2024-05-04T14:36:12-07:00 2023-12-31 311364689 Schmidt & Associates P O Box 2588 Columbus OH 43216 990 2023-01-01 610245487 EXPREE CREDIT UNION EXPR 5025645597 100 Moore Drive Frankfort KY 40601 John Graham Chief Executive Officer 5025645597 2024-05-06 1 John Graham 999009999 1 Melissa Schmidt P01607816 6145291640 2024-04-20 1 11 0 AAL2 2023 2023-04-26 12:10:37Z John Graham 100 Moore Drive Frankfort KY 40601 6987085 0 X www.expree.org X 1938 KY Expree Credit Union is a financial institution cooperative organized to provide loan and deposit products and services to its member owners. 9 9 31 14 2508 0 0 0 5533620 6578832 258572 408253 0 0 5792192 6987085 0 0 0 0 1958993 2028755 0 0 0 2684938 3891805 4643931 5920560 1148261 1066525 92581595 98510915 82999264 87834806 9582331 10676109 Expree Credit Union is dedicated to providing hand crafted solutions for all your financial needs. 0 0 4899612 0 6984577 The organization is a state chartered member owned cooperative credit union that provides financial services and products to the member owners. 0 0 0 4899612 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 1176 0 1 31 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 1 1 1 1 0 X John Graham 5025645597 100 Moore Drive Frankfort KY 40601 John Graham President / Chief Executive Officer 40 0 X X 212197 0 47100 Myron Moore Chief Compliance Officer 40 0 X 123960 0 23600 Brandon Cheak Chief Lending Officer 40 0 X 104768 0 12600 Paul Royce Chairman of Board 2 0 X 0 0 0 Ashley Mixson Vice Chairperson of Board 2 0 X 0 0 0 Dr Abdul Turay Treasurer of Board 2 0 X 0 0 0 Singer Buchanan Secretary of Board 2 0 X 0 0 0 James Mason Director 2 0 X 0 0 0 Jay Douds Director 2 0 X 0 0 0 Kathy Whitlock Director 2 0 X 0 0 0 Mary Bailey Director 2 0 X 0 0 0 Scott McKenzie Director 2 0 X 0 0 0 440925 0 83300 3 0 1 0 0 0 Interest on loans to members 522130 4674296 4674296 0 0 Fees to members 522130 1902028 1902028 0 0 ATM surcharges to nonmembers 522130 2508 0 2508 0 0 0 0 0 6578832 408253 408253 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6987085 6984577 2508 0 0 0 0 0 0 0 0 0 440926 52384 388542 0 0 0 0 0 1156666 894007 262659 0 86032 50964 35068 0 221398 107754 113644 0 123733 73298 50435 0 33861 0 33861 0 0 0 0 0 34782 11723 23059 0 0 0 0 0 0 0 30709 0 30709 0 47456 0 47456 0 214522 214522 0 0 114748 114748 0 0 444706 444706 0 0 0 0 0 0 140030 126027 14003 0 0 0 0 0 0 0 0 0 45049 45049 0 0 1317042 1317042 0 0 0 0 0 0 100166 94099 6067 0 32896 29606 3290 0 Share servicing (ATM, debit, draft) 604699 604699 0 0 Loan servicing (credit card, dealer, collections) 691336 691336 0 0 Regulators 12155 0 12155 0 27648 27648 0 0 5920560 4899612 1020948 0 573767 389814 3196256 2798210 0 0 15385 33161 0 0 0 0 68213197 79597325 0 0 1084238 1256541 4186489 2132636 1866052 2053853 0 0 0 0 14466403 8752652 0 0 3166297 3629359 92581595 98510915 786494 617215 0 0 0 0 0 0 0 0 0 0 766271 2320335 0 0 81446499 84897256 82999264 87834806 X 0 0 0 0 9582331 10676109 9582331 10676109 92581595 98510915 1066525 27253 0 0 0 0 X 0 1 X 1 0 0 883485 883485 0 2319750 1423043 896707 0 0 0 0 0 983254 709593 273661 0 0 0 0 2053853 Insured certificates of deposit 1244000 C Federal agency securities 1249000 C Mortgage backed securities 5092056 C Central Liquidity Facility 230999 C Stock in Federal Home Loan Bank 187500 C Ownership in corporate credit union 749097 C 8752652 0 Members share savings 27483021 Members money market savings 6254359 Members draft checking 11055919 Members IRA savings 300569 Members IRA certificates 741489 Members share certificates 34443899 Nonmember share certificates 4618000 84897256 6987085 0 0 0 0 0 6987085 0 0 0 6987085 5920560 0 0 0 0 0 5920560 0 0 0 5920560 X X X 0 1 0 John Graham President / Chief Executive Officer 201724 0 10473 0 0 0 37119 0 9983 0 259299 0 Myron Moore Chief Compliance Officer 115899 0 8061 0 0 0 15062 0 8528 0 147550 0 Brandon Cheak Chief Lending Officer 98433 0 6335 0 0 0 4203 0 8349 0 117320 0 Schedule J, Part I, Line 4 Two employees are participants in a deferred compensation agreement. 2023 deferred compensation amounted to $39,500 ($29,500 for Chief Executive Officer John Graham and $10,000 for Chief Compliance Officer Myron Moore). The nonqualified deferred compensation plan is part of a Board approved compensation package. Exempt - credit union Director X 1 1 0 1 1 1 Form 990, Part VI, Section A, Line 6 All credit unions by charter are member owned. Form 990, Part VI, Section A, Line 7a All of the governing body is elected by the membership. Form 990, Part VI, Section B, Line 11b The 990 is reviewed by management and the Board of Directors prior to submission Form 990, Part VI, Section B, Line 12c The conflict of interest policy is reviewed by the employees and the Board of Directors annually. Form 990, Part VI, Section B, Line 15 Compensation of key employees is approved by the Board of Directors. Independent compensation surveys are utilized as a tool in setting compensation levels. Form 990, Part VI, Section C, Line 19 The governing documents, conflict of interest policy, and financial documents are made available upon request.