# DECATUR EARTHMOVER
Forsyth, IL · NCUA charter 68597 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/decatur-earthmover-68597

Who the members are: state charter, organized 1956. 20,602 members of 895,000 potential (2.3% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 654.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $314.5M |
| Members | 20,602 (-2.2% YoY) |
| Full-time staff | 97 |
| Net worth | $35.8M |
| Net worth ratio | 11.4% (p52 of band) |
| ROA (annualized) | 0.05% (p8 of band) |
| Total delinquency | 0.46% (p37 of band) |
| Net charge-offs (annualized) | 0.46% (p57 of band) |
| Loans / shares | 57% (p15 of band) |
| Cash / assets | 17.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.10% (p82 of band) |
| Operating expense / assets | 5.27% (p96 of band) |
| Vehicles % of loans | 67% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 42% |
| Third-party paper % of net worth | 222% (p83 of band) |
| Vehicle delinquency | 0.35% (p32 of band) |
| Vehicle NCO | 0.83% (p61 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 10% |
| Average share balance | $7,553 |
| Participations bought / yr | $16.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $34.8M |
| Loans outstanding per 100 members | 654% |
| Loans granted per 100 members, annualized | 218% |
| Average loan balance | $1,171 |
| Loans granted, annualized | $56.5M |

## Participation posture (from the same filings)

Bought $16.9M and sold $0 in the latest annualized quarter; $34.8M outstanding purchased (97.3% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 1.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling, members leaving | losing money |
| 2017-06 | 3 | charge-offs p90 | net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | members leaving |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | auto monoline |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 5 | net worth falling, losing money, members leaving |  |
| 2020-06 | 6 | margin squeeze |  |
| 2020-09 | 4 |  | net worth falling, members leaving |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 | net worth falling | losing money, margin squeeze |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | losing money, delinquency rising |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | delinquency 2x band, charge-offs p90 | losing money |
| 2022-12 | 4 |  | delinquency 2x band |
| 2023-03 | 5 | net worth falling, assets shrinking | delinquency rising |
| 2023-06 | 4 | expense trap | charge-offs p90, net worth falling |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 2 |  | assets shrinking, expense trap |
| 2024-09 | 3 | expense trap |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | net worth falling |  |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-08 [Decatur Earthmover Credit Union selects Beth Puckett as next CEO - CUInsight](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPQnpJV2Zyel95VFV1dTJuYTU5MHA1SVlUUGJmTDVEWklPeEs4VnlsSVRTRmFCbHpPbVc5Rk1xelNBOGxfdG5wc1FOS0pfTVE0OEs3Qk5aRkhQN1VqdXd2ODFBWHB4SHdtY3A3MEx5aWZ6WTdqeG8taXdJTE1nUmJvU2k4bGJhZ2ZYR1NObWRTcGtxQ2FLWGg1cVp1VUJCUkFYNnk0aGJsYWI?oc=5) · CUInsight
- 2025-04-16 [Internet outage affecting operations at Decatur Earthmover Credit Union - wandtv.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNV3hfN2tsbDNPNWI2WjJsS3Y0eUpwTTZSTDVrWm0weTQ0M0NTTWZacWthRXZEekpNTUJwYnlkeUlieWQxdW9WLUpVQmI4STVra09fUDZSZmJHR1hLaHRsYUh2LUZZTlpOczJXY2pfSHRnaTZiZi16ZU5kUmpVd3luYXFoNzlsNjJ1OFV4ZWc2UF9kcWlqTUFScEFEV2sycjdGd2ZVVjFJeUVFVXVOYzdDTktVOHhwUkZwSmdhM2NhVTFMa2ZXbHp0NzQ4c29ZNzM0NjE4TW1qTDg0cnJrZnh2bWdiRQ?oc=5) · wandtv.com
- 2026-04-18 [Timothy George Wittmer's Obituary, Visitation & Funeral Information - gracelandfairlawn.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE01aDlXWnNkWkVCN2ZWQmFDVnhHWHRYYVIxUVJtWXJNZkZTUEpuSk92OUVYWVRhM25pclcxb3A1Q21udGFmc3JkSnl6NDJyUzloVUwtNlNTNVNHMmkzZW9wSWRqVUVIVXMyLVlmTHhTR1RFOFowaF9IZg?oc=5) · gracelandfairlawn.com
- 2019-08-29 [Police: Woman, others repeatedly tried to cash bad checks - wandtv.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxNbVIzVm5BSDdyQy1BVHNCTExrSEFDMC1XeGllbVZVdmRTazJPV1p5R1NlNXVVeWhHbkJfWkl5WEtwV0NUZEtwLTc4NE5BM0RkZE9uUTVOc2psZmVSekJLZUItLWdXYkd0UmQ0dkJrb2dWa1huNUVMZ3kxd1FmOHpwQlprLURvQWpMb1VtWXNJUnhzYVhFbTFlVUIxa0FwRFViMGFGU3NpSndKQ2t2d1MxcEJHeTlvRmZlWDRLM3Nmd2FLUWtScDJSRFNWV0g3QQ?oc=5) · wandtv.com
- 2022-02-08 [Tommy Levoy Reeve's Obituary, Visitation & Funeral Information - gracelandfairlawn.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE4zRFo1aUE2bThXMkxHMW5QY1Q2WkJ6UUFXTk00ZEVqc1EzdkkxTEZ4akZ1NHN4U0E3dDBMb3MtVjYyTXNkOHR2dS1sSHdJX2VNWk1ZdXRBZVRIVmZwY3JkRTUtMXEwQjdwRTdkRXBTRnlUdTg?oc=5) · gracelandfairlawn.com
- 2014-01-06 [Robert Scannell Obituary - Dallas, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxNeW13eXZzM3M1V1luSHd2cHgybmtWTmI4ZzRVbjZISW03QWxrSnV5R2hxajBYNXM5bjMtZHJrcktEdlY3RlM2YlRoYlV0T29sT2xTVFZTTTRlNXkyeUwtN1hfVnpfRXZmY3ZPWWtYYjFaX1NnQ3g0S3JMdVJENjUySmZn?oc=5) · Dignity Memorial
- 2021-10-21 [Derrick Rushing Obituary (2010) - Decatur, IL - Decatur Herald & Review - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPQkR0QXdXelA0NHZwVnpSeS1QN0JvX1BuVGtzWkNoM29PUG9WT1FCdXZiV2pyYzlIelBVelF2RC1kQlZSZURBUHlEMHp5NnBYZW5QR0xJSk5Ic2c4OS02aU9Ea09TYjk2Z2V6UlJuTWk3TmVZOWxpekJmMWtidHhsWklDTy1WQWg0NDhORk9PdS1EYktkUm9J?oc=5) · legacy.com
- 2015-03-21 [Sharon Ann Leith's Obituary, Visitation & Funeral Information - gracelandfairlawn.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE82TkhMOVhkTmM0V21EOElvWTRrNzU5RkwxclZFSXJxTEJaS1FkV21lWHJwb3pWY0R6LU1UdzVGS19NZXlTejVlaU5EZ2FLeEM2SUJVX3dsSU9zc1BRMW91ZUoyeW9zZlE0c09jTWQ0ZExTbEtXdkZ3TmpvQy0?oc=5) · gracelandfairlawn.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68597 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/53.json (key "68597", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68597
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide