2024-07-10T09:24:37-04:00 2023-12-31 472565485 BUCKINGHAM BUSINESS ADVISORS LLC 180-A COMMERCE PARK DR WESTERVILLE OH 430826067 990 2023-01-01 314400124 C E S CREDIT UNION INC CESC 7403971136 P O BOX 631 MOUNT VERNON OH 43050 SANDRA K COFFING CEO 7403971136 2024-06-27 true SANDRA COFFING 999009999 true ERIN ALDERSON EA P01231640 6148906620 2024-06-27 2023 2023-04-26 12:10:37Z SANDRA K COFFING P O BOX 631 MT VERNON OH 43050 10325099 false X WWW.CESCU.COM X 1952 OH THE PURPOSE OF THIS CREDIT UNION SHALL BE TO PROMOTE THRIFT AND TO PROVIDE CREDIT FOR ITS MEMBERS. 8 8 67 8 89024 0 7359941 8945849 753627 1379250 0 8113568 10325099 0 139900 472008 3487501 3855491 0 0 3183588 3553635 6810989 7881134 1302579 2443965 216007452 214514328 195581965 192921406 20425487 21592922 THE PURPOSE OF THIS CREDIT UNION SHALL BE TO PROMOTE THRIFT AND TO PROVIDE CREDIT FOR ITS MEMBERS. false false PROVIDE FINANCIAL SERVICES TO APPROXIMATELY 17,244 MEMBERS. false false false false false false false true false true true false false true false false false false false false false false false false false false false false true false true false false false false false false false false false false false false true 3191 0 67 true true true false false false false false false false X 8 8 false false false false true true true true true false true true false true false false false true true true false X X SANDRA K COFFING 7403971136 P O BOX 631 MT VERNON OH 43050 SANDRA K COFFING CEO 40.00 X 202273 0 11291 MATTHEW SMITH EMPLOYEE 40.00 X 110274 0 0 MIKE COPLEY EMPLOYEE 40.00 X 106274 0 0 JAMIE FORSTER CFO 40.00 X 96074 0 9703 TERESA BEMILLER SECRETARY 1.00 X X 0 0 0 JASON BOOTH BOARD MEMBER 1.00 X 0 0 0 KIM FEARN BOARD MEMBER 1.00 X 0 0 0 CANDICE GALLAGHER BOARD MEMBER 1.00 X 0 0 0 MICHAEL GRAY BOARD MEMBER 1.00 X 0 0 0 LARRY HATTON BOARD MEMBER 1.00 X 0 0 0 MARGARET ANN RUHL VICE CHAIR 1.00 X X 0 0 0 JEFF WELLS CHAIRMAN 1.00 X X 0 0 0 514895 20994 3 false true false JHA PAYMENT PROCESSING JHA PAYMENT PROCESSING PO BOX 91101 SEATTLE WA 98111 DEBIT CARD PROC 682560 MEMBER DRIVEN TECHNOLOGIES MEMBER DRIVEN TECHNOLOGIES 7415 CHICAGO RD WARREN MI 48092 DATA PROCESSOR 590111 UHS PREMIUM BILLING UHS PREMIUM BILLING PO BOX 94017 PALATINE IL 60094 HEALTH INSURANC 278037 TRUSTAGE TRUSTAGE PO BOX 4653 CAROL STREAM IL 60197 DOCUMENT LICENC 132624 4 INTEREST ON LOANS 522100 5823206 5823206 OTHER OPERATING INCOME 522100 1721250 1721250 FEES & COMMISSIONS 522100 1312369 1312369 FOREIGN ATM FEES 522100 89024 89024 8945849 1379250 1379250 10325099 8856825 89024 1379250 472008 298347 2629940 234226 463130 229848 5250 17640 34913 632378 297106 192221 249032 23915 11891 6055 155154 59643 ATM/DEBIT CARD EXPENSE 898970 LOAN SERVICING EXPENSE 322156 MISC OPERATIONS EXPENSE 274577 PROVISION FOR LOAN LOSS 184525 188209 7881134 0 0 0 2932965 2977232 7828069 11718841 745503 757962 111409017 120517983 413241 436453 7116864 4973849 2134477 2143015 85054885 70275585 5489295 5687257 216007452 214514328 1629009 1704439 493367 496281 193459589 190720686 195581965 192921406 X 20425487 21592922 20425487 21592922 216007452 214514328 X 2443965 -1046407 -230123 X false false false false 640767 640767 4086209 2775358 1310851 1535356 1411888 123468 854532 786603 67929 2143015 CERTIFICATES 55113000 AGENCY BOND INVESTMENTS 14040000 CORPORATE CU CAPITALIZATION 911185 FHLB CAPITAL STOCK 211400 70275585 MEMBER SHARES & DEPOSITS 190720686 190720686 X X false false false SANDRA K COFFING CEO 202273 11291 213564 LOAN-COPLEY X 286000 189400 false false true LOAN-GRAY X 133757 133757 false false true LOAN - BELL X 125618 97261 false false true LOAN - COFFING X 45364 38978 false false true LOAN - RUHL X 51835 38272 false false true LOAN - COFFING X 40540 33537 false false true LOAN-FORSTER X 46486 30930 false false true LOAN-GALLAGHER X 29620 29620 false false true LOAN - COFFING X 40020 29108 false false true LOAN - GALLAGHER X 49505 27852 false false true LOAN- WELLS X 41679 22722 false false true LOAN-COPLEY X 54000 19824 false false true LOAN-FEARN X 22470 17112 false false true LOAN-COFFING X 33767 15546 false false true LOAN-RUHL X 11055 8596 false false true LOAN - SMITH X 7986 7519 false false true LOAN-SMITH X 6721 6721 false false true LOAN-COFFING X 33243 3539 false false true LOAN - FEARN X 7847 3423 false false true LOAN-FORSTER X 2959 2981 false false true LOAN-BOOTH X 282 877 false false true LOAN-GLASSTETTER X 15000 261 false false true LOAN-COFFING X 8215 126 false false true 757962 SCHEDULE L, PART II LOAN- WELLS FROM 41,679 22,722 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-COPLEY FROM 54,000 19,824 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-FEARN FROM 22,470 17,112 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-COFFING FROM 33,767 15,546 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-RUHL FROM 11,055 8,596 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN - SMITH FROM 7,986 7,519 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-SMITH FROM 6,721 6,721 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-COFFING FROM 33,243 3,539 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN - FEARN FROM 7,847 3,423 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-FORSTER FROM 2,959 2,981 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-BOOTH FROM 282 877 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-GLASSTETTER FROM 15,000 261 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-COFFING FROM 8,215 126 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT 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. FORM 990, PART XI, LINE 9 CECL IMPLEMENTATION -230,123