Civic Intelligence

C E S Credit Union Inc

EIN 31-4400124 • 501(c)14 • Mount Vernon, OH

View Organization Page

Profile

The purpose of this credit union shall be to promote thrift and to provide credit for its members.

P O Box 631Mount Vernon, OH 43050

www.cescu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

44th percentile

0.89x

Higher debt load relative to assets than 44% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

67th percentile

16.46x

Higher debt load relative to revenue than 67% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

93rd percentile

27%

Higher net margin than 93% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

44th percentile

$225,595

Higher top officer pay than 44% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

65th percentile

4.3%

Faster asset growth than 65% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

66th percentile

17%

Faster revenue growth than 66% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets44th percentile

Assets

Up

$223,674,898

Up $7,667,446 (+3.5%) from 2022

Liabilities

Up

$198,437,509

Up $2,855,544 (+1.5%) from 2022

Net Assets

Up

$25,237,389

Up $4,811,902 (+24%) from 2022

Operations
Liabilities / Revenue67th percentileNet Margin93rd percentile

Revenue

Up

$12,054,858

Up $3,941,290 (+49%) from 2022

Expenses

Up

$8,763,692

Up $1,952,703 (+29%) from 2022

Net Income

Up

$3,291,166

Up $1,988,587 (+153%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth65th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$300M$200M$100M$0Assets 2010: $112,273,419Liabilities 2010: $103,408,264Net Assets 2010: $8,865,1552010Assets 2011: $118,748,091Liabilities 2011: $110,065,571Net Assets 2011: $8,682,5202011Assets 2012: $118,523,758Liabilities 2012: $109,681,803Net Assets 2012: $8,841,9552012Assets 2013: $119,950,597Liabilities 2013: $110,658,978Net Assets 2013: $9,291,6192013Assets 2014: $123,518,935Liabilities 2014: $113,580,072Net Assets 2014: $9,938,8632014Assets 2015: $128,820,711Liabilities 2015: $118,277,652Net Assets 2015: $10,543,0592015Assets 2016: $134,438,913Liabilities 2016: $123,104,465Net Assets 2016: $11,334,4482016Assets 2017: $139,840,046Liabilities 2017: $127,213,200Net Assets 2017: $12,626,8462017Assets 2019: $148,510,347Liabilities 2019: $132,181,968Net Assets 2019: $16,328,3792019Assets 2020: $179,230,950Liabilities 2020: $161,375,927Net Assets 2020: $17,855,0232020Assets 2021: $208,699,156Liabilities 2021: $189,576,248Net Assets 2021: $19,122,9082021Assets 2022: $216,007,452Liabilities 2022: $195,581,965Net Assets 2022: $20,425,4872022Assets 2024: $223,674,898Liabilities 2024: $198,437,509Net Assets 2024: $25,237,3892024

Highlighted filing

2024

Assets$223,674,898
Liabilities$198,437,509
Net Assets$25,237,389
Open 2024 Filing

Operations Trend

Revenue Growth66th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$15M$10M$5.0M$0Expenses 2010: $6,591,6562010Expenses 2011: $6,202,3212011Expenses 2012: $5,618,7642012Revenue 2013: $5,794,655Expenses 2013: $5,344,991Net Income 2013: $449,6642013Revenue 2014: $5,693,845Expenses 2014: $5,046,601Net Income 2014: $647,2442014Revenue 2015: $5,930,747Expenses 2015: $5,326,551Net Income 2015: $604,1962015Revenue 2016: $6,194,514Expenses 2016: $5,410,130Net Income 2016: $784,3842016Revenue 2017: $6,585,024Expenses 2017: $5,375,669Net Income 2017: $1,209,3552017Revenue 2019: $7,952,688Expenses 2019: $6,000,055Net Income 2019: $1,952,6332019Revenue 2020: $7,445,767Expenses 2020: $5,919,123Net Income 2020: $1,526,6442020Revenue 2021: $7,355,905Expenses 2021: $6,193,075Net Income 2021: $1,162,8302021Revenue 2022: $8,113,568Expenses 2022: $6,810,989Net Income 2022: $1,302,5792022Revenue 2024: $12,054,858Expenses 2024: $8,763,692Net Income 2024: $3,291,1662024

Highlighted filing

2024

Revenue$12,054,858
Expenses$8,763,692
Net Income$3,291,166
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$223,674,898
Liabilities
$198,437,509
Net assets
$25,237,389
Revenue
$12,054,858
Expenses
$8,763,692
Net income
$3,291,166
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$224$198$25.2$12.1$8.76$3.29
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$216$196$20.4$8.11$6.81$1.30
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$209$190$19.1$7.36$6.19$1.16
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$179$161$17.9$7.45$5.92$1.53
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$149$132$16.3$7.95$6.00$1.95
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$140$127$12.6$6.59$5.38$1.21
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$134$123$11.3$6.19$5.41$0.78
2015Detailed filing. Detailed filing data is available for this year.$129$118$10.5$5.93$5.33$0.60
2014Detailed filing. Detailed filing data is available for this year.$124$114$9.94$5.69$5.05$0.65
2013Detailed filing. Detailed filing data is available for this year.$120$111$9.29$5.79$5.34$0.45
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$119$110$8.84$5.62
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$119$110$8.68$6.20
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$112$103$8.87$6.59
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 28, 2025
Return Version
2024v5.0
Gross Receipts
$12,054,858
Mission and Program Overview

