From the CEO’s Desk

Hello, my name is Matt Jennings and I am the Chief Executive Officer of Quest Federal Credit Union.

2019 marks a special date in our history as this will be our 50th year serving our member/owners and the communities we call home. The Kenton Rockwell Standard Federal Credit Union was founded in 1969 and since that time has grown to serve 3 counties and 14,000 members with $118m in assets. During our first 50 years we have changed our name to encompass Hardin County and following our merger with the Logan Community FCU, we became Quest Federal Credit Union. Our name and trademarked compass logo has become a staple in our communities, is recognizable all across our great state and epitomizes our desire to continually search for the best products and services we can offer to our member/owners.

Save the date of March 16th for our 50th Annual Meeting where we will kick off our anniversary celebration. Throughout the year we will offer specials in honor of our 50th that will provide a reward and a thank you to all of our member/owners for your continued patronage. We are excited and I am confident you will be as well.

A quick update on our 2018 financials. As we round out the 4th quarter, we are proud to announce that we have surpassed and sustained $118m in assets, we have 11% loan growth and 7% share growth for the year and our ROA or return on assets is set to hit our goal of 0.80%. Delinquency remains low for our peer group finishing at 1.10% and our member/owner growth is at 3.50%. This marks another great year for Quest with clean and concise audit and exam results and also marks our 54th consecutive period with a Bauer 5 Star Rating. Our strong financial performance is a testament to the vision of our Board, the diligence of our management team, the efficient work of our Staff and the loyalty of our member/owners.

As we embark on a new year, the Board and Staff of Quest want to wish our member/owners health, happiness and all the best in 2019. We look forward to celebrating with you as we progress through our 50th year!

In closing, I welcome any comments, suggestions or questions from our member-owners. I can be reached by calling the Main Office or via email at mjennings@questfcu.com. Thank you for your loyal patronage to Quest and I challenge you to Explore the Possibilities!

Matt Jennings, Chief Executive Officer