TellerScore

Headquartered in Forsyth, Illinois, Decatur Earthmover Credit Union is a federally insured state-chartered credit union with $310.3M in total assets and $272.0M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1956.

Decatur Earthmover Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 51% of its 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 121st. Funding & liquidity contributes the most (100/100, 57% loans-to-deposits, 4% uninsured); earnings contributes the least (29/100, 0.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.64%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.59%
Earnings29/100
Return on assets (annualized): 0.23%
Funding & liquidity100/100
Loans ÷ shares: 57.5% · 4.3% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.58%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (75 → 70), mostly because the loan quality component weakened by 8 points.

TellerScore
697275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202473
Q4 202473
Q1 202571
Q2 202575
Q3 202574
Q4 202573
Q1 202669
Q2 202670
Net worth ratio
7.00%9.51%12.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.39%
Q3 202411.90%
Q4 202411.88%
Q1 202511.44%
Q2 202511.79%
Q3 202512.02%
Q4 202511.85%
Q1 202611.38%
Q2 202611.64%
Delinquent loans (60+ days)
0.37%0.48%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.51%
Q3 20240.53%
Q4 20240.54%
Q1 20250.49%
Q2 20250.37%
Q3 20250.42%
Q4 20250.41%
Q1 20260.46%
Q2 20260.59%
Return on assets
0.05%0.26%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.46%
Q4 20240.38%
Q1 20250.22%
Q2 20250.42%
Q3 20250.40%
Q4 20250.29%
Q1 20260.05%
Q2 20260.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$310.3M11.64%0.59%0.23%57.5%
Q1 202669$314.5M11.38%0.46%0.05%56.8%
Q4 202573$301.6M11.85%0.41%0.29%60.7%
Q3 202574$297.9M12.02%0.42%0.40%62.2%
Q2 202575$301.6M11.79%0.37%0.42%60.4%
Q1 202571$306.5M11.44%0.49%0.22%57.6%
Q4 202473$293.9M11.88%0.54%0.38%60.8%
Q3 202473$292.9M11.90%0.53%0.46%60.7%
Q2 202472$303.2M11.39%0.51%0.48%58.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.64%
53rd
Problem loans0.59%
56th
Net charge-offs0.46%
39th
Return on assets0.23%
13th
Loans to deposits57.5%
81st
Uninsured deposits4.3%
68th
Loan-loss reserves0.00%
50th
Texas ratio2.6%
68th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Membersalliance Credit UnionCredit union Loves Park, IL67 out of 100, Moderate$303.6M9.4%0.45%vs
First Northern Credit UnionCredit union Chicago, IL78 out of 100, Strong$333.2M11.3%0.71%vs
Community Trust Credit UnionCredit union Gurnee, IL82 out of 100, Strong$336.4M11.9%0.08%vs
Illiana Financial Credit UnionCredit union Calumet City, IL75 out of 100, Strong$264.2M17.4%1.34%vs
Illinois State Credit UnionCredit union Normal, IL69 out of 100, Moderate$248.6M10.7%0.54%vs
Abri Credit UnionCredit union Romeoville, IL67 out of 100, Moderate$380.8M11.8%0.88%vs

Deposit insurance

Is my money safe at Decatur Earthmover Credit Union?

Yes. Decatur Earthmover Credit Union is a federally insured credit union (NCUA charter #68597). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.3% of shares and deposits ($11.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.64%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Decatur Earthmover Credit Union lists 6 offices in 4 cities. Most locations:

  • Decatur, IL (3)
  • Forsyth, IL (1)
  • Mt Zion, IL (1)
  • Paris, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Decatur Earthmover Credit Union reported 156 home-loan applications under HMDA (LEI 5493007NQFYTLJ0O4M47): 119 originated ($9,915,000 total), 25 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Decatur Earthmover Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68597
RSSD ID
942397
Primary regulator
State + NCUA
Established
1956
Headquarters
260 W Marion Ave, Forsyth, IL 62535
Employees
99

Quick answers

Decatur Earthmover Credit Union: common questions

Is Decatur Earthmover Credit Union NCUA insured?

Yes. Decatur Earthmover Credit Union is a federally insured credit union (NCUA charter #68597). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Decatur Earthmover Credit Union's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Decatur Earthmover Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Forsyth

InstitutionScoreAssetsCapitalProblem loansCompare
United Equity Credit UnionCredit union Decatur, IL94 out of 100, Very strong$66.2M18.7%0.23%vs
I.B.E.W. Local #146 Credit UnionCredit union Decatur, IL94 out of 100, Very strong$5.0M13.5%0.00%vs
First National Bank in TaylorvilleBank Taylorville, IL92 out of 100, Very strong$200.1M14.4%0.00%vs
Scott State BankBank Bethany, IL86 out of 100, Very strong$203.5M13.7%0.24%vs
Decatur Policemen Credit UnionCredit union Decatur, IL85 out of 100, Very strong$5.3M15.0%0.44%vs
Peoples Bank of MaconBank Macon, IL82 out of 100, Strong$22.7M13.6%0.00%vs