Mission

The purpose of this credit union shall be to promote thrift and to provide credit for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$120,517,983$119,464,167▼ $1,053,816
Investments Other Securities$70,275,585$79,194,385▲ $8,918,800
Rtn Earn Endowment Incm Other Fnds$21,592,922$25,237,389▲ $3,644,467
Savings and Temporary Cash Investments$11,718,841$12,164,688▲ $445,847
Cash and Non-Interest-Bearing Accounts$2,977,232$3,357,527▲ $380,295
Land, Buildings, and Equipment, Net$2,143,015$2,553,219▲ $410,204
Receivables From Officers Etc$757,962$745,589▼ $12,373
Prepaid Expenses and Deferred Charges$436,453$498,151▲ $61,698
Total Assets$214,514,328$223,674,898▲ $9,160,570
Other Assets Total$5,687,257$5,697,172▲ $9,915
Liabilities
Other Liabilities$190,720,686$196,514,010▲ $5,793,324
Accounts Payable and Accrued Expenses$1,704,439$1,360,643▼ $343,796
Escrow Account Liability$496,281$562,856▲ $66,575
Total Liabilities$192,921,406$198,437,509▲ $5,516,103
Net Assets / Fund Balance
Total Net Assets Fund Balance$21,592,922$25,237,389▲ $3,644,467
Total Liabilities and Net Assets / Fund Balance$214,514,328$223,674,898▲ $9,160,570

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,633,493$2,908,694$4,542,187
Equipment$209,241$1,449,877$1,659,118
Other Land Buildings$69,718$820,668$890,386
Land$640,767-$640,767
Other Securities$201,200--
Compensation and Service Providers
Top Officer Pay44th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sandra K CoffingCEOFT$212,823$12,772$225,595
Matthew SmithCIOFT$117,692$17,615$135,307
Mike CopleyCOOFT$109,944$7,786$117,730
Jamie ForsterCFOFT$99,474$11,113$110,587
Tracy MorganCLOFT$102,410-$102,410

Board Members and Trustees

NameTitle
Jeff WellsChairman
Margaret Ann RuhlVice Chair
Brenda CurryBoard Member
Candice GallagherBoard Member
Cindy McdowellBoard Member
Kim FearnBoard Member
Michael GrayBoard Member
Teresa BemillerSecretary
Jason BoothTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jha Payment ProcessingDebit Card ProcPO BOX 91101, Seattle, WA 98111$625,152
Member Driven TechnologiesData Processor7415 CHICAGO RD, Warren, MI 48092$598,116
Modern BuildersConstruction490 HARCOURT ROAD, Mount Vernon, OH 43050$427,815
Uhs Premium BillingHealth InsurancPO BOX 94017, Palatine, IL 60094$343,029
Diebold NixdorfTechnologyPO BOX 643543, Pittsburgh, PA 15264$131,782
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,957,666
Investment Income
$2,097,192
Other Revenue
$0
Change in Net Assets
$3,291,166
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$4,021,261
Other Expenses$3,649,358
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,386,739
Benefits to Members---$1,093,073
Fees for Services Other---$697,970
Current Officers, Directors, Trustees, and Key Employees---$642,343
Other Employee Benefits---$519,835
Advertising---$284,103
Occupancy---$279,845
Payroll Taxes---$238,471
Pension Plan Contributions---$233,873
Office Expenses---$206,364
Depreciation Depletion---$205,390
All Other Expenses---$176,917
Insurance---$61,670
Other Expenses---$50,244
Fees for Services Accounting---$35,638
Travel---$25,299
Fees for Services Legal---$19,349
Conferences and Meetings---$15,113
Fees for Services Management---$9,000
Total Functional Expenses$0$0$0$8,763,692
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$757,962$745,589▼ $12,373
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$196,514,010
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The organization has members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors are elected by the members.”

Form 990, Page 6, Part VI, Line 7B

“Certain transactions and changes to the code of regulations are subject to member approval.”

Form 990, Page 6, Part VI, Line 11B

“Management will review the form 990 prior to filing with the irs.”

Form 990, Page 6, Part VI, Line 15A

“Ceo compensation is established and reviewed by the compensation subcommittee, who evaluate the ceo's performance against measurable outcomes.”

Form 990, Page 6, Part VI, Line 15B

“Each officer has a performance review annually where pre-established goals are measured by the ceo. Additionally, the ceo reviews other executive compensation with the use of third party comparable data.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and conflict of interest policy are not available to the public. The financial statements are included in the annual meeting handout and posted inside of local branches.”

Filing and Contact Details

Filer

Filer Name
C E S Credit Union Inc
EIN
31-4400124
Phone
7403971136
Address
P O BOX 631, MOUNT VERNON, OH 43050

Signing Officer

Name
Sandra K Coffing
Title
CEO
Phone
7403971136
Signed
2025-07-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sandra K Coffing
Formed
1952
Legal Domicile
Oh
Voting Board Members
9
Independent Board Members
9
Employees
72
Volunteers
9

Preparer

Firm
Waverly Business Services
Address
180 A COMMERCE PARK DR, WESTERVILLE, OH 43082
Preparer
Erin Alderson Ea
Phone
6148906620
Raw XML AppendixShowing 400 of 658 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
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