated to serve on the NCUA Board on February 6, 2019. The U.S. Senate confirmed him on March 14, 2019, and he was sworn in as a member of the NCUA Board on April 8, 2019.
Prior to joining the NCUA Board, Mr. Harper served as director of the agency’s Office of Public and Congressional Affairs and chief policy advisor to former Chairman Debbie Matz and Rick Metsger. He is the first member of the NCUA staff to become an NCUA Board Member.
Mr. Harper previously worked for the U.S. House of Representatives as staff director for the Subcommittee on Capital Markets, Insurance, and Government-Sponsored Enterprises and as legislative director and senior legislative assistant to former Rep. Paul Kanjorski (D-Pennsylvania). In these roles, he contributed to every major financial services law from the enactment of the Gramm-Leach-Bliley Financial Services Modernization Act in 1999 through the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act in 2010.
During the Great Recession, Mr. Harper coordinated the first congressional hearing to explore the creation of a Temporary Corporate Credit Union Stabilization Fund. He also spearheaded staff efforts in the U.S. House to secure enactment of a law to lower the costs of managing both the Corporate Stabilization Fund and the National Credit Union Share Insurance Fund.
Mr. Harper holds an undergraduate degree in business analysis from Indiana University’s Kelley School of Business and a graduate degree in public policy from Harvard University’s Kennedy School of Government.
Mark A. Treichel
Mark A. Treichel is the Executive Director of the NCUA. As Executive Director, he is responsible for the day-to-day operation of the federal agency that charters and supervises the nation’s federal credit unions and insures the vast majority of credit union member deposits.
Prior to being named NCUA's Executive Director, Mr. Treichel served as the Regional Director of the then-Region I in Albany, New York. As Regional Director, he was responsible for the oversight of the chartering program for federal credit unions and the examination and supervision programs for all federally insured credit unions in Connecticut, Maine, Massachusetts, Michigan, New Hampshire, New York, Rhode Island and Vermont.
Mr. Treichel joined the NCUA as an examiner in 1986. He has also served as a Problem Case Officer, Supervisory Examiner, Director of Special Actions and Insurance, Acting Director of Risk Management in the Office of Examination and Insurance, Associate Regional Director of Operations and Deputy Executive Director. He was named to his current position in January 2013.
Mr. Treichel holds an accounting degree from the University of Minnesota Twin Cities.
Deputy Executive Director
John Kutchey is the Deputy Executive Director for the NCUA. He is responsible for overseeing the day-to-day administrative operations of the agency and other special programs within NCUA, including small credit unions and consumer protection initiatives. As Deputy Executive Director, Mr. Kutchey advises and assists the Executive Director in meeting the mission of the agency.
Prior to his appointment as Deputy, Mr. Kutchey served as the agency's Deputy Director of the Office of Examination and Insurance. Within the NCUA, he has also held positions as Director of Risk Management and then-Region II's Director of Supervision. He also served as a Supervisory Examiner, a Problem Case Officer and a Principal Examiner. Prior to joining the NCUA, he worked for various credit unions.
Mr. Kutchey graduated Magna Cum Laude from the University of Baltimore with a degree in business administration.
Acting General Counsel
Frank Kressman serves as the agency’s Acting General Counsel and leads the NCUA’s Office of General Counsel. This office’s duties include representing the agency in litigation, executing administrative actions, interpreting the Federal Credit Union Act and the NCUA’s rules and regulations, processing Freedom of Information Act requests, advising the NCUA Board and the agency on general legal matters, and maintaining the agency’s records management program. The General Counsel’s office also drafts regulations designed to ensure the continued safety and soundness of the credit union system.
Before his selection as Acting General Counsel, Mr. Kressman served as a Deputy General Counsel to the NCUA. He joined the agency in 1998 as a staff attorney. His previous experience includes work as an attorney at the Federal Deposit Insurance Corporation and the Commodity Futures Trading Commission.
Mr. Kressman holds a bachelor’s degree from Dickinson College in Carlisle, Pennsylvania, a Juris Doctor from the Gonzaga University School of Law in Spokane, Washington, and a Master of Laws degree from The American University Washington School of Law in Washington, D.C.
