TellerScore

Headquartered in Mount Vernon, Ohio, C E S Credit Union is a federally insured state-chartered credit union with $244.3M in total assets and $210.7M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1952.

Based on its Q2 2026 filing, C E S Credit Union scores 91/100, which we describe as very strong. That is higher than 96% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 12th. Its strongest component is problem-loan coverage (99/100; 0.7%), and its lowest is capital cushion (81/100; 13.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Net worth ratio: 13.10%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.16%
Earnings94/100
Return on assets (annualized): 1.84%
Funding & liquidity92/100
Loans ÷ shares: 68.3% · 3.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.71%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (86 → 91), mostly because the capital cushion component improved by 12 points.

TellerScore
818691Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202483
Q4 202483
Q1 202585
Q2 202586
Q3 202588
Q4 202587
Q1 202689
Q2 202691
Net worth ratio
7.00%10.05%13.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.14%
Q3 202411.69%
Q4 202411.65%
Q1 202511.73%
Q2 202511.89%
Q3 202512.40%
Q4 202512.65%
Q1 202612.82%
Q2 202613.10%
Delinquent loans (60+ days)
0.10%0.21%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20240.18%
Q4 20240.33%
Q1 20250.13%
Q2 20250.12%
Q3 20250.10%
Q4 20250.30%
Q1 20260.15%
Q2 20260.16%
Return on assets
1.37%1.61%1.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.37%
Q3 20241.44%
Q4 20241.47%
Q1 20251.44%
Q2 20251.54%
Q3 20251.59%
Q4 20251.62%
Q1 20261.73%
Q2 20261.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$244.3M13.10%0.16%1.84%68.3%
Q1 202689$240.7M12.82%0.15%1.73%66.4%
Q4 202587$235.7M12.65%0.30%1.62%64.9%
Q3 202588$231.9M12.40%0.10%1.59%64.4%
Q2 202586$233.9M11.89%0.12%1.54%61.8%
Q1 202585$229.4M11.73%0.13%1.44%60.7%
Q4 202483$223.7M11.65%0.33%1.47%61.3%
Q3 202483$214.8M11.69%0.18%1.44%64.7%
Q2 202481$217.9M11.14%0.24%1.37%63.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.10%
70th
Problem loans0.16%
92nd
Net charge-offs0.17%
74th
Return on assets1.84%
96th
Loans to deposits68.3%
64th
Uninsured deposits3.0%
82nd
Loan-loss reserves0.00%
50th
Texas ratio0.7%
92nd

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Ohio Valley Community Federal Credit UnionCredit union Clarington, OH72 out of 100, Strong$243.6M13.4%1.59%vs
Quest Federal Credit UnionCredit union Kenton, OH60 out of 100, Moderate$237.5M8.8%0.94%vs
First Service Federal Credit UnionCredit union Groveport, OH72 out of 100, Strong$236.3M10.2%0.12%vs
Truecore Federal Credit UnionCredit union Newark, OH67 out of 100, Moderate$255.4M9.3%0.46%vs
Bridge Credit UnionCredit union Powell, OH64 out of 100, Moderate$256.8M10.2%0.75%vs
Associated School Employees Credit UnionCredit union Youngstown, OH70 out of 100, Strong$222.1M10.3%0.30%vs

Deposit insurance

Is my money safe at C E S Credit Union?

Yes. C E S Credit Union is a federally insured credit union (NCUA charter #62352). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.0% of shares and deposits ($6.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.10%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

C E S Credit Union lists 6 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
C E S Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62352
RSSD ID
811493
Primary regulator
State + NCUA
Established
1952
Headquarters
P.O. Box 631, Mount Vernon, OH 43050
Employees
59

Quick answers

C E S Credit Union: common questions

Is C E S Credit Union NCUA insured?

Yes. C E S Credit Union is a federally insured credit union (NCUA charter #62352). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is C E S Credit Union's TellerScore?

91 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does C E S Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Mount Vernon

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of OhioBank Tiffin, OH90 out of 100, Very strong$278.4M35.5%0.26%vs
Harvest Federal Credit UnionCredit union Heath, OH84 out of 100, Strong$43.9M12.8%0.30%vs
The Home Loan Savings BankBank Coshocton, OH77 out of 100, Strong$386.7M11.7%0.58%vs
Pillar Credit UnionCredit union Marion, OH76 out of 100, Strong$134.8M11.6%0.60%vs
German American BankBank Jasper, IN75 out of 100, Strong$8.4B11.2%0.45%vs
First Federal Bank of OhioBank Galion, OH75 out of 100, Strong$282.9M13.7%0.93%vs