Sep, 30, 2025 — EARTHMOVER CREDIT UNION is a non-federally insured state credit union headquartered in OSWEGO, IL with 7 branch locations and about $447.32 million in total assets. Opened 68 years ago in 1958, EARTHMOVER CREDIT UNION has about 31,333 members and employs 92 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | EARTHMOVER CREDIT UNION |
|---|---|
| Address: (Main Office) | 2195 Baseline Rd OSWEGO, IL 60543-6006 |
| Phone: | (630) 844-4950 |
| Fax: | (630) 896-1489 |
| Website: | https://www.earthmovercu.com |
| Branches: | 7 branch locations |
| Members: | 31,333 |
| Credit Union Type: | Non-Federally Insured State Credit Union |
| Charter Number: | 97059 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1958 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $447,315,041 |
| CEO/Manager: | Kelly McDonough |
| Chairperson: | Ronald Westphal |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 44,700,130 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 128,572,593 |
| Unsecured Loans | 24,577,568 |
| Other Loans | 105,016,849 |
| TOTAL LOANS | 258,167,010 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -3,022,118 |
| Land And Building | 16,488,890 |
| Other Fixed Assets | 849,336 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 0 |
| All Other Assets | 0 |
| TOTAL ASSETS | 447,315,041 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 20,000 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,172,424 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 67,556,428 |
| Regular shares | 178,112,627 |
| All Other Shares & Deposits | 119,065,806 |
| TOTAL SHARES & DEPOSITS | 364,734,861 |
| TOTAL LIABILITIES | 367,927,285 |
| Regular Reserve | 0 |
| Other Reserves | 6,771,233 |
| Undivided Earnings | 72,616,523 |
| TOTAL EQUITY | 79,387,756 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 447,315,041 |
| INCOME & EXPENSE | |
| Loan Income | 12,857,442 |
| Investment Income | 3,808,573 |
| Other Income | 1,379,626 |
| Total Employee Compensation & Benefits | 6,299,417 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 6,610,424 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 867,898 |
| Cost of Funds | 2,950,712 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 4,146,768 |
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