James Hagen serves as the Inspector General for the National Credit Union Administration. As Inspector General, he oversees the accountability, integrity, and efficiency of the NCUA's programs and operations.
Mr. Hagen joined the NCUA in 2005 as the Assistant Inspector General for Audit, and served as the agency's Deputy Inspector General from 2010 until his selection as Inspector General in 2013. As Deputy Inspector General, Mr. Hagen was responsible for auditing and evaluating NCUA's programs, as well as overseeing the NCUA's efforts to maintain the safety and soundness of federal credit unions and the National Credit Union Share Insurance Fund. As the Inspector General, he is responsible for keeping the U.S. Congress informed of his office's audit efforts on such matters as the agency's Financial Statement Audit, Federal Information Security Management Act reviews, Material Loss Reviews of failed credit unions, and discretionary program audits.
Mr. Hagen has spent the majority of his federal government career in the Inspector General community having held management positions at the Offices of Inspector General at the U.S. Postal Service, the Social Security Administration, and the Department of the Treasury.
Mr. Hagen holds a bachelor's degree in marketing and management from the University of Baltimore. He is a member of the Institute of Internal Auditors, and is certified as an Inspector General, a Government Financial Manager, and a Fraud Examiner.
Director, Office of Minority and Women Inclusion
Monica Hughes Davy
Monica Hughes Davy is the Director of the Office of Minority and Women Inclusion. As Director, Ms. Davy oversees the requirements of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 involving diversity, civil rights and the promotion of minority and women hiring and contracting practices throughout the credit union industry and at the NCUA.
Prior to joining the NCUA, Ms. Davy served as Executive Director of the Office of Equity, Diversity and Inclusion at the Internal Revenue Service. She also served as Acting Director of the U.S. Food and Drug Administration’s Office of Equal Employment Opportunity and Diversity Management, and as Acting Director and a senior trial attorney at the Department of Health and Human Services.
Ms. Davy holds degrees from the Howard University School of Law and George Mason University.
Chief Financial Officer
Rendell L. Jones
Rendell L. Jones is the Chief Financial Officer responsible for the daily operations of the National Credit Union Share Insurance Fund and the NCUA Operating Fund, including the accounting and financial reporting functions for both funds. He is also responsible for key agency functions including, budget preparation and management, finance and accounting functions, creating the annual performance plan, strategic planning, travel policies and programs, accounts payable, payroll, facilities management, the administration of credit union operating fees and Share Insurance Fund capitalization deposits and operations.
Mr. Jones joined the NCUA from U.S. Citizenship and Immigration Services, where he was Associate Director for Management and served as the Agency’s Acting Deputy Director from December 2013 to July 2014. Prior to that appointment, Mr. Jones served as USCIS’s Chief Financial Officer. He previously served as Deputy Budget Director at the Department of Homeland Security. His career in federal service began in 1996 at the Department of Justice.
Mr. Jones holds a master’s degree in public administration from North Carolina State University and a bachelor of science degree in finance from Virginia Commonwealth University. He received the Presidential Rank Medal for Meritorious Service and the Secretary’s Silver Medal for his service at the Department of Homeland Security.
Chief Information Officer
Robert Foster is the NCUA’s Chief Information Officer. In this role, he is responsible for leading the IT workforce, establishing the organization’s IT strategy and roadmap, and safeguarding, operating, and maintaining its technology resources.
Prior to being named CIO, Mr. Foster served as the NCUA’s Deputy Chief Information Officer. Prior to coming to the NCUA, he served as Chief Information Officer with the Department of the Navy, acting as the senior official and advisor on a variety of matters relating to information management, resources, and technology. Mr. Foster previously served as Deputy Chief Information Officer at the Department of Health and Human Services and at U.S. Immigration and Customs Enforcement. He retired from the U.S. Navy in 2007, after a 21-year career.
Mr. Foster holds a bachelor’s degree in business administration from the University of Florida and a master’s degree in information technology management from the Naval Postgraduate School. He also holds professional certificates from the Department of Defense, the National Defense University, and George Washington University.
