C E S CREDIT UNION INC

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1952

Legal Domicile

Principal Officer

MIKE COPLEY

Phone

7403971136

Tax Period

2025-01-01 to 2025-12-31

C E S CREDIT UNION INC, founded in 1952, is a mid-sized nonprofit that reported $13.6M in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. The organization ran a surplus of $3.8M, a strong 28% operating margin.

Mission

THE PURPOSE OF THIS CREDIT UNION SHALL BE TO PROMOTE THRIFT AND TO PROVIDE CREDIT FOR ITS MEMBERS.

Program Service Accomplishments

Program 1

PROVIDE FINANCIAL SERVICES TO APPROXIMATELY 17,621 MEMBERS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $10,690,013

Investment Income $2,884,135

Other Revenue $0

TOTAL REVENUE $13,574,148

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,433,826

Fundraising Expenses $0

Other Expenses $4,051,812

TOTAL EXPENSES $9,743,386

Year-over-Year Comparison

	2025	2024	Change
Revenue	$13,574,148	$12,054,858	+0.1%
Expenses	$9,743,386	$8,763,692	+0.1%
Net Income	$3,830,762	$3,291,166	+0.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$819,246

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SANDRA K COFFING	CEO-RETIRED	40.00	Officer	$198,817	$13,258	$212,075
EYDIE GLASSTETTER	HRO-RETIRED	40.00	Officer	$156,722	$15,900	$172,622
MATTHEW SMITH	CIO	40.00	Officer	$107,404	$17,943	$125,347
MIKE COPLEY	CEO	40.00	Officer	$108,778	$7,103	$115,881
JAMIE FORSTER	CFO	40.00	Officer	$93,263	$11,310	$104,573
TRACY MORGAN	CLO	40.00	Officer	$77,320	$11,428	$88,748
BRENDA CURRY	TREASURER	1.00	Director	$0	$0	$0
KIM FEARN	BOARD MEMBER	1.00	Director	$0	$0	$0
CANDICE GALLAGHER	SECRETARY	1.00	Director	$0	$0	$0
MICHAEL GRAY	BOARD MEMBER	1.00	Director	$0	$0	$0
CINDY MCDOWELL	BOARD MEMBER	1.00	Director	$0	$0	$0
KENTON MICKLEY	BOARD MEMBER	1.00	Officer Director	$0	$0	$0
MARGARET ANN RUHL	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JEFF WELLS	CHAIRMAN	1.00	Officer Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$13,574,148	$9,743,386	$235,748,343	$3,830,762
2024	$12,054,858	$8,763,692	$223,674,898	$3,291,166
2023	$10,325,099	$7,881,134	$214,514,328	$2,443,965
2022	$8,113,568	$6,810,989	$216,007,452	$1,302,579
2021	$7,355,905	$6,193,075	$208,699,156	$1,162,830
2020	$7,445,767	$5,919,123	$179,230,950	$1,526,644
2019	$7,952,688	$6,000,055	$148,510,347	$1,952,633
2018	$7,395,655	$5,556,707	$145,623,659	$1,838,948