Civic Intelligence

C E S Credit Union Inc

990 • Fiscal year 2016 • EIN 31-4400124

Jan 01, 2016 to Dec 31, 2016 • Filed on Jun 13, 2017

Organization ProfileWWW.CESCU.COM

View Organization Page

1215 Yauger RdMount Vernon, OH 43050

(740) 397-1136

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

82nd percentile

0.92x

Higher debt load relative to assets than 82% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

65th percentile

19.87x

Higher debt load relative to revenue than 65% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

63rd percentile

13%

Higher net margin than 63% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

12th percentile

$129,954

Higher top officer pay than 12% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

49th percentile

4.4%

Faster asset growth than 49% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

41st percentile

4.4%

Faster revenue growth than 41% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Up

$134,438,913

Up $5,618,202 (+4.4%) from 2015

Net Assets

Up

$11,334,448

Up $791,389 (+7.5%) from 2015

Liabilities

Up

$123,104,465

Up $4,826,813 (+4.1%) from 2015

Revenue And Expenses
Liabilities / Revenue65th percentileNet Margin63rd percentile

Revenue

Up

$6,194,514

Up $263,767 (+4.4%) from 2015

Expenses

Up

$5,410,130

Up $83,579 (+1.6%) from 2015

Net Income

Up

$784,384

Up $180,188 (+30%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth49th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2016

Assets$134,438,913
Liabilities$123,104,465
Net Assets$11,334,448
Open 2016 Filing

Operations Trend

Revenue Growth41st percentile

Revenue, expenses, and net income across loaded years, with this 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

2016

Revenue$6,194,514
Expenses$5,410,130
Net Income$784,384
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jun 13, 2017
Return Version
2016v3.0
Gross Receipts
$6,194,514
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$56,778,798$65,107,585▲ $8,328,787
Investments Other Securities$55,230,801$52,440,216▼ $2,790,585
Rtn Earn Endowment Incm Other Fnds$10,543,059$11,334,448▲ $791,389
Savings and Temporary Cash Investments$9,398,728$10,313,438▲ $914,710
Land, Buildings, and Equipment, Net$2,714,781$2,569,500▼ $145,281
Cash and Non-Interest-Bearing Accounts$2,578,013$2,231,630▼ $346,383
Prepaid Expenses and Deferred Charges-$358,991-
Total Assets$128,820,711$134,438,913▲ $5,618,202
Other Assets Total$2,119,590$1,417,553▼ $702,037
Liabilities
Other Liabilities$115,325,790$120,018,520▲ $4,692,730
Unsecured Notes Loans Payable$2,000,000$2,000,000→ $0
Accounts Payable and Accrued Expenses$951,862$1,085,945▲ $134,083
Total Liabilities$118,277,652$123,104,465▲ $4,826,813
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,543,059$11,334,448▲ $791,389
Total Liabilities and Net Assets / Fund Balance$128,820,711$134,438,913▲ $5,618,202

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,763,920$2,059,968$3,823,888
Equipment$125,122$1,198,333$1,323,455
Land$603,573-$603,573
Other Land Buildings$76,885$516,445$593,330
Other Securities$1,195,016--
Compensation and Service Providers
Top Officer Pay12th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sandra K CoffingCEOFT$126,356$3,598$129,954
Brittany HahlerCFOFT$66,281$10,713$76,994