Director, Office of Business Innovation
Kelly Lay is the Director of the Office of Business Innovation for the National Credit Union Administration. As Business Innovation Director, Ms. Lay is responsible for the agency’s information technology modernization and business-process optimization efforts, as well as information security support, data management, and data governance for the agency.
Ms. Lay previously served as the Associate Regional Director of Programs in the former-Region II office from 2010–2016. She has also worked in the former-Region V office as the Director of Supervision from 2006–2009 and as the Director of Insurance when the office first opened in 2004. Additionally, she held various positions in the former-Chicago region, including examiner, Supervision Analyst, and Director of Supervision.
Ms. Lay began her career with NCUA in 1996 after graduating from Illinois State University with a Bachelor of Science degree in Finance. She earned her Certified Public Accountant certificate in Illinois in 2002.
Director, Office of Consumer Financial Protection
Matthew J. Biliouris
The Office of Consumer Financial Protection is led by Matthew J. Biliouris. Prior to assuming this leadership role, Mr. Biliouris had served as the office's Deputy Director since 2013. As Director of the Office of Consumer Financial Protection, he is charged with overseeing the agency's consumer financial protection policy and rulemaking efforts, fair lending examination program, and interagency coordination on consumer financial protection compliance matters. He is also responsible for the agency's Consumer Assistance Center and its financial literacy outreach program.
Mr. Biliouris began his career with the NCUA in 1992, as an examiner in Portland, Maine and then Virginia Beach, Virginia. During his 26-year career with the NCUA, he has served as a Supervision Analyst in the then-Region II office; Information Systems Officer and Program Officer in the Office of Examination and Insurance; Special Assistant to the Executive Director, and Director of Supervision in the Office of Examination and Insurance. Mr. Biliouris has also served as a Special Assistant to former NCUA Board Member Michael Fryzel during his term as Chairman of the NCUA.
Director, National Examinations and Supervision
Scott Hunt was appointed Director of the Office of National Examinations and Supervision effective January 1, 2013. Prior to the establishment of ONES, Mr. Hunt was appointed as the Director of the then-Office of Corporate Credit Unions on September 24, 2009, after serving as Acting Director and Special Assistant to the Acting Director during the first eight months of 2009.
Mr. Hunt initially joined the NCUA as an examiner in Washington, D.C. in 1989. He subsequently held the positions of Supervision Analyst, Director of Insurance, and Associate Regional Director of Operations in the then-Region II. In the NCUA's headquarters office, Mr. Hunt served as a Senior Investment Officer in the Office of Capital Markets and Planning before returning to then-Region II as the Associate Regional Director of Programs in January 2005.
Mr. Hunt holds an accounting degree from Penn State University and an MBA from George Mason University in Virginia. He is a CPA and CFA charter holder.
Director, Office of Examination and Insurance
In June 2011, Larry Fazio was selected as the Director of the Office of Examination and Insurance for the NCUA. He is responsible for overseeing the agency’s examination and supervision program and managing the agency’s data gathering, surveillance and national risk-assessment programs. Mr. Fazio also oversees the NCUA Guaranteed Notes program.
Mr. Fazio joined the NCUA in 1991 as an Examiner in Chicago. During his career, Mr. Fazio has served as a Supervision Analyst, a Supervisory Examiner in Detroit, the Director of Supervision in the former-Chicago regional office, the Director of Risk Management in the Office of Examination and Insurance, the Deputy Director of the Office of Examination and Insurance, and the NCUA's Deputy Executive Director.
Mr. Fazio graduated from Lewis University with a degree in accounting, and has a Master's degree in Organizational Management from George Washington University.
Special Advisor to the Chairman for Cybersecurity
Johnny E. Davis Jr.
Johnny E. Davis Jr., serves as Special Advisor to the Chairman for Cybersecurity and Director of the NCUA’s Division of Critical Infrastructure in the Office of Examination and Insurance. In this role, he provides strategic counsel on cybersecurity policy and engages with other federal financial institutions regulators and external stakeholders.
