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.

Memorial Day is just behind us, and Independence Day is just around the corner so I would like to take a moment and thank all of our Veterans that have served and sacrificed for this great country! As of May 31st, our financial position remains extremely strong with assets growing to $215m, with loans over $144m, and Net worth at 8.90%. Delinquency is running higher than usual, but this is across the board for most of our peer group currently. All in all, Quest is growing, and we are financially strong.

We are beyond thrilled to announce the seventh branch in our lineup coming soon in Carey, Ohio. This is an expansion that has been in the planning phases for several years. We had planned to embark on this project after the Indian Lake expansion which of course was delayed a year by the COVID financial uncertainty. Once the Indian Lake office was completed in August of 2022, we shifted our focus to an area of great interest and potential for Quest which had been identified as Carey. Carey has a robust economy and fantastic heritage, and we are excited to serve the community. Vaughn Industries, a Carey based company, is going to serve as general contractor and project manager. Quest and Vaughn will be constructing buildings at the same time and at adjoining locations which allows us to maximize the efficiency of contractors and coordination of material and labor. We will announce the groundbreaking soon, but you can read about the expansion and see a rendering of the building on the website and on our social media pages. The building is going to fit into the area well and will be an attractive and unique addition to our fleet of branches. More to come soon with construction updates, news of local hiring to fill the positions of the branch and our expected opening date.

Read the press release here: https://questfcu.com/2025/06/12/pr-carey-expansion/ (renderings included)

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!

Matt Jennings, Chief Executive Officer

FOR IMMEDIATE RELEASE:

Kenton, OH — Quest Federal Credit Union announces plans to open its seventh branch location in Carey, Ohio, with construction beginning during this summer, opening in early 2026. The new full-service branch will be located at 923 E. Sheriden Drive.

The Board of Directors of Quest FCU have given their approval to proceed with the construction. “Along with the rest of the board of directors, I am very excited to be part of this new branch expansion,” said Board President Sarah Wirbel. “We’ve known that this was an area of Wyandot County that is growing and home to a vibrant community, we’re excited to plant our roots in the community and will be ready to serve our members!”

This will be the seventh branch location offering members access to all of Quest Federal Credit Union’s personal and business financial services. The new branch location will offer members a full-service banking experience with local branch management, member service representatives, loan officer, and other branch support staff.

Vaughn Industries will act as Construction Manager for Quest FCU and will begin construction of the new branch in the coming weeks with intentions to open the new location in early 2026. “So far, we’ve been able to proceed through the development phases with the help of Vaughn Industries, Village administration, and other local firms to arrive at a building design and finalize infrastructure planning. We are ready to bring our top-tier member services to our member-owners in Carey!”, said Matthew Jennings, Quest FCU Chief Executive Officer.

Established in 1969 as Kenton Rockwell Standard Federal Credit Union, Quest Federal Credit Union is a member-owned financial cooperative open to anyone who lives, works, worships, and/or attends school in Hardin, Logan, and Wyandot Counties.

For inquiries, please contact Quest Federal Credit Union at 800-333-9571 or by email at marketing@questfcu.com.

###

Exterior Rendering

Interior Rendering

Food Truck Fridays!

Join us on select Fridays June through August for some delicious lunch options! Visit our Main Branch in Kenton (12837 US Highway 68, Kenton, OH 43326), the schedule is shown below. Yum!

Fee Change Notice!

Please be aware that effective May 1, 2025, Quest Federal Credit Union will charge the following fees.

Debit Card/Credit Card Replacement Fees

• Replacement costs for debit cards and credit cards will increase to $10/card.

Thank you.

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.

Quest has started the year off on good footing, growing to $205m, with loans over $137m, Net worth at 9.09% and delinquency decreasing to 0.69% as of February close. All in all, Quest is growing, and we are financially strong.

Saturday, March 15th marked our 56th Annual Meeting of Member Owners and we had a fantastic breakfast served by More than just BBQ and enjoyed the beautiful, although rainy Memorial Park Golf Course views. President Sarah Wirbel updated the attendees on our successes in 2024, Cam Hemmerly summarized our financial performance for year end 2024 and I updated those present on our plans for 2025. Vice President Ron Rogers completed the nominating cycle for 2025. Returning to the Board of Directors are Sarah Wirbel, Cam Hemmerly and Luke Larrabee with Austin Oglesbee returning to the Credit Committee. I also had the pleasure of recognizing the Board and Staff Members for their years of service and they are as follows; Service awards were presented to Shenan Kelly, Luke Larrabee and Hilary Dalton for 5 years. Kelly Rickenbacher and Emily Heilman for 10 years. Angela Newland and Tracy Hollinger for 15 years. Karla Lowe and Jennifer Musson for 20 years. Deb Houser and Paige Wallace for 25 years. Vickie Roszman for 30 years and Allen Barrett for 35 years.