Board Members and Trustees

NameTitle
Jeff WellsChairman
Margaret Ann RuhlVice Chair
Candice GallagherBoard Member
Larry HattonBoard Member
Matthew KurtzBoard Member
Jim DiceBoard Secret
Teresa BemillerDirector
Art CrimSupervisory
Galen NeibargerSupervisory
Noreen WeisbergSupervisory
Roy CampbellSupervisory
Roger PorterfieldTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Member Driven TechnologiesData Processor7415 CHICAGO RD, Warren, MI 48092$512,139
Jha Payment ProcessingDebit Card ProcPO BOX 91101, Seattle, WA 98111$415,648
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,495,328
Investment Income
$699,186
Other Revenue
$0
Change in Net Assets
$784,384
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,955,994
Salaries, Compensation, and Employee Benefits$2,352,654
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,655,457
Fees for Services Other---$479,075
Other Employee Benefits---$340,666
Depreciation Depletion---$217,875
Occupancy---$216,295
All Other Expenses---$207,312
Advertising---$205,657
Current Officers, Directors, Trustees, and Key Employees---$192,637
Office Expenses---$168,255
Payroll Taxes---$163,894
Other Expenses---$127,499
Benefits to Members---$101,482
Interest---$85,000
Insurance---$52,694
Fees for Services Accounting---$39,600
Travel---$14,386
Conferences and Meetings---$11,599
Fees for Services Legal---$8,042
Total Functional Expenses$0$0$0$5,410,130
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$120,018,520
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
Yes
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
1215 YAUGER RD, MOUNT VERNON, OH 43050

Signing Officer

Name
Sandra K Coffing
Title
CEO
Phone
7403971136
Signed
2017-06-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sandra K Coffing
Formed
1952
Legal Domicile
Oh
Voting Board Members
8
Independent Board Members
8
Employees
101
Volunteers
12

Preparer

Firm
Weston & Company Cpas LLC
Address
180-A COMMERCE PARK DR, WESTERVILLE, OH 43082-6067
Preparer
Andrew Mathias CPA
Phone
6148906620
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Accumulated other comp income 7,005”

Raw XML AppendixShowing 400 of 423 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/MissionDesc0THE PURPOSE OF THIS CREDIT UNION SHALL BE TO PROMOTE THRIFT AND TO PROVIDE CREDIT FOR ITS MEMBERS.
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/OtherExpensesGrp/Desc2MISC OPERATIONS EXPENSE
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IRS990/PoliciesReferenceChaptersInd0true
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IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & COMMISSIONS
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc3FOREIGN ATM FEES
IRS990/ProgramServiceRevenueGrp/Desc4WARRANTY INCOME
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4200
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1200
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0668623
IRS990/PYOtherExpensesAmt03087132
IRS990/PYProgramServiceRevenueAmt05262124
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IRS990/PYSalariesCompEmpBnftPaidAmt02239419
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IRS990/PYTotalRevenueAmt05930747
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IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
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IRS990ScheduleD/EquipmentGrp/BookValueAmt0125122
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01198333
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01323455
IRS990ScheduleD/LandGrp/BookValueAmt0603573
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IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt076885
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0516445
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0593330
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0120018520
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt11278200
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt21195016
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IRS990ScheduleD/OtherSecuritiesGrp/Desc1CORPORATE CU INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2ALL OTHER INVESTMENTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02569500
IRS990ScheduleD/TotalBookValueSecuritiesAmt052440216
IRS990ScheduleD/TotalLiabilityAmt0120018520
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN TRANSACTIONS AND CHANGES TO THE CODE OF REGULATIONS ARE SUBJECT TO MEMBER APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT WILL REVIEW THE FORM 990 PRIOR TO FILING WITH THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CEO COMPENSATION IS ESTABLISHED AND REVIEWED BY THE COMPENSATION SUBCOMMITTEE, WHO EVALUATE THE CEO'S PERFORMANCE AGAINST MEASURABLE OUTCOMES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EACH 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ACCUMULATED OTHER COMP INCOME 7,005
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
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IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt082023
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IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01215 YAUGER RD
IRS990/USAddress/CityNm0MT VERNON
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd043050
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.CESCU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SANDRA K COFFING
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07403971136
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-06-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0C E S CREDIT UNION INC

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$134,438,913
Liabilities
$123,104,465
Net assets
$11,334,448
Revenue
$6,194,514
Expenses
$5,410,130
Net income
$784,384
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
2016Detailed filing. Detailed filing data is available for this year.$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