Mr. Davis has more than 25 years’ experience in information security and infrastructure operations in the military, federal government, and private sector. Prior to joining the NCUA in 2015 as Chief Information Security Officer, Mr. Davis served as the Director of Critical Infrastructure Protection for the Department of Veterans Affairs. He also has served as Deputy Chief Information Security Officer at the departments of Interior, Health and Human Services, and the Environmental Protection Agency.
Mr. Davis holds a master’s degree in management and information systems from Webster University in St. Louis, Missouri, and a bachelor’s degree in the same discipline from Park University, also in St. Louis. He also holds numerous professional certifications, including: Certified Information Systems Security Professional, Certified Information Systems Auditor, Certified in Risk and Information Systems Control, and Certified Business Continuity Professional.
Mr. Davis is also a proud veteran of the United States Marine Corps.
Director, Office of Human Resources
Towanda Brooks became Director of the NCUA’s Office of Human Resources in October 2018. As Director, Ms. Brooks oversees the office, providing a full range of human resource functions to all NCUA employees. The office administers recruitment and merit promotion, position classification, compensation, employee records, training and development, employee benefits, employee relations, and labor relations programs.
Prior to coming to the NCUA, Ms. Brooks served as Chief Human Capital Officer for the Department of Housing and Urban Development. Her career includes service in human resources at the Department of Commerce, the National Nuclear Security Administration, the Department of Homeland Security, the U.S. Secret Service, the Department of Agriculture, and the Library of Congress.
Ms. Brooks holds a bachelor’s degree from George Mason University and a master’s degree from The American University. She also received a professional certificate in executive leadership from Georgetown University.
Director, Credit Union Resources and Expansion
Martha Ninichuk serves the Director of the Office of Credit Union Resources and Expansion. In this role, Ms. Ninichuk is responsible for chartering and field-of-membership matters, low-income designations, charter conversions and bylaw amendments. Her office also provides online training to credit union board members, management and staff, and technical assistance through grants and loans funded by the Community Development Revolving Loan Fund. Additionally, Ms. Ninichuk oversees the agency’s minority depository institutions preservation program.
With more than 25 years of credit union experience, Ms. Ninichuk held a number of leadership positions in both the U.S. and international credit union systems. She joined the NCUA in April 2012 as the Deputy Director of the then-Office of Small Credit Union Initiatives. Prior to joining the NCUA, she worked at the Michigan Credit Union League, the Maryland and D.C. Credit Union Association, and the World Council of Credit Unions. She was also the manager of St. Cletus Credit Union, a small, faith-based institution located in Warren, Michigan.
Ms. Ninichuk holds a Bachelor of Arts from Michigan State University.
Director, Office of Continuity and Security Management
Kelly Gibbs joined the National Credit Union Administration as the Director of Continuity and Security Management in April 2018. As the NCUA’s top security official, Ms. Gibbs develops and implements the agency’s personnel security, physical security, continuity of operations, emergency management, and intelligence programs.
Ms. Gibbs joined the NCUA from the United States Securities and Exchange Commission (SEC), where she served as Chief of the Office of Security Services. In this role, she was responsible for the oversight of the personnel security, physical security, continuity of operations, emergency management, insider threat, and safety programs. Ms. Gibbs joined the SEC in 2012 as a personnel security specialist before being promoted to Branch Chief of Personnel Security Operations and ultimately to Chief of the Office of Security Services.
From 2006 to 2012, Ms. Gibbs served as a Special Agent, Supervisory Agent-in-Charge, and as an Inspector at the U. S. Office of Personnel Management responsible for conducting background investigations and conducting reviews of personnel security offices through the federal government.
She started her federal career in 2003 working for the United States Postal Service in various roles in the Privacy Office and United States Postal Inspection Service.
Prior to working for the federal government, Ms. Gibbs worked as a private investigator in Las Vegas, Nevada, and Seattle, Washington. She is originally from Las Vegas, Nevada and has a bachelor’s degree in criminal justice from the University of Nevada, Las Vegas.
