Civic Intelligence

C E S Credit Union Inc

990 • Fiscal year 2019 • EIN 31-4400124

Jan 01, 2019 to Dec 31, 2019 • Filed on Aug 13, 2020

Organization ProfileWWW.CESCU.COM

View Organization Page

P O Box 631Mount Vernon, OH 43050

(740) 397-1136

Siviq Scores

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

Liabilities / Assets

55th percentile

0.89x

Higher debt load relative to assets than 55% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Liabilities / Revenue

52nd percentile

16.62x

Higher debt load relative to revenue than 52% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Net Margin

91st percentile

25%

Higher net margin than 91% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Top Officer Pay

20th percentile

$162,070

Higher top officer pay than 20% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Asset Growth

29th percentile

2.0%

Faster asset growth than 29% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Revenue Growth

44th percentile

7.5%

Faster revenue growth than 44% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets55th percentile

Assets

Up

$148,510,347

Up $8,670,301 (+6.2%) from 2017

Net Assets

Up

$16,328,379

Up $3,701,533 (+29%) from 2017

Liabilities

Up

$132,181,968

Up $4,968,768 (+3.9%) from 2017

Revenue And Expenses
Liabilities / Revenue52nd percentileNet Margin91st percentile

Revenue

Up

$7,952,688

Up $1,367,664 (+21%) from 2017

Expenses

Up

$6,000,055

Up $624,386 (+12%) from 2017

Net Income

Up

$1,952,633

Up $743,278 (+61%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth29th 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

2019

Assets$148,510,347
Liabilities$132,181,968
Net Assets$16,328,379
Open 2019 Filing

Operations Trend

Revenue Growth44th 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

2019

Revenue$7,952,688
Expenses$6,000,055
Net Income$1,952,633
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Aug 13, 2020
Return Version
2019v5.0
Gross Receipts
$7,952,688
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$82,918,257$84,244,928▲ $1,326,671
Investments Other Securities$44,840,200$45,570,200▲ $730,000
Rtn Earn Endowment Incm Other Fnds$14,375,746$16,328,379▲ $1,952,633
Savings and Temporary Cash Investments$9,434,529$9,451,422▲ $16,893
Cash and Non-Interest-Bearing Accounts$2,258,915$3,168,326▲ $909,411
Land, Buildings, and Equipment, Net$2,391,204$2,278,381▼ $112,823
Prepaid Expenses and Deferred Charges$277,034$272,238▼ $4,796
Total Assets$145,623,659$148,510,347▲ $2,886,688
Other Assets Total$3,503,520$3,524,852▲ $21,332
Liabilities
Other Liabilities$130,165,819$131,071,284▲ $905,465
Accounts Payable and Accrued Expenses$1,082,094$1,110,684▲ $28,590
Total Liabilities$131,247,913$132,181,968▲ $934,055
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,375,746$16,328,379▲ $1,952,633
Total Liabilities and Net Assets / Fund Balance$145,623,659$148,510,347▲ $2,886,688

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,493,147$2,364,179$3,857,326
Equipment$58,649$1,330,381$1,389,030
Other Land Buildings$85,818$620,929$706,747
Land$640,767-$640,767
Other Securities$378,200--
Compensation and Service Providers
Top Officer Pay20th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sandra K CoffingCEOFT$153,229$8,841$162,070
Brittany HahlerCFOFT$80,840$11,813$92,653

Board Members and Trustees

NameTitle
Jeff WellsChairman
Margaret Ann RuhlVice Chair
Candice GallagherBoard Member
Jason BoothBoard Member
Kim FearnBoard Member
Larry HattonBoard Member
Matthew KurtzBoard Member
Teresa BemillerSecretary
Roger PorterfieldTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jha Payment ProcessingDebit Card ProcPO BOX 91101, Seattle, WA 98111$625,741
Member Driven TechnologiesData Processor7415 CHICAGO RD, Warren, MI 48092$488,222
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,775,625
Investment Income
$1,177,063
Other Revenue
$0
Change in Net Assets
$1,952,633
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,995,578
Salaries, Compensation, and Employee Benefits$2,890,757
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,881,409
Other Employee Benefits---$608,951
Fees for Services Other---$479,221
Current Officers, Directors, Trustees, and Key Employees---$234,069
Occupancy---$226,336
Other Expenses---$217,779
Advertising---$206,519
All Other Expenses---$195,699
Depreciation Depletion---$171,736
Payroll Taxes---$166,328
Office Expenses---$158,833
Benefits to Members---$113,720
Insurance---$52,168
Fees for Services Accounting---$31,020
Travel---$17,169
Conferences and Meetings---$11,766
Fees for Services Legal---$182
Interest---$119
Total Functional Expenses$0$0$0$6,000,055
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$131,071,284
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
2020-08-13
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
75
Volunteers
9

Preparer

Firm
Buckingham Business Advisors LLC
Address
180-A COMMERCE PARK DR, WESTERVILLE, OH 43082-6067
Preparer
Erin Alderson Ea
Phone
6148906620
Raw XML AppendixShowing 400 of 410 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.

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IRS990ScheduleD/EquipmentGrp/BookValueAmt058649
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01330381
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01389030
IRS990ScheduleD/LandGrp/BookValueAmt0640767
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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0620929
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2378200
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IRS990ScheduleD/OtherSecuritiesGrp/Desc2FHLB CAPITAL STOCK
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IRS990ScheduleJ/SeverancePaymentInd0false
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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/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
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IRS990/VotingMembersGoverningBodyCnt09
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IRS990/WebsiteAddressTxt0WWW.CESCU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02021-04-22 16:20:28Z
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ReturnHeader/BusinessOfficerGrp/PhoneNum07403971136
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-08-13
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ReturnHeader/FilingSecurityInformation/IPTm012:09:24
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0472565485
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BUCKINGHAM BUSINESS ADVISORS LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0180-A COMMERCE PARK DR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WESTERVILLE

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$148,510,347
Liabilities
$132,181,968
Net assets
$16,328,379
Revenue
$7,952,688
Expenses
$6,000,055
Net income
$1,952,633
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
2019Detailed filing. Detailed filing data is available for this year.$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