Credit union · Privately insured
Earthmover Credit Union
A $473.1M credit union headquartered in Oswego, IL, with 31,290 members and 6 branches in Illinois. Best rates: CDs 4.00% and savings 1.05% APY.
Earthmover Credit Union Carrot Score
80
Carrot Score
Higher than 50% of U.S. banks and credit unions
#60 of 124 in Chicago, IL-IN metroHow the score works →
Deposits are privately insured, not by the federal government.
About Earthmover Credit Union
- Headquarters
- 2195 Baseline Rd, Oswego, IL 60543-6006
- NCUA charter
- 97059
Branches
6 branches in Illinois
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Illinois
6 branches
- Fa1735 N Farnsworth Ave, Aurora, IL 60505Directions
- Ba1992 McKee St, Batavia, IL 60510Directions
- Oh1260 Ogden Ave, Montgomery, IL 60538Directions
- Baseline Branch2205 Baseline Road, Oswego, IL 60543Directions
- PcuECU c/o Oswego High School, 4250 State Route 71, Oswego, IL 60543Directions
- Yk1008 N Bridge St, Yorkville, IL 60560Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 19.34% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.75% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.32% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $68 | $76 | — |
- CapitalNet worth ratio19.34%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.75%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.32%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$68Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Earthmover Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.