Nonprofit · EIN 61-0245487
EXPREE CREDIT UNION
Tax-exempt · FRANKFORT, KY 40601
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $8,378,220 | $7,576,180 | $802,040 | $114,627,336 | $102,067,381 | $12,559,955 |
| December 31, 2024 | 990 | $8,018,412 | $6,954,774 | $1,063,638 | $104,580,209 | $92,860,348 | $11,719,861 |
| December 31, 2023 | 990 | $6,987,085 | $5,920,560 | $1,066,525 | $98,510,915 | $87,834,806 | $10,676,109 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $7,612,923
- Investment income
- $765,297
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $697,774
- Other salaries and wages
- $1,081,213
- Salaries, compensation and benefits (total)
- $2,279,296
- Professional fundraising fees
- $0
- Legal fees
- $6,250
- Accounting fees
- $35,564
- Occupancy
- $131,305
- Depreciation
- $156,254
- Program services (functional)
- $6,209,272
- Management and general (functional)
- $1,366,908
Balance sheet and other
- Total assets, start of year
- $104,580,209
- Total assets, end of year
- $114,627,336
- Total liabilities, end of year
- $102,067,381
- Net assets, end of year
- $12,559,955
- Land, buildings and equipment
- $1,974,783
- Gross unrelated business income
- $1,953
- Gross receipts
- $8,378,220
- Employees
- 32
- Volunteers
- 14
- Year formed
- 1938
- State of legal domicile
- KY
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| John Graham | President / Chief Executive Officer Key employee, Highest-paid employee | 40 | $438,617 | $47,000 |
| Myron Moore | Chief Compliance Officer Key employee | 40 | $145,392 | $30,000 |
| Brandon Cheak | Chief Lending Officer Key employee | 40 | $113,765 | $25,000 |
| Paul Royce | Chairman of Board Trustee or director | 2 | $0 | $0 |
| Ashley Mixson | Vice Chairperson of Board Trustee or director | 2 | $0 | $0 |
| Dr Abdul Turay | Treasurer of Board Trustee or director | 2 | $0 | $0 |
| Singer Buchanan | Secretary of Board Trustee or director | 2 | $0 | $0 |
| James Mason | Director Trustee or director | 2 | $0 | $0 |
| Jay Douds | Director Trustee or director | 2 | $0 | $0 |
| Mary Bailey | Director Trustee or director | 2 | $0 | $0 |
| Scott McKenzie | Director Trustee or director | 2 | $0 | $0 |
| Claude Anderson | Director Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2024: 12 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| John Graham | President / Chief Executive Officer Key employee, Highest-paid employee | 40 | $233,592 | $56,000 |
| Myron Moore | Chief Compliance Officer Key employee | 40 | $135,106 | $28,500 |
| Brandon Cheak | Chief Lending Officer Key employee | 40 | $108,000 | $16,300 |
| Paul Royce | Chairman of Board Trustee or director | 2 | $0 | $0 |
| Ashley Mixson | Vice Chairperson of Board Trustee or director | 2 | $0 | $0 |
| Dr Abdul Turay | Treasurer of Board Trustee or director | 2 | $0 | $0 |
| Singer Buchanan | Secretary of Board Trustee or director | 2 | $0 | $0 |
| James Mason | Director Trustee or director | 2 | $0 | $0 |
| Jay Douds | Director Trustee or director | 2 | $0 | $0 |
| Mary Bailey | Director Trustee or director | 2 | $0 | $0 |
| Scott McKenzie | Director Trustee or director | 2 | $0 | $0 |
| Claude Anderson | Director Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 12 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| John Graham | President / Chief Executive Officer Key employee, Highest-paid employee | 40 | $212,197 | $47,100 |
| Myron Moore | Chief Compliance Officer Key employee | 40 | $123,960 | $23,600 |
| Brandon Cheak | Chief Lending Officer Key employee | 40 | $104,768 | $12,600 |
| Paul Royce | Chairman of Board Trustee or director | 2 | $0 | $0 |
| Ashley Mixson | Vice Chairperson of Board Trustee or director | 2 | $0 | $0 |
| Dr Abdul Turay | Treasurer of Board Trustee or director | 2 | $0 | $0 |
| Singer Buchanan | Secretary of Board Trustee or director | 2 | $0 | $0 |
| James Mason | Director Trustee or director | 2 | $0 | $0 |
| Jay Douds | Director Trustee or director | 2 | $0 | $0 |
| Kathy Whitlock | Director Trustee or director | 2 | $0 | $0 |
| Mary Bailey | Director Trustee or director | 2 | $0 | $0 |
| Scott McKenzie | Director Trustee or director | 2 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 100 MOORE DR, FRANKFORT, KY 40601-8295
- In care of
- % JOHN GRAHAM
- Principal officer (990 for 2025)
- John Graham, 100 Moore Drive, Frankfort, KY 40601
- Signed the 990
- John Graham, Chief Executive Officer
- Phone
- (502) 564-5597
- Website
- www.expree.org
- Return prepared by
- Schmidt & Associates
Mission
Expree Credit Union is dedicated to providing hand crafted solutions for all your financial needs.
Program accomplishments
- The organization is a state chartered member owned cooperative credit union that provides financial services and products to the member owners.Expenses $6,209,272 · revenue $8,376,267
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 61-0245487
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1985
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $114,627,336
- Income (IRS master file)
- $8,378,220
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $8,378,220 | $7,576,180 | $114,627,336 | IRS |
| 990 | December 2024 | $8,018,412 | $6,954,774 | $104,580,209 | IRS |
| 990 | December 2023 | $6,987,085 | $5,920,560 | $98,510,915 | IRS |
| 990 | December 2022 | $5,792,192 | $4,643,931 | $92,581,595 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 61-0245487).
Questions about EXPREE CREDIT UNION
- What is the EIN of EXPREE CREDIT UNION?
- The employer identification number (EIN) of EXPREE CREDIT UNION is 61-0245487.
- Is EXPREE CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1985.
- Are donations to EXPREE CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does EXPREE CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of EXPREE CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did EXPREE CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of EXPREE CREDIT UNION?
- The 990 for the year ended December 31, 2025 names John Graham.
- Who are the officers and directors of EXPREE CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 12 people; 3 received compensation from the organization, the highest $438,617 (John Graham, President / Chief Executive Officer).
- How much revenue does EXPREE CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $8,378,220, expenses of $7,576,180 and total assets of $114,627,336 at year end.
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