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Not Federally Insured
2195 Baseline Rd
Oswego, IL 60543-6006

Earthmover Credit Union is headquartered in Oswego and is the 28th largest credit union in the state of Illinois. It is also the 844th largest credit union in the nation. It was established in 1958 and as of March of 2014, it had grown to 48 employees and 23,417 members. Earthmover Credit Union has a A health rating.

Field of Membership Restrictions

Earthmover Credit Union is a community credit union. Membership is available to anyone who meets ONE of the following qualifications: • If you live or work in Kendall, Kane, DuPage, Will (north of I-80), DeKalb (south of I-88), or LaSalle (north of I-80) • If an immediate family member is a member of Earthmover Credit Union • If you work for one of our Select Employer Groups. - See Details

Reviews (1)

Earthmover Credit Union Denied Me A Loan

I had a bad experience with Decatur Earthmover Credit Union.  I applied for a $1,500 stimulus loan from Decatur Earthmover.  My request was denied even though I have good credit and no other loans.  This credit union was cherry-picking its applicants.  I will never deposit any more money with this credit union.  They always want your money, but when it comes time for a loan, they are a whole different story.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Earthmover Credit Union had $2.43 million in non-current loans and owned real-estate with $37.48 million in equity and loan loss allowances on hand to cover it. This gives Earthmover Credit Union a Texas Ratio of 6.47% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Earthmover Credit Union decreased dramatically from 10.59% as of March 31, 2013 to 6.47% as of March 31, 2014, resulting in a positive change of 38.88%.This indicates that the balance sheet and financial strength for Earthmover Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Earthmover Credit Union has decreased its total deposits by -$2.24 million, resulting in -1.13% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Earthmover Credit Union has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Earthmover Credit Union has $231.18 million in assets with $37.48 million in equity, resulting in a capitalization level of 16.21%, which is excellent.

Institution Statistics

NCUA #97059
Year Chartered1958
Primary Regulator
Assets and Liabilities
Assets$231.18 million
Loans$126.00 million
Deposits$196.85 million
Equity Capital$34.20 million
Loan Loss Allowance$3.28 million
Unbacked Noncurrent Loans$2.06 million
Real Estate Owned$366,000
Historic Data - March 2013
Assets$233.93 million
Equity Capital$33.43 million
Loan Loss Allowance$3.70 million
Unbacked Noncurrent Loans$2.06 million
Real Estate Owned$422,000
Profit Margin - Quarterly
Return on Assets0.8%
Return on Equity5.42%
Interest Income$1.79 million

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Earthmover Credit Union Savings Account Rates

0.20%$1,025-CESA Savings
0.20%$1,025-IRA Savings
0.20%$1,025-Roth IRA Savings
0.10%$10,025-Regular Tiered Shares
0.10%$10,025-Youth Shares
0.05%--Christmas Club
0.01%--Special Accounts

Earthmover Credit Union Money Market Rates

0.25%$50k-Money Market

Earthmover Credit Union Checking Account Rates

0.10%$2,500-Share Draft Checking

Earthmover Credit Union CD Rates

1.25%$500-60 Month CD
1.00%$500-48 Month CD
0.70%$500-36 Month CD
0.60%$1k-18 Month Special with ECU checking
0.60%$5k-18 Month Special
0.45%$1k-12 Month Special with ECU checking
0.45%$5k-12 Month Special
0.45%$500-30 Month CD
0.40%$500-24 Month CD
0.30%$500-18 Month CD
0.25%$500-12 Month CD
0.15%$500-6 Month CD
0.10%$500-3 Month CD

Earthmover Credit Union IRA Rates

1.35%$500-60 Month IRA
1.10%$500-48 Month IRA
0.75%$500-36 Month IRA
0.45%$500-24 Month IRA
0.35%$500-18 Month IRA
0.30%$500-12 Month IRA

Earthmover Credit Union Locations
Branch Office2195 Baseline RdOswego, IL 60543-6006
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