Tell us how many miles is on the fluid.
I am NOT a believer of 100K or more coolant changes. In my expereince you will get some scum deposit after many miles, usually 50K or more. I believe fluid should be changed well before 100K, at least 50K. But then I am going by visual check. Realistically you should use a hydrometer to measure the specific gravity of the fluid which will tell you whether it is up to strength. But like I said I go by whether it looks yucky or not.
Now then, if you have low miles and the fluid is relatively fresh you may have a head gasket leak blowing combustion or oil into the coolant. You should also check your oil for a milky appearance especially under the fill cap or the dip stick. This might mean you are also getting water into the oil, that's bad.
My guess is that you just have old coolant. Over time you will get some scum which I am GUESSING is just residue from the antioxidants and lubricants doing their work. You might also get a tiny bit of combustion gasses getting apst the gaskets.
Tell us how many miles.
Just my opinion,
Jim Henderson