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Overview / Commentary
1215 Yauger Rd
Mount Vernon, OH 43050-9233

C E S Credit Union is headquartered in Mount Vernon and is the 51st largest credit union in the state of Ohio. It is also the 1,314st largest credit union in the nation. It was established in 1952 and as of March of 2014, it had grown to 43 employees and 16,644 members. C E S Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Knox, Licking, Delaware, Richland or Ashland county. Plus we offer our membership to the employees of over 50 select employers or groups, and to the family members of our present members (son, daughter, spouses, siblings, grandparents). - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 C E S Credit Union had $340,000 in non-current loans and owned real-estate with $9.76 million in equity and loan loss allowances on hand to cover it. This gives C E S Credit Union a Texas Ratio of 3.47% which is excellent. 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 dramatically from 5.76% as of March 31, 2013 to 3.47% as of March 31, 2014, resulting in a positive change of 39.73%.This indicates that the balance sheet and financial strength for C E S Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, C E S Credit Union has decreased its total deposits by $-153,000, resulting in -0.14% 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 average.



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 $124.74 million in assets with $9.76 million in equity, resulting in a capitalization level of 7.82%, which is below average.

Institution Statistics

NCUA #62352
Year Chartered1952
Primary Regulator
Assets and Liabilities
Assets$124.74 million
Loans$51.78 million
Deposits$112.13 million
Equity Capital$9.52 million
Loan Loss Allowance$240,000
Unbacked Noncurrent Loans$240,000
Real Estate Owned$100,000
Historic Data - March 2013
Assets$123.86 million
Equity Capital$8.88 million
Loan Loss Allowance$398,000
Unbacked Noncurrent Loans$240,000
Real Estate Owned$156,000
Profit Margin - Quarterly
Net Interest Margin1.17%
Return on Assets0.72%
Return on Equity9.41%
Interest Income$812,000

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C E S Credit Union Savings Account Rates

0.25%--Christmas Club
0.10%--IRA Share
0.10%--Roth IRA Share
0.10%--CESA Share
0.05%--Regular Shares

C E S Credit Union Money Market Rates

0.05%$2,500-Money Market Account

C E S Credit Union Checking Account Rates

0.02%--Share Draft

C E S Credit Union CD Rates

0.75%$500-59 Month Share Certificate
0.75%$500-60 Month Share Certificate
0.60%$500-47 Month Share Certificate
0.60%$500-48 Month Share Certificate
0.50%$500-37 Month Share Certificate
0.40%$500-36 Month Share Certificate
0.38%$500-30 Month Share Certificate
0.37%$500-27 Month Share Certificate
0.35%$500-24 Month Share Certificate
0.20%$500-13 Month Share Certificate
0.20%$500-18 Month Share Certificate
0.15%$500-11 Month Share Certificate
0.15%$500-12 Month Share Certificate
0.10%$500-6 Month Share Certificate
0.10%$500-7 Month Share Certificate

C E S Credit Union IRA Rates

0.75%$500-59 Month IRA Share Certificate
0.75%$500-60 Month IRA Share Certificate
0.60%$500-47 Month IRA Share Certificate
0.60%$500-48 Month IRA Share Certificate
0.50%$500-37 Month IRA Share Certificate
0.40%$500-36 Month IRA Share Certificate
0.38%$500-30 Month IRA Share Certificate
0.37%$500-27 Month IRA Share Certificate
0.35%$500-24 Month IRA Share Certificate
0.20%$500-13 Month IRA Share Certificate
0.20%$500-18 Month IRA Share Certificate
0.15%$500-11 Month IRA Share Certificate
0.15%$500-12 Month IRA Share Certificate
0.10%$500-6 Month IRA Share Certificate
0.10%$500-7 Month IRA Share Certificate

C E S Credit Union Locations
Branch Office1215 Yauger RdMount Vernon, OH 43050-9233
Branch Office400 W Chestnut StMount Vernon, OH 43050-2312
Branch Office33 London RdDelaware, OH 43015-2613
Branch Office3030 State Route 3Loudonville, OH 44842-9526
Branch Office8 N Main StUtica, OH 43080-7706