2025-08-04T12:13:07-04:00 2024-12-31 994503147 WAVERLY BUSINESS SERVICES 180 A COMMERCE PARK DR WESTERVILLE OH 43082 990 2024-01-01 314400124 C E S CREDIT UNION INC CESC 7403971136 P O BOX 631 MOUNT VERNON OH 43050 SANDRA K COFFING CEO 7403971136 2025-07-28 true true ERIN ALDERSON EA P01231640 6148906620 2025-08-04 2024 2025-03-06 01:10:19Z SANDRA K COFFING P O BOX 631 MT VERNON OH 43050 12054858 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. 9 9 72 9 85243 0 8945849 9957666 1379250 2097192 0 10325099 12054858 0 472008 1093073 3855491 4021261 0 0 3553635 3649358 7881134 8763692 2443965 3291166 214514328 223674898 192921406 198437509 21592922 25237389 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 17,271 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 3262 0 72 true true true false false false false false false false X 9 9 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 212823 0 12772 MATTHEW SMITH CIO 40.00 X 117692 0 17615 MIKE COPLEY COO 40.00 X 109944 0 7786 JAMIE FORSTER CFO 40.00 X 99474 0 11113 TRACY MORGAN CLO 40.00 X 102410 0 0 TERESA BEMILLER SECRETARY 1.00 X X 0 0 0 JASON BOOTH TREASURER 1.00 X X 0 0 0 BRENDA CURRY 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 CINDY MCDOWELL 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 642343 49286 4 false true false JHA PAYMENT PROCESSING JHA PAYMENT PROCESSING PO BOX 91101 SEATTLE WA 98111 DEBIT CARD PROC 625152 MEMBER DRIVEN TECHNOLOGIES MEMBER DRIVEN TECHNOLOGIES 7415 CHICAGO RD WARREN MI 48092 DATA PROCESSOR 598116 MODERN BUILDERS MODERN BUILDERS 490 HARCOURT ROAD MOUNT VERNON OH 43050 CONSTRUCTION 427815 UHS PREMIUM BILLING UHS PREMIUM BILLING PO BOX 94017 PALATINE IL 60094 HEALTH INSURANC 343029 DIEBOLD NIXDORF DIEBOLD NIXDORF PO BOX 643543 PITTSBURGH PA 15264 TECHNOLOGY 131782 5 INTEREST ON LOANS 522100 6871236 6871236 OTHER OPERATING INCOME 522100 1714406 1714406 FEES & COMMISSIONS 522100 1286781 1286781 FOREIGN ATM FEES 522100 85243 85243 9957666 2097192 2097192 12054858 9872423 85243 2097192 1093073 642343 2386739 233873 519835 238471 9000 19349 35638 697970 284103 206364 279845 25299 15113 205390 61670 ATM/DEBIT CARD EXPENSE 965497 LOAN SERVICING EXPENSE 332444 MISC OPERATIONS EXPENSE 284515 TELEPHONE 50244 176917 8763692 0 0 0 2977232 3357527 11718841 12164688 757962 745589 120517983 119464167 436453 498151 7732458 5179239 2143015 2553219 70275585 79194385 5687257 5697172 214514328 223674898 1704439 1360643 496281 562856 190720686 196514010 192921406 198437509 X 21592922 25237389 21592922 25237389 214514328 223674898 3291166 353301 X false false false false 640767 640767 4542187 2908694 1633493 1659118 1449877 209241 890386 820668 69718 2553219 CERTIFICATES 60582000 AGENCY BOND INVESTMENTS 17500000 CORPORATE CU CAPITALIZATION 911185 FHLB CAPITAL STOCK 201200 79194385 MEMBER SHARES & DEPOSITS 196514010 196514010 X X false false false SANDRA K COFFING CEO 212823 12772 225595 LOAN-COPLEY X 286000 160000 false false true LOAN-GRAY X 133757 125012 false false true LOAN-MORGAN X 92001 92001 false false true LOAN - BELL X 125618 69140 false false true LOAN-COPLEY X 36850 36850 false false true LOAN - COFFING X 45364 32284 false false true LOAN - RUHL X 51835 31097 false false true LOAN-RUHL X 29668 29668 false false true LOAN - COFFING X 40540 26271 false false true LOAN-GALLAGHER X 29620 23690 false false true LOAN - COFFING X 40020 23364 false false true LOAN-BELL X 15899 15899 false false true LOAN- WELLS X 41679 12812 false false true LOAN-FORSTER X 9531 12120 false false true LOAN-FEARN X 22470 11080 false false true LOAN-FORSTER X 46486 9531 false false true LOAN-COFFING X 33767 9217 false false true LOAN - SMITH X 7986 7080 false false true LOAN-RUHL X 11055 5775 false false true LOAN-SMITH X 6721 3801 false false true LOAN-FORSTER X 2959 2883 false false true LOAN-COFFING X 33243 2210 false false true LOAN-MORGAN X 1460 1460 false false true LOAN - FEARN X 7847 1083 false false true LOAN-GLASSTETTER X 15000 498 false false true LOAN-BOOTH X 282 397 false false true LOAN-COFFING X 8215 298 false false true LOAN - GALLAGHER X 49505 68 false false true 745589 SCHEDULE L, PART II LOAN - COFFING FROM 40,020 23,364 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-BELL FROM 15,899 15,899 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN- WELLS FROM 41,679 12,812 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-FORSTER FROM 9,531 12,120 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-FEARN FROM 22,470 11,080 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-FORSTER FROM 46,486 9,531 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-COFFING FROM 33,767 9,217 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN - SMITH FROM 7,986 7,080 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-RUHL FROM 11,055 5,775 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-SMITH FROM 6,721 3,801 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-FORSTER FROM 2,959 2,883 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-COFFING FROM 33,243 2,210 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-MORGAN FROM 1,460 1,460 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN - FEARN FROM 7,847 1,083 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-GLASSTETTER FROM 15,000 498 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-BOOTH FROM 282 397 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN-COFFING FROM 8,215 298 ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT LOAN - GALLAGHER FROM 49,505 68 ( ) 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.