C E S Credit Union

P.O. Box 631
Mount Vernon, OH 43050
888-397-1136
www.cescu.com

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C E S Credit Union is headquartered in Mount Vernon and is the 48^th largest credit union in the state of Ohio. It is also the 1,261^st largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 44 employees and 17,881 members. C E S Credit Union has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

C E S Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.05%	-	-	Share Draft

C E S Credit Union Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	IRA Share
0.25%	-	-	Christmas Club
0.10%	-	-	Regular Shares

C E S Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.15%	$25k	-	Money Market Account

C E S Credit Union CD Rates

Apy	Min	Max	Product
1.25%	$500	-	60 Month Share Certificate
1.20%	$500	-	59 Month Share Certificate
0.90%	$500	-	47 Month Share Certificate
0.80%	$500	-	48 Month Share Certificate
0.60%	$500	-	37 Month Share Certificate
0.50%	$500	-	27 Month Share Certificate
0.50%	$500	-	30 Month Share Certificate
0.50%	$500	-	36 Month Share Certificate
0.40%	$500	-	24 Month Share Certificate
0.35%	$500	-	18 Month Share Certificate
0.30%	$500	-	13 Month Share Certificate
0.25%	$500	-	11 Month Share Certificate
0.25%	$500	-	12 Month Share Certificate
0.20%	$500	-	6 Month Share Certificate
0.20%	$500	-	7 Month Share Certificate

C E S Credit Union IRA Rates

Apy	Min	Max	Product
1.25%	$500	-	60 Month IRA Share Certificate
1.25%	$500	-	60 Month Roth IRA Share Certificate
1.25%	$500	-	60 Month CESA Share Certificate
1.20%	$500	-	59 Month IRA Share Certificate
1.20%	$500	-	59 Month Roth IRA Share Certificate
1.20%	$500	-	59 Month CESA Share Certificate
0.90%	$500	-	47 Month IRA Share Certificate
0.90%	$500	-	47 Month Roth IRA Share Certificate
0.90%	$500	-	47 Month CESA Share Certificate
0.80%	$500	-	48 Month IRA Share Certificate
0.80%	$500	-	48 Month Roth IRA Share Certificate
0.80%	$500	-	48 Month CESA Share Certificate
0.60%	$500	-	37 Month IRA Share Certificate
0.60%	$500	-	37 Month Roth IRA Share Certificate
0.60%	$500	-	37 Month CESA Share Certificate
0.50%	$500	-	27 Month IRA Share Certificate
0.50%	$500	-	30 Month IRA Share Certificate
0.50%	$500	-	36 Month IRA Share Certificate
0.50%	$500	-	27 Month Roth IRA Share Certificate
0.50%	$500	-	30 Month Roth IRA Share Certificate
0.50%	$500	-	36 Month Roth IRA Share Certificate
0.50%	$500	-	27 Month CESA Share Certificate
0.50%	$500	-	30 Month CESA Share Certificate
0.50%	$500	-	36 Month CESA Share Certificate
0.40%	$500	-	24 Month IRA Share Certificate
0.40%	$500	-	24 Month Roth IRA Share Certificate
0.40%	$500	-	24 Month CESA Share Certificate
0.35%	$500	-	18 Month IRA Share Certificate
0.35%	$500	-	18 Month Roth IRA Share Certificate
0.35%	$500	-	18 Month CESA Share Certificate
0.30%	$500	-	13 Month IRA Share Certificate
0.30%	$500	-	13 Month Roth IRA Share Certificate
0.30%	$500	-	13 Month CESA Share Certificate
0.25%	$500	-	11 Month IRA Share Certificate
0.25%	$500	-	12 Month IRA Share Certificate
0.25%	$500	-	11 Month Roth IRA Share Certificate
0.25%	$500	-	12 Month Roth IRA Share Certificate
0.25%	$500	-	11 Month CESA Share Certificate
0.25%	$500	-	12 Month CESA Share Certificate
0.20%	$500	-	6 Month IRA Share Certificate
0.20%	$500	-	7 Month IRA Share Certificate
0.20%	$500	-	6 Month Roth IRA Share Certificate
0.20%	$500	-	7 Month Roth IRA Share Certificate
0.20%	$500	-	6 Month CESA Share Certificate
0.20%	$500	-	7 Month CESA Share Certificate

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

C E S
NCUA #	62352
BankRate Report	View
Year Chartered	1952
Employees	44
Primary Regulator
Assets and Liabilities
Assets	$118.75 million
Loans	$41.28 million
Deposits	$104.52 million
Equity Capital	$8.68 million
Loan Loss Allowance	$749,000
Unbacked Noncurrent Loans	$1.24 million
Real Estate Owned	$187,000
Historic Data - December 2010
Assets	$112.27 million
Equity Capital	$8.86 million
Loan Loss Allowance	$973,000
Unbacked Noncurrent Loans	$1.61 million
Real Estate Owned	$146,000
Profit Margin - Quarterly
Net Interest Margin	6.6%
Return on Assets	-0.15%
Return on Equity	-2.1%
Interest Income	$3.91 million
Non-Interest Income	$2.11 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 C E S Credit Union had $1.43 million in non-current loans and owned real-estate with $9.43 million in equity and loan loss allowances on hand to cover it. This gives C E S Credit Union a Texas Ratio of 15.15% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for C E S Credit Union decreased slightly from 17.85% as of December 31, 2010 to 15.15% as of December 31, 2011, resulting in a positive change of 15.12%.This indicates that the balance sheet and financial strength for C E S Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, C E S Credit Union has increased its total deposits by $6.57 million, resulting in 6.7% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth C E S Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. C E S Credit Union has $118.75 million in assets with $9.43 million in equity, resulting in a capitalization level of 7.94%, which is below average.