# C E S
MOUNT VERNON, OH · NCUA charter 62352 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/c-e-s-62352

Who the members are: state charter, organized 1952. 17,770 members of 711,000 potential (2.5% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $240.7M |
| Members | 17,770 (2.3% YoY) |
| Full-time staff | 50 |
| Net worth | $30.9M |
| Net worth ratio | 12.8% (p70 of band) |
| ROA (annualized) | 1.73% (p94 of band) |
| Total delinquency | 0.15% (p9 of band) |
| Net charge-offs (annualized) | 0.15% (p22 of band) |
| Loans / shares | 66% (p34 of band) |
| Cash / assets | 23.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.99% (p77 of band) |
| Operating expense / assets | 3.47% (p40 of band) |
| Vehicles % of loans | 47% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 62% |
| Third-party paper % of net worth | 144% (p70 of band) |
| Vehicle delinquency | 0.08% (p9 of band) |
| Vehicle NCO | 0.12% (p14 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 14% |
| Average share balance | $4,948 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $14,306 |
| Loans granted, annualized | $77.4M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 2 | 3rd-party paper>100% NW |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | members leaving |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | members leaving |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | thin capital |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-26 [Shred Day returns to Knox County on May 16 - Knox Pages](https://news.google.com/rss/articles/CBMihwFBVV95cUxQSTVJTk45empBSlRXNVRqMHBRNXJLN2duZVMydjNjaGdQRWduV3dHNjUzcWxlel9GV1BOYXZ6MGxVLUpBWVJlZnYyMkJaMjh3WHNXcjZCUlBhM21adDdpUlBzRmJ0VUZYd0VjWmhhWEFsMFBSVlJqZzQxU1ZHc2FJbC1qZU1lbWM?oc=5) · Knox Pages
- 2026-05-08 [Shred Day slated for May 16 in Knox County - Knox Pages](https://news.google.com/rss/articles/CBMihwFBVV95cUxPa0Y5Z1k2U2FBVVgtZzRFTnBzVHQ0VVFtNjBqcTlPQ3I0SkZ1YmVTM1ZyeDhYSmNCQXpLQ3ZQT256NU5qeE1lVjR5MmJDcWF0M09IUkxYVGxXNjNvNHpzZlBiaUpzdVZ6Skk5UmREazVLRng5SG1kbWdNTWN0Z3NKOTFDekNxM00?oc=5) · Knox Pages
- 2022-02-03 [Credit union offering more services following merger and move - Coshocton Tribune](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOaGM1OUNfd21hX1JJclJTeHdoSEdzYlJCYXp1NHBlU1JWcmdZWmI5SlFLaFpRQm85SGxDN0pCaW1mWDM3SVNxUEFuVWtMSVZoSmh3c3poS3hiSGViTWlhQ1RYcHpWQnZfQi0zNU1CRnNxajZZZUVqeTJHcmc2cG9ORDdUczNLTWpFNi1fREFmQzVURnU0Skxra1pCOVBXbHR4OUFRdWhwNXRPOVZlbEFnNVdjaUJONDk0aDNRSTljdlo0OUk?oc=5) · Coshocton Tribune
- 2026-05-10 [Simba Jordan, Julia Neville to headline annual Concert Night for the Community - Knox Pages](https://news.google.com/rss/articles/CBMitgFBVV95cUxPQ2I3RlFkdVdoUkNuUTQzd3g2UkFTUThmdUFNYVlJNEUxNG15UmZNd3NKY0E4ejY4emh3WUZFQzNobkdFRER5OFJJejFRcWNmYlo2cW94M3p0R2tqTVVmMjh3VW1fTDhHV1hfQTdZY0pfR0k5a3V1VFdCRXpzSEZsVE5JQTd6UEpnTkd3azdiVEJYc1h4cF9aUDkyY2N4OFh3Tlg1ZTNMNmZxQkNfSm9SV2xweWhzdw?oc=5) · Knox Pages
- 2022-09-04 [Obituary information for Julie A. Jones - Snyder Funeral Homes](https://news.google.com/rss/articles/CBMifkFVX3lxTE1uU1o1VmItODZJUkRxa3dBeDlkWDdYR25ab2ZRNHRraEFyNl9xRVJXVENVRk9DTEo2VnBIX3ZRV3FJenU1NzdLWXpEaksteVo2RjlibXdlbUYyUk1jcGNpb2lEM1VWcWVPTmJQTDlFalpsdWpPOGZKR0pQZkhTdw?oc=5) · Snyder Funeral Homes
- 2022-09-04 [Obituary information for Barbara A. Butler - Snyder Funeral Homes](https://news.google.com/rss/articles/CBMiggFBVV95cUxOcUVTUFlUQlU2R0lKbmFxVmI3LVM2TU5TZ2xlc0ZNanc1REtKcEVHUkNaUGFIMGRCck85OTktQzh3dFVMV3BOQXlfeEVieDJKRjZGdDRURTd3dlM0b0ZCZEtqcG1zc1BjZko5T09ya29JSDJXeW1HQWZhQlI3YUdqQjRB?oc=5) · Snyder Funeral Homes
- 2023-08-26 [Leadership Coshocton County welcomes 2024 class - Coshocton Tribune](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPc182VWFxOVZubmJDdE5KOE9qWFF1RElUdV9ycjYwdEQybVJGSWU1OFlYZ2IwV1YydVZqSWcza3JIMUxxV084al9HS05HV2dVTGcxZTVHemg2cFVwTzlzbnd2MVExcUJNUkhvdHVCaTRNU2JoQmlfN1haSmRrQmpxTEFuVEg1NFJwSFJJblFuMTVWcjhKcjBid1BxNzdzUzhfUmJ4Rm5BODJTM3pLT1hpYU5fVjJ2SU9nOWhtaGFON2pEUk95cUFQdFpZS01JYlhQaEJnYnF5eDRYRk5MTEM4VQ?oc=5) · Coshocton Tribune
- 2022-09-04 [Obituary information for Richard R. Robinson - Snyder Funeral Homes](https://news.google.com/rss/articles/CBMihAFBVV95cUxNMFFDSXlERUZuX0pYV3luRDBLeDBmRHdsbkpWZFRlMTZRMk5yWDNKWVdBNVU4RmZYYkpoOE5hdDZ5U3hpdFNxMGtiMFFkOEpna0tFdjJySFg0LS12NlZHSmFlUTdqMzJzNG1VMXZ5UzFVeEV6R0dGaGZ0X3U5R1VaODlURlc?oc=5) · Snyder Funeral Homes

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62352 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/16.json (key "62352", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=62352
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide