91^st Annual
Membership
Meeting 

Position 4 - Mr. Larry Frazier
Mr. Frazier’s service with Smart Financial began as a member of the Audit Committee (1997-2002). In 2002 he was appointed to the Board of Directors. In June 2002, he retired from HISD after serving 31 years as a teacher, math coordinator and department chairman. Currently, Mr. Frazier owns and operates L&C Cards, Coins and Collectibles, which he established in 1994. Mr. Frazier holds a Bachelor’s degree in Education from Sam Houston State University and a Master's in Mid-Management and Education from Texas Southern University.

Position 6 - Dr. Robert Bostic
Dr. Robert Bostic is the proud Superintendent of Stafford Municipal School District and has been dedicated to children and education for over 32 years. Dr. Bostic joined Smart Financial in 2014 and later served in multiple capacities as a member of the Nominating Committee and Smart Financial Foundation Board. Dr. Bostic went on to serve in a leadership capacity through his volunteer efforts for Smart Financial, and most recently held the position of Chairman of the Nominating Committee.

Dr. Bostic still works as a school superintendent and prides himself on evangelizing the message of financial literacy with his staff and students daily. Dr. Bostic has long been a proponent of financial preparedness and financial security with his prior work as a member of the North Texas Electronic Crimes Task Force run by the United States Secret Service, and through his speaking engagements with the FDIC in Dallas. Dr. Bostic holds a Doctorate in Education Administration from the University of North Texas, a Master’s degree from the University of Central Oklahoma, and a Bachelor of Science in Elementary Education and English.

Position 7 - Mr. Michael O'Neill
Mr. O’Neill has been a member of the Smart Financial Board of Directors since June 2008 following a merger with Key Federal Credit Union. He had previously served on the Key Federal board from 2007 to 2008. He has also served on the boards of Smart Financial Resources and the Smart Financial Foundation. He received a Bachelor’s degree in Physics and Biology from Western Maryland College in 1980, a Master’s degree in Radiological Health Sciences from Johns Hopkins University in 1985 and was certified in Therapeutic Radiological Physics by the American Board of Radiology in 1986. He is a Licensed Medical Physicist who has been living in the Houston area since 1988. He currently works as an independent consultant for several Radiation Therapy Centers in the State of Texas. He is an entrepreneur who owns four businesses that are involved in finance, real estate, and cancer treatment.

Position 10 - Mr. Michael Childers
Mr. Childers has been a member of Smart Financial Credit Union since 1978. After graduating from the University of Houston, he began his teaching career at Ruby Sue Clifton Middle School. He taught Health and Physical Education, Exercise Science, and Science, and retired after 29 years of service. During his years at Clifton, he also educated the faculty on finance and the importance of participating in the District's 403b plan, the intricacies of the Teacher Retirement System, and the importance of planning for retirement. Upon his retirement from the Houston Independent School District in 2008, he entered the Harris County Sheriff's Academy and has served as a police officer since 2009. He began serving on the Smart Financial Credit Union Audit Committee in 2020 and was appointed to the Smart Financial Credit Union Board of Directors in 2024.