Federal credit union · Aurora, Illinois · NCUA charter #97059
EARTHMOVER
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $456.5M
- Total assets
- 31,213
- Members
- 18.9%
- Net-worth ratio
EARTHMOVER scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $456.5M; members 31,213; net-worth ratio 18.95%; health rank #887 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#887 of 4,374 health · 2025Q4EARTHMOVER · health 91/100 · $456.5M · 2025Q4
Call Report peers
EARTHMOVER in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EARTHMOVER vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); EARTHMOVER sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for EARTHMOVER
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +6.84 pp (18.95% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 69.92% here, 72.20% peer average (-2.28 pp).
EARTHMOVER: in-state Call Report ranks
- Illinois health ordinal: #35 of 192.
- Assets rank #27 of 192 inside Illinois ($456.5M reported).
- Member book place in Illinois: #27 of 192.
- One place up in Illinois, Illinois Educators (#34) scores 92/100, 1 point higher; one place down, Northwest Municipal (#36) ties at 91/100.
EARTHMOVER: 2025Q4 → 2026Q1
EARTHMOVER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $456.5M (2025Q4) to $473.1M (2026Q1).
- Net-worth ratio shifted -0.36 pp (19.31% → 18.95%).
18.95% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
EARTHMOVER gives up 9 points in total. Member Growth costs the most, 5.7 of its 15; Loan-to-Share Ratio and Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.4 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 15.3 pts
EARTHMOVER health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.95% | +6.84 pp |
| Delinquency Rate | 0.86% | -0.04 pp |
| Return on Assets | 1.27% | +0.65 pp |
| Member Growth | 0.26% | - |
| Loan-to-Share Ratio | 69.92% | -2.28 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $473.1M | - |
| 2025Q4 | $456.5M | 31,213 |
| 2024Q4 | $424.3M | 31,132 |
| 2023Q4 | $381.2M | 29,373 |
Credit Union Details
- Charter Number
- 97059
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- Aurora
- Data Quarter
- 2025Q4
Branch Locations (7)
EARTHMOVER operates 7 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| BL (Main Office) | Oswego, IL |
| FA | Aurora, IL |
| BA | Batavia, IL |
| OH | Montgomery, IL |
| PCU | Oswego, IL |
| Baseline Branch | Oswego, IL |
| YK | Yorkville, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Cross-state Call Report peers for EARTHMOVER
Using this data
- EARTHMOVER ranks #887 of 4,374 nationally on financial health and #35 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Healthcare Associates is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Healthcare Associates
Frequently Asked Questions
Is EARTHMOVER financially healthy?
On its 2025Q4 NCUA 5300 filing, EARTHMOVER scores 91/100 (Excellent), with a 18.95% net worth ratio and 0.86% of loans delinquent. It ranks #887 of 4,374 nationally on health and #35 of 192 in Illinois.
How does EARTHMOVER compare to other credit unions?
EARTHMOVER scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (18.95% vs 12.11%). Its widest shortfall is loan-to-share ratio (69.92% vs 72.20%).
How can I join EARTHMOVER?
Membership eligibility for EARTHMOVER depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact EARTHMOVER directly for current membership requirements and application steps.
Is my money safe at EARTHMOVER?
EARTHMOVER is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. EARTHMOVER's net worth ratio of 18.95% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.