Credit Union Safety Analysis
Is Earthmover Credit Union Safe? Oswego, Illinois
Based on its Q2 2026 NCUA 5300 call report, Earthmover Credit Union has a net worth ratio of 19.34%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.75%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Earthmover Credit Union's net worth ratio is 19.34%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 19.34%
- Delinquency ratio (60+ days) (Q2 2026): 0.75%
- Return on assets (Q2 2026): 1.35%
- Loan-to-share ratio (Q2 2026): 68.12%
Earthmover Credit Union (NCUA charter 97059, established 1958) reported $471.7M in assets and 31,326 members for Q2 2026 from Oswego, Illinois. It ranks 26 of 185 credit unions in Illinois by total assets. Total assets grew 5.6% from $446.5M on June 30, 2025. It has 140 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was up 0.28 percentage points from 19.06% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $112.5M of $262.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.75% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 18.95% for Q1 2026; 19.06% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.63% for Q1 2026; 0.63% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.25% for Q1 2026; 1.26% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 67.25% for Q1 2026; 69.85% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $112.5M
- Used vehicle loans: $79.8M
- New vehicle loans: $28.7M
- Unsecured credit card loans: $18.4M
- Commercial loans: $16.7M
- Other unsecured loans and lines of credit: $4.7M
- Other secured non-real estate loans and lines of credit: $1.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $471.7M | 19.34% | 0.75% | 1.35% | 68.12% |
| March 31, 2026 | $473.1M | 18.95% | 0.63% | 1.25% | 67.25% |
| December 31, 2025 | $456.5M | 19.31% | 0.86% | 1.44% | 69.92% |
| September 30, 2025 | $447.3M | 19.35% | 0.83% | 1.30% | 70.78% |
| June 30, 2025 | $446.5M | 19.06% | 0.63% | 1.26% | 69.85% |
| March 31, 2025 | $447.9M | 18.68% | 0.39% | 1.15% | 67.96% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Earthmover Credit Union profile
Regulator records: NCUA credit union profile (charter 97059) · FFIEC NIC profile (RSSD 941194)
Frequently asked questions
Is Earthmover Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Earthmover Credit Union's net worth ratio is 19.34%, above the 7% NCUA threshold for well capitalized.
Is Earthmover Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Earthmover Credit Union is a federally insured credit union (NCUA charter 97059): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Earthmover Credit Union's key safety ratios?
For Q2 2026, Earthmover Credit Union reports net worth 19.34%, delinquency 0.75%, ROA 1.35%, loan-to-share 68.12%.
What happens to my money if Earthmover Credit Union fails?
For Q2 2026, Earthmover Credit Union held $385.6M in shares and deposits for 31,326 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.