We are excited to announce and launch our Quest Tiered Rewards Program that pays you in points for nothing more than using your credit union! You can accumulate points for most all products and services that Quest offers and then use those points for Quest Swag, interest bumps on CD’s, or offsetting costs of card replacement, fee reductions, etc. Check out your points by logging into online banking or by inquiring with the frontline Member Service Representatives at any of our convenient branch locations. You can also check out our new online store for Explorer Tier Rewards point redemptions – go to: https://store.questfcu.com and have a look!

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!

Matt Jennings, Chief Executive Officer

FOR IMMEDIATE RELEASE:

Kenton, OH — Saturday, March 15th, 2025 marked the 56th Annual Meeting of member/owners of Quest Federal Credit Union. The meeting was held at the Memorial Park Golf Club conference room and breakfast was served by Moore Than Just BBQ. Board President Sarah Wirbel updated the attendees on Quest’s successes in 2024, Cam Hemmerly summarized the financial performance reports for year-end 2024, and Matt Jennings updated those present on plans for 2025 and beyond. Vice President Ron Rogers completed the nominating cycle for 2025. Returning to the Board of Directors are Sarah Wirbel, Cam Hemmerly, and Luke Larrabee; Austin Oglesbee will be returning to the Credit Committee. Matt Jennings had the pleasure of recognizing the Board and Staff Members for their years of service and they are as follows; Service awards were presented to Shenan Kelly, Luke Larrabee, and Hilary Dalton for 5 years. Kelly Rickenbacher and Emily Heilman for 10 years. Angela Newland and Tracy Hollinger for 15 years. Karla Lowe and Jennifer Musson for 20 years. Deb Houser and Paige Wallace for 25 years. Vickie Roszman for 30 years. Allen Barrett was recognized for 35 years of volunteer service to the credit union.

Quest Federal Credit Union serves those who live, work, worship, or attend school in Hardin, Logan, and Wyandot counties. Quest ended the year with $201,939,261 in assets, 16,361 members, 9.17% Net Worth, and six branch locations serving member/owners.

For more information about Quest Federal Credit Union, go to https://questfcu.com or find us on Facebook at https://www.facebook.com/Questfederalcu.

###

Service Award Winners

Annual Meeting

Join us for the 2025 Quest Federal Credit Union Annual Meeting!

All member/owners are invited to attend the Quest Federal Credit Union Annual Meeting to be held on March 15th, 2025. The meeting will be held at the Memorial Park Golf Course in Kenton, OH. Breakfast will be served at 9:00am with the meeting to follow.

Please join us as we review the achievements of 2024 and discuss the future of Quest Federal Credit Union.

Tickets are not required for entry, all current/active members are invited to attend. Breakfast is provided.

Explore the Possibilities!

Quest Federal Credit Union recognizes, rewards, and supports the pursuit of higher education in our community. Quest is making available nine (9) $500 scholarships for those high school students who will be continuing their education following graduation.

ELIGIBILITY

• 3.0 GPA or higher
• Will attend an 2- or 4-year accredited university, college, or technical school
• Students in Hardin, Logan, or Wyandot counties are eligible, also if you reside outside these counties, but have a parent or grandparent that is a Quest member you are eligible.

SELECTION PROCESS

• Your application will be evaluated by the Quest Federal Credit Union Scholarship Committee and you will be notified no later than May 31^st, 2025

 APPLICATION DEADLINE

• Applications must submitted to Quest Federal Credit Union and are due by April 11^th, 2025
• Click here to download the scholarship application form

Mail to:

Quest Federal Credit Union Scholarship Committee
c/o Quest Federal Credit Union
12837 US Highway 68
Kenton, OH 43326

Welcome to our Explorer Tier Rewards Program!

Over the past 6 months, Quest Federal Credit Union has been rolling out our ETR Program to benefit all our amazing members!

How it works:

ETR Points are earned monthly based on your use of Quest Federal Credit Union products and services. Here’s what you can do with your points:

• Redeem for Quest Merchandise & Logowear
• Bump up your CD % (New CDs only*)
• Lower loan rates (New loans only**)
• Waive fees on multiple products

Check your points:

Log in to your Quest FCU Mobile App or Online Banking and visit the Explorer Tier Rewards section to see your points balance. Then, head to our Store to explore all the exciting ways to redeem them!

Visit our store now: https://store.questfcu.com/

Got questions? Call us at 800-333-9571—we’re here to help!

* – CD rate increase valid for new CDs only
** – Loan rate decrease valid for new loans only