Andrew Leventis is the NCUA’s Chief Economist. In this role, he supports the NCUA’s safety and soundness mission by developing and distributing economic intelligence for NCUA’s offices and leadership. He is also the director of the Office of the Chief Economist, which enhances the NCUA’s understanding of emerging microeconomic and macroeconomic risks and participates in the development of agency and interagency policy.
Before joining the NCUA, Mr. Leventis served as Deputy Chief Economist with the Federal Housing Finance Agency. Prior to his government service, he had extensive private-sector experience as an economist and decision engineer.
Mr. Leventis holds master’s and doctoral degrees in economics from Princeton University and a bachelor’s degree in quantitative economics from Stanford University.
Director, Southern Region and President, AMAC
Keith Morton serves as the Regional Director for the Southern Regional office in Austin, Texas. As Regional Director, Mr. Morton overseas the examination and supervision of all federally insured credit unions in Alabama, Arkansas, Florida, Georgia, Indiana, Kentucky, Louisiana, Mississippi, North Carolina, Oklahoma, Puerto Rico, South Carolina, Tennessee, Texas, and the U.S. Virgin Islands
Mr. Morton is also the President of the Asset Management and Assistance Center (AMAC). As President, Mr. Morton serves as the key advisor to the NCUA Board on AMAC matters, including liquidation payouts, managing assets acquired from liquidations and management of recoveries for the National Credit Union Share Insurance Fund. AMAC also provides assistance and advice pertaining to conservatorships, real estate and consumer loans, appraisals, bond claim analysis, and reconstructing accounting records.
Mr. Morton's career began in December 1986 as a field examiner in Washington, D.C. He also was a Problem Case Officer prior to moving into management in 1994. He spent nearly eight years in management roles in then-Region II (Alexandria, Virginia) as a Supervisory Examiner, Director of Special Actions, and Director of Supervision prior to joining the Western Region as Associate Regional Director in 2002.
A native of Silver Spring, Maryland, Mr. Morton holds an accounting degree from Frostburg State College.
Director, Eastern Region
Jane A. Walters
Jane Walters is the Regional Director for the NCUA’s Eastern Region. As Regional Director, she oversees the examination and supervision of federally insured credit unions in Connecticut, Delaware, the District of Columbia, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, and West Virginia.
Ms. Walters began her NCUA career in 1981 as an examiner in Chicago. She then became a Problem Case Officer prior to being selected Director of Special Actions in Region II in 1987. Ms. Walters was named Associate Regional Director of Programs for the former Region IV (Chicago, Illinois) office in 1990, and in 1994 was appointed the agency's Controller. In 1995, she became Regional Director of Region II (Alexandria, Virginia). She has also served as Regional Directors for the former Region VI (Concord, California) and Region IV (Austin, Texas) prior to being named Deputy Executive Director in February 2006.
Ms. Walters holds a bachelor of science in accounting from the University of Dayton and a MBA from Loyola University of Chicago.
Director, Western Region
Cherie Freed is the Regional Director of the NCUA’s Western Region, located in Tempe, Arizona. As Regional Director, she oversees the examination and supervision of federally insured credit unions in Alaska, Arizona, California, Colorado, Guam, Hawaii, Idaho, Illinois, Iowa, Kansas, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oregon, South Dakota, Utah, Washington, Wisconsin, and Wyoming.
Prior to being selected as Regional Director in 2016, Ms. Freed served as the Associate Regional Director for the region. She also previously served as the Director of Supervision and as the Loss-risk Analysis Officer in the NCUA’s Office of Examination and Insurance. Ms. Freed began her career in 1987 as an examiner in Phoenix. In 1991, she became a Problem Case Officer and later a corporate examiner.
Before joining the NCUA, Ms. Freed served as the Controller for a manufacturing company in Phoenix. Throughout her NCUA career, Ms. Freed received numerous awards and recognition, including the Specialized Examiner of the Year in 2009 and Supervisor of the Year in 2010.
Ms. Freed holds a bachelor of science in accounting from Northwest Missouri State University.