State credit union · MOUNT VERNON, Ohio · NCUA charter #62352
C E S
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $235.7M
- Total assets
- 17,621
- Members
- 12.8%
- Net-worth ratio
C E S scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $235.7M; members 17,621; net-worth ratio 12.82%; health rank #372 of 4,374; healthier than 90th of scored peers.
NCUA 5300 Call Report masthead
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C E S vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); C E S sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for C E S
- Return on Assets leads the peer set - 1.39% here, 0.62% peer average (+0.77 pp).
- Loan-to-Share Ratio trails the peer set - 64.86% here, 72.20% peer average (-7.34 pp).
Ohio standing for C E S
- Ohio health ordinal: #15 of 196.
- Ohio assets place: #41 of 196.
- Member book place in Ohio: #40 of 196.
- One place up in Ohio, DYNAMIC (#14) ties at 95/100; one place down, Glass City (#16) ties at 95/100.
C E S: 2025Q4 → 2026Q1
C E S: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $235.7M (2025Q4) to $240.7M (2026Q1).
- Net-worth ratio shifted +0.17 pp (12.65% → 12.82%).
12.82% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
C E S gives up 5 points in total. Member Growth costs the most, 3.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 13.6 pts
C E S health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.82% | +0.71 pp |
| Delinquency Rate | 0.30% | -0.59 pp |
| Return on Assets | 1.39% | +0.77 pp |
| Member Growth | 2.03% | - |
| Loan-to-Share Ratio | 64.86% | -7.34 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - C E S
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $240.7M | - |
| 2025Q4 | $235.7M | 17,621 |
| 2024Q4 | $223.7M | 17,271 |
| 2023Q4 | $214.5M | 17,244 |
Credit Union Details
- Charter Number
- 62352
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- MOUNT VERNON
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for C E S, spread across 5 cities.
| Office | City |
|---|---|
| Yauger Road Center (Main Office) | Mount Vernon, OH |
| Coshocton Center | Coshocton, OH |
| Delaware Center | Delaware, OH |
| Loudonville Center | Loudonville, OH |
| West Chestnut Center | Mount Vernon, OH |
| Utica Center | Utica, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
C E S nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- C E S ranks #372 of 4,374 nationally on financial health and #15 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- QUEST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with QUEST
Frequently Asked Questions
Is C E S financially healthy?
On its 2025Q4 NCUA 5300 filing, C E S scores 95/100 (Excellent), with a 12.82% net worth ratio and 0.30% of loans delinquent. It ranks #372 of 4,374 nationally on health and #15 of 196 in Ohio.
How does C E S compare to other credit unions?
C E S scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (1.39% vs 0.62%). Its widest shortfall is loan-to-share ratio (64.86% vs 72.20%).
How can I join C E S?
Membership eligibility for C E S depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact C E S directly for current membership requirements and application steps.
Is my money safe at C E S?
C E S is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. C E S's net worth ratio of 12.82% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.