TellerScore

Earthmover Credit Union (NCUA charter #97059) is based in Aurora, Illinois. Its Q2 2026 call report shows $471.7M in total assets and $385.6M in member shares and deposits and 7 offices.

Based on its Q2 2026 filing, Earthmover Credit Union scores 87/100, which we describe as very strong. That is higher than 91% of 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 30th. Its strongest component is capital cushion (100/100; 19.34%), and its lowest is earnings (72/100; 1.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.34%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.75%
Earnings72/100
Return on assets (annualized): 1.30%
Funding & liquidity92/100
Loans ÷ shares: 68.1% · 0.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.17%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (86 → 87).

TellerScore
859094Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202491
Q4 202490
Q1 202589
Q2 202586
Q3 202585
Q4 202585
Q1 202687
Q2 202687
Net worth ratio
7.00%13.27%19.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.37%
Q3 202419.54%
Q4 202419.42%
Q1 202518.68%
Q2 202519.06%
Q3 202519.35%
Q4 202519.31%
Q1 202618.95%
Q2 202619.34%
Delinquent loans (60+ days)
0.38%0.62%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20240.48%
Q4 20240.38%
Q1 20250.39%
Q2 20250.63%
Q3 20250.83%
Q4 20250.86%
Q1 20260.63%
Q2 20260.75%
Return on assets
1.15%1.56%1.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.98%
Q3 20241.60%
Q4 20241.37%
Q1 20251.15%
Q2 20251.21%
Q3 20251.24%
Q4 20251.27%
Q1 20261.25%
Q2 20261.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$471.7M19.34%0.75%1.30%68.1%
Q1 202687$473.1M18.95%0.63%1.25%67.2%
Q4 202585$456.5M19.31%0.86%1.27%69.9%
Q3 202585$447.3M19.35%0.83%1.24%70.8%
Q2 202586$446.5M19.06%0.63%1.21%69.9%
Q1 202589$447.9M18.68%0.39%1.15%68.0%
Q4 202490$424.3M19.42%0.38%1.37%71.7%
Q3 202491$417.9M19.54%0.48%1.60%73.2%
Q2 202494$392.7M19.37%0.42%1.98%73.3%

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 ratio19.34%
97th
Problem loans0.75%
45th
Net charge-offs0.34%
52nd
Return on assets1.30%
82nd
Loans to deposits68.1%
64th
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio2.2%
74th

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InstitutionScoreAssetsCapitalProblem loansCompare
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Land of Lincoln Credit UnionCredit union Decatur, IL58 out of 100, Moderate$498.9M9.8%0.91%vs
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Revity Credit UnionCredit union Granite City, IL74 out of 100, Strong$526.5M10.4%0.43%vs
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Partnership Financial Credit UnionCredit union Morton Grove, IL81 out of 100, Strong$402.9M12.3%0.57%vs

Deposit insurance

Is my money safe at Earthmover Credit Union?

Earthmover Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 19.34%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Earthmover Credit Union lists 7 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Earthmover Credit Union
Type
Non-federally insured state credit union
NCUA charter #
97059
RSSD ID
941194
Primary regulator
State + NCUA
Established
1958
Headquarters
P.O. Box 2937, Aurora, IL 60507
Employees
89

Quick answers

Earthmover Credit Union: common questions

Is Earthmover Credit Union NCUA insured?

Earthmover Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Earthmover Credit Union's TellerScore?

87 out of 100 (Very 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 Earthmover Credit Union have?

7 offices as of the latest NCUA data.

Nearby

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Molex Employees Federal Credit UnionCredit union Lisle, IL84 out of 100, Strong$6.5M18.4%0.47%vs
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First Nations BankBank Chicago, IL82 out of 100, Strong$536.6M14.1%0.12%vs