Civic Intelligence

Earthmover Credit Union

EIN 36-6062499 • 501(c)14 • Aurora, IL

View Organization Page

Profile

We are a member owned financial institution existing to provide members quality products and exceptional service, while maintaining competitive rates and strong capital.

PO Box 2937Aurora, IL 60507-2937

www.earthmovercu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

16th percentile

0.86x

Higher debt load relative to assets than 16% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Liabilities / Revenue

79th percentile

17.87x

Higher debt load relative to revenue than 79% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Net Margin

93rd percentile

25%

Higher net margin than 93% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

11th percentile

-2.9%

Faster asset growth than 11% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Revenue Growth

15th percentile

6.4%

Faster revenue growth than 15% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets16th percentile

Assets

Up

$424,217,833

Up $42,989,650 (+11%) from 2023

Liabilities

Up

$352,892,585

Up $31,736,946 (+9.9%) from 2023

Net Assets

Up

$71,325,248

Up $11,252,704 (+19%) from 2023

Operations
Liabilities / Revenue79th percentileNet Margin93rd percentile

Revenue

Up

$27,977,321

Up $6,376,799 (+30%) from 2023

Expenses

Up

$22,177,113

Up $5,753,953 (+35%) from 2023

Net Income

Up

$5,800,208

Up $622,846 (+12%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth11th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600M$400M$200M$0Assets 2010: $203,348,622Liabilities 2010: $173,701,544Net Assets 2010: $29,647,0782010Assets 2011: $212,113,625Liabilities 2011: $180,439,579Net Assets 2011: $31,674,0462011Assets 2012: $223,092,316Liabilities 2012: $189,784,119Net Assets 2012: $33,308,1972012Assets 2013: $220,341,872Liabilities 2013: $186,748,640Net Assets 2013: $33,593,2322013Assets 2014: $225,671,860Liabilities 2014: $188,908,525Net Assets 2014: $36,763,3352014Assets 2015: $238,771,898Liabilities 2015: $199,355,397Net Assets 2015: $39,416,5012015Assets 2016: $247,983,525Liabilities 2016: $206,030,885Net Assets 2016: $41,952,6402016Assets 2017: $259,718,385Liabilities 2017: $214,066,271Net Assets 2017: $45,652,1142017Assets 2018: $272,252,188Liabilities 2018: $222,928,152Net Assets 2018: $49,324,0362018Assets 2019: $292,564,037Liabilities 2019: $238,041,547Net Assets 2019: $54,522,4902019Assets 2020: $339,748,049Liabilities 2020: $280,329,094Net Assets 2020: $59,418,9552020Assets 2021: $387,604,872Liabilities 2021: $326,104,986Net Assets 2021: $61,499,8862021Assets 2022: $376,266,633Liabilities 2022: $324,027,456Net Assets 2022: $52,239,1772022Assets 2023: $381,228,183Liabilities 2023: $321,155,639Net Assets 2023: $60,072,5442023Assets 2024: $424,217,833Liabilities 2024: $352,892,585Net Assets 2024: $71,325,2482024

Highlighted filing

2024

Assets$424,217,833
Liabilities$352,892,585
Net Assets$71,325,248
Open 2024 Filing

Operations Trend

Revenue Growth15th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$30M$20M$10M$0Expenses 2010: $11,587,8062010Expenses 2011: $11,167,3962011Expenses 2012: $10,723,2002012Revenue 2013: $11,886,347Expenses 2013: $10,194,832Net Income 2013: $1,691,5152013Revenue 2014: $12,178,179Expenses 2014: $9,426,130Net Income 2014: $2,752,0492014Revenue 2015: $12,642,380Expenses 2015: $9,745,366Net Income 2015: $2,897,0142015Revenue 2016: $13,272,088Expenses 2016: $10,426,768Net Income 2016: $2,845,3202016Revenue 2017: $14,670,335Expenses 2017: $10,798,419Net Income 2017: $3,871,9162017Revenue 2018: $15,856,504Expenses 2018: $11,908,896Net Income 2018: $3,947,6082018Revenue 2019: $17,144,896Expenses 2019: $13,100,089Net Income 2019: $4,044,8072019Revenue 2020: $16,549,996Expenses 2020: $12,453,650Net Income 2020: $4,096,3462020Revenue 2021: $17,049,489Expenses 2021: $12,794,529Net Income 2021: $4,254,9602021Revenue 2022: $18,135,015Expenses 2022: $13,608,595Net Income 2022: $4,526,4202022Revenue 2023: $21,600,522Expenses 2023: $16,423,160Net Income 2023: $5,177,3622023Revenue 2024: $27,977,321Expenses 2024: $22,177,113Net Income 2024: $5,800,2082024

Highlighted filing

2024

Revenue$27,977,321
Expenses$22,177,113
Net Income$5,800,208
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$424,217,833
Liabilities
$352,892,585
Net assets
$71,325,248
Revenue
$27,977,321
Expenses
$22,177,113
Net income
$5,800,208
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$424$353$71.3$28.0$22.2$5.80
2023Detailed filing. Detailed filing data is available for this year.$381$321$60.1$21.6$16.4$5.18
2022Detailed filing. Detailed filing data is available for this year.$376$324$52.2$18.1$13.6$4.53
2021Detailed filing. Detailed filing data is available for this year.$388$326$61.5$17.0$12.8$4.25
2020Detailed filing. Detailed filing data is available for this year.$340$280$59.4$16.5$12.5$4.10
2019Detailed filing. Detailed filing data is available for this year.$293$238$54.5$17.1$13.1$4.04
2018Detailed filing. Detailed filing data is available for this year.$272$223$49.3$15.9$11.9$3.95
2017Detailed filing. Detailed filing data is available for this year.$260$214$45.7$14.7$10.8$3.87
2016Detailed filing. Detailed filing data is available for this year.$248$206$42.0$13.3$10.4$2.85
2015Detailed filing. Detailed filing data is available for this year.$239$199$39.4$12.6$9.75$2.90
2014Detailed filing. Detailed filing data is available for this year.$226$189$36.8$12.2$9.43$2.75
2013Detailed filing. Detailed filing data is available for this year.$220$187$33.6$11.9$10.2$1.69
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$223$190$33.3$10.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$212$180$31.7$11.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$203$174$29.6$11.6
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 8, 2025
Return Version
2024v5.0
Gross Receipts
$29,469,446
Mission and Program Overview

Mission

We are a member owned financial institution existing to provide members quality products and services while maintaining a competitive rate of return on deposits, security of capital strength, and competitive rates on loans.

To assist our members in the management of their financial well-being by providing loans, savings accounts, and other financial institution services in a friendly and professional manner.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$239,510,521$247,553,125▲ $8,042,604
Investments in Publicly Traded Securities$89,899,119$86,735,752▼ $3,163,367
Rtn Earn Endowment Incm Other Fnds$60,072,544$71,325,248▲ $11,252,704
Savings and Temporary Cash Investments$34,395,372$65,190,245▲ $30,794,873
Land, Buildings, and Equipment, Net$8,817,019$12,982,583▲ $4,165,564
Cash and Non-Interest-Bearing Accounts$1,893,786$2,128,141▲ $234,355
Prepaid Expenses and Deferred Charges$1,536,399$1,174,293▼ $362,106
Accounts Receivable$822,690$1,058,488▲ $235,798
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$381,228,183$424,217,833▲ $42,989,650
Other Assets Total$4,353,277$7,395,206▲ $3,041,929
Liabilities
Other Liabilities$318,033,114$348,976,524▲ $30,943,410
Accounts Payable and Accrued Expenses$3,122,525$3,916,061▲ $793,536
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$321,155,639$352,892,585▲ $31,736,946
Net Assets / Fund Balance
Total Net Assets Fund Balance$60,072,544$71,325,248▲ $11,252,704
Total Liabilities and Net Assets / Fund Balance$381,228,183$424,217,833▲ $42,989,650

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,404,165$4,311,779$10,715,944
Equipment$930,912$4,278,795$5,209,707
Land$5,097,100-$5,097,100
Other Land Buildings$548,726$504,294$1,053,020
Leasehold Improvements$1,680$164,426$166,106
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kelly McDonoughCEO/PresidentFT$265,532$128,241$393,773
Noreen WilkersonVP Finance-$195,791$124,438$320,229
Noreen WilkersonEVP FinanceFT$277,297$36,795$314,092
Robert T WestmorelandVice-PresidentFT$170,681$85,580$256,261
Amy HartVice-PresidentFT$163,432$80,467$243,899
Janel CabadasVice-President-$165,758$74,737$240,495
Janel CabadasExecutive Vice-PresidentFT$220,576$17,516$238,092
Matthew MeyerVice-PresidentFT$126,917$62,187$189,104
Shelli ChesnuttStaff Accountant ManagerFT$116,191$21,888$138,079
Lisa MarateaReal Estate Lending ManagerFT$87,061$50,862$137,923
Tyler ThomasIT ManagerFT$89,704$47,449$137,153
Stephanie WuethrichDirector of Human ResourcesFT$105,376$30,007$135,383
Mandy StaffordConsumer Lending ManagerFT$81,260$43,157$124,417
Leonard NelsonDirector-$428-$428
Ronald WestphalChair of the Board-$385-$385
Michele BergeronDirector-$375-$375
Alex PopeDirector-$362-$362
Maria ManzoDirector-$349-$349
Larry SzumskiDirector-$263-$263
Darla MullnerDirector-$262-$262

Board Members and Trustees

NameTitle
Michael LamonicaVice Chairman
Jill FerkoDirector
Rich KishSecretary/Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Truemper and Titiner & Brouch LtdCollection fees1700 North Farnsworth Ave, Aurora, IL 60505$108,228
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$21,808,848
Investment Income
$6,168,473
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$5,800,208

Audited Revenue Reconciliation

Revenue per Audited Statements
$27,977,321
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$27,977,321
Total Revenue per Form 990
$27,977,321
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$13,954,650
Salaries, Compensation, and Employee Benefits$8,218,463
Grants and Similar Amounts Paid$4,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,969,458
Current Officers, Directors, Trustees, and Key Employees---$2,150,042
Other Employee Benefits---$2,112,685
All Other Expenses---$1,724,679
Other Expenses---$1,521,967
Information Technology---$1,395,520
Depreciation Depletion---$607,261
Office Expenses---$572,174
Payroll Taxes---$568,946
Advertising---$489,747
Pension Plan Contributions---$417,332
Occupancy---$400,879
Conferences and Meetings---$280,476
Fees for Services Accounting---$222,769
Fees for Service Investment Mgmnt Fees---$82,097
Fees for Services Legal---$80,133
Fees for Services Other---$54,807
Payments to Affiliates---$32,615
Travel---$9,262
Grants to Domestic Individuals---$4,000
Insurance---$3,746
Total Functional Expenses$0$0$0$22,177,113

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$22,177,113
Total Expenses per Audited Statements$22,177,113
Total Expenses per Form 990$22,177,113
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$3,320
Total Exempt Function Spending$3,320
Section 527 Activity Spending$0

Section 527 Organizations

OrganizationLocationAmount
36-3092340Naperville, IL$676
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member's Shares and other Deposits$348,976,524
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“ECU has members, not stockholders.”

Form 990, Part VI, Section A, Line 7A

“ECU has members, who may elect one or more members of the governing body known as the Board of Directors.”

Form 990, Part VI, Section A, Line 7B

“Yes, some decisions of the governing body are subject to approval by members.”

Form 990, Part VI, Section B, Line 11B

“ECU's VP of Finance reviews and files the 990 report for 2024.”

Form 990, Part VI, Section B, Line 12C

“ECU regularly monitors various reports to enforce compliance with the Conflict of Interest policy. ECU reviews this policy annually with all staff and directors to reinforce ECU's code of conduct.”

Form 990, Part VI, Section B, Line 15

“ECU's Board of Directors' Compensation Committee conducts salary surveys and discusses compensation for key positions.”

Form 990, Part VI, Section C, Line 19

“ECU makes its governing documents, conflict of interest policy and financial statements available to the public upon request. In addition, ECU posts its financial statements in its lobbies and holds an annual meeting, which is open to the public.”

Filing and Contact Details

Filer

Filer Name
Earthmover Credit Union
EIN
36-6062499
Phone
6308444950
Address
PO Box 2937, Aurora, IL 60507-2937

Signing Officer

Name
Sarah Kiser
Title
VP Finance
Phone
6308444950
Signed
2025-05-08

Organization Details

Principal Officer
Kelly McDonough
Formed
1958
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
127
Volunteers
9
Supplemental Narrative

Additional Explanations

Form 990, Part I, Line 6

“The number of volunteers relate to ECU's Board of Director's Members.”

Form 990, Part XI, Line 9

“Acquired People's Energy CU on July 1st, 2024.”

Financial Statement Notes

Schedule D, Part X, Line 2

“Member's Shares and other Deposits”

Raw XML AppendixShowing 400 of 813 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt229649
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt317516
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt425255
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt519290
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt611777
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt711077
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt827105
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt927010
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1024172
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt170
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt180
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt190
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt200
IRS990/Form990PartVIISectionAGrp/PersonNm0Kelly McDonough
IRS990/Form990PartVIISectionAGrp/PersonNm1Noreen Wilkerson
IRS990/Form990PartVIISectionAGrp/PersonNm2Robert T Westmoreland
IRS990/Form990PartVIISectionAGrp/PersonNm3Janel Cabadas
IRS990/Form990PartVIISectionAGrp/PersonNm4Amy Hart
IRS990/Form990PartVIISectionAGrp/PersonNm5Matthew Meyer
IRS990/Form990PartVIISectionAGrp/PersonNm6Shelli Chesnutt
IRS990/Form990PartVIISectionAGrp/PersonNm7Stephanie Wuethrich
IRS990/Form990PartVIISectionAGrp/PersonNm8Lisa Maratea
IRS990/Form990PartVIISectionAGrp/PersonNm9Tyler Thomas
IRS990/Form990PartVIISectionAGrp/PersonNm10Mandy Stafford
IRS990/Form990PartVIISectionAGrp/PersonNm11Leonard Nelson
IRS990/Form990PartVIISectionAGrp/PersonNm12Ronald Westphal
IRS990/Form990PartVIISectionAGrp/PersonNm13Michele Bergeron
IRS990/Form990PartVIISectionAGrp/PersonNm14Alex Pope
IRS990/Form990PartVIISectionAGrp/PersonNm15Maria Manzo
IRS990/Form990PartVIISectionAGrp/PersonNm16Larry Szumski
IRS990/Form990PartVIISectionAGrp/PersonNm17Darla Mullner
IRS990/Form990PartVIISectionAGrp/PersonