# EARTHMOVER
Aurora, IL · NCUA charter 97059 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/earthmover-97059

Who the members are: state charter, organized 1958. 31,290 members of 100,000 potential (31.3% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 495.

**Verdict on the desk:** this could be *participation buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $473.1M |
| Members | 31,290 (-0.1% YoY) |
| Full-time staff | 85 |
| Net worth | $89.6M |
| Net worth ratio | 18.9% (p98 of band) |
| ROA (annualized) | 1.25% (p82 of band) |
| Total delinquency | 0.63% (p53 of band) |
| Net charge-offs (annualized) | 0.35% (p46 of band) |
| Loans / shares | 67% (p35 of band) |
| Cash / assets | 11.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.07% (p80 of band) |
| Operating expense / assets | 3.77% (p53 of band) |
| Vehicles % of loans | 41% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 39% (p37 of band) |
| Vehicle delinquency | 0.23% (p19 of band) |
| Vehicle NCO | 0.38% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 19% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 20% |
| Average share balance | $6,922 |
| Participations bought / yr | $28.6M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 495% |
| Loans granted per 100 members, annualized | 153% |
| Average loan balance | $1,687 |
| Loans granted, annualized | $122.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | delinquency 2x band |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | margin squeeze | net worth falling |
| 2020-12 | 0 |  | margin squeeze |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 0 |  | delinquency rising |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 1 | delinquency rising | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | 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
- 2024-10-03 [Final Plans Approved For Earthmover Credit Union In Romeoville - Patch](https://news.google.com/rss/articles/CBMimAFBVV95cUxQVk5wdlhkUU5wN3NvRTBEZThIUnRZdThUZFhUY2xqc19JdklUY3BFX0RjMnM1Tnh5TC12NVAwMnBoeXBicE5aQXhSYXlTdVUyZ21SeUlITHJfbHlHUDdtYmtGRmhxWXR1dDlvQnlkVW9TY0U5SlBRb3Q0NFhmNmVrQjM3Yl83b2o1cGRDek05WnV2N0pzSi1wSQ?oc=5) · Patch
- 2026-05-07 [Earthmover Credit Union breaks ground on Romeoville branch - Shaw Local](https://news.google.com/rss/articles/CBMisgFBVV95cUxQSkhUUTl6Zk9jNlE2NkJQTzFZb05jQWpSUXMzcmF5QUJ5OTFiYzJ5OGM4Mlh4b0RrTXYzNkVrbmc5Z1ZXQ1BjZnBLd0lSc2NUQm9QZV9UQ01OZGd0WkRkWGF2bjI1MkdqZzN4VW9waXNoa18wYjVaYU81ZTg2NGQ3M2oySWRpbXd3YjVmRE5OTmZEUWFQQjZVOG9UNFd0bkV4b2pRV3MzenRRUGFGeTNfQzZR?oc=5) · Shaw Local
- 2025-12-19 [Earthmover Credit Union announces Janel Cabadas as new President/CEO - CUInsight](https://news.google.com/rss/articles/CBMirgFBVV95cUxQcW8tTHZDeTVaOEtJNjRlWkx1R3dsMDctaXhpTHBZeDluVnFGYmlnbFRXM2VTNnVocHZubGJmcFBkMzNudFRXaVlHNnFuTXlFUXloeHY2ODdtMnphSmxDdGQycWVWajJlRGdmRkJHLXBLbmpQdGFHT21TeERjcl91UVdETGYyWFNwY1J4RU1lV1YxdU13aFlobl9CcjFreHR5cUdsbU5DRHExTndyTFE?oc=5) · CUInsight
- 2026-04-18 [Timothy George Wittmer's Obituary, Visitation & Funeral Information - gracelandfairlawn.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE01aDlXWnNkWkVCN2ZWQmFDVnhHWHRYYVIxUVJtWXJNZkZTUEpuSk92OUVYWVRhM25pclcxb3A1Q21udGFmc3JkSnl6NDJyUzloVUwtNlNTNVNHMmkzZW9wSWRqVUVIVXMyLVlmTHhTR1RFOFowaF9IZg?oc=5) · gracelandfairlawn.com
- 2025-12-27 [Carmen DeNardis Obituary (2025) - Joliet, IL - Herald-News - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOak9ydE14dExSY09tb1pnUTA0c2g5WXM3TzZOZlg4cnRtU3NFY3dsNEdKYUNxZWtFelhUVDAwbEc0SWFhQUpSYWtYeDR2eXJNNFh5NzJUMjVfS1ZjVjJyM2ZlMkNxYnJoUndvVWt5UFhrQUlSaFNrOFBzQVdEbTB5RVdrSWhPQ1VSOUNkTnNXU1Awcy02R19DaA?oc=5) · legacy.com
- 2014-01-06 [Robert Scannell Obituary - Dallas, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxNeW13eXZzM3M1V1luSHd2cHgybmtWTmI4ZzRVbjZISW03QWxrSnV5R2hxajBYNXM5bjMtZHJrcktEdlY3RlM2YlRoYlV0T29sT2xTVFZTTTRlNXkyeUwtN1hfVnpfRXZmY3ZPWWtYYjFaX1NnQ3g0S3JMdVJENjUySmZn?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97059 (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/35.json (key "97059", 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=97059
- 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