From the CEO’s Desk

Hello, my name is Matt Jennings, and I am the Chief Executive Officer of Quest Federal Credit Union, and I hope this letter finds you all well.

On March 14th, we gathered at The Syndicate in Bellefontaine for our annual business meeting. Attendance was very strong and as you can imagine, The Syndicate didn’t disappoint with breakfast. Sarah Wirbel, Board President lead the meeting and gave a brief updated on accomplishments in 2025. Cam Hemmerly, Board Treasurer gave the annual financial update, reporting on multiple strong financial performance indicators. Brandon Ramge, Chair of the Nominating Committee reported on the 2025/2026 election cycle followed by my presentation on goals accomplished, including the Grand Opening of our Carey Branch on March 5th. I also had the pleasure of presenting service awards to the board and staff. Celebrating service awards this year were Maria Castle and Kerri Schlatter for 5 years, Kelly Teynor and Jordan Temple for 10 years, Emily Archer and Crystal Linville for 15 years, Sarah Wirbel for 20 years, Shannon Allmon and Beth Delong for 25 years and Jennifer Nelson for 30 years. I congratulate all of the service award recipients and genuinely thank them for their incredible contribution to our credit union. All of this information including even more data can be found in our 2025 Annual Report. To receive a copy, either stop by one of our convenient branch locations or give us a call and we can email you a copy.

Service award winners, first row (left to right): Jennifer Nelson, Beth DeLong, Kerri Schlatter, Kelly Teynor; second row (left to right): Shannon Allmon, Maria Castle, Jordan Temple, Emily Archer, Sarah Wirbel

Annual Meeting 2026, held at The Syndicate in Bellefontaine, OH.

A quick financial update, Quest finished the year strong holding $236m in assets with $151m in loans. Our net worth ratio is at a healthy 8.60% with our year-to-date return on assets of 0.42%, which will build as we go through the year. We have 16,917 member owners and are looking forward to adding to this total as we head into 2026.

If you have not already, please check out our Exploration Podcast series which you can find on our website or by visiting the podcast app on your smart phone and searching Quest Exploration. We have built a robust library covering many topics that you may find of interest or that can be used for self help for such things as online banking, learning how to apply for loans, student loans and much more.

Listen to Exploration!

In closing, thank you for your patronage, and the Board of Directors and Staff would like to wish you all the best. We view Quest as a big family, and we are here to help! Thank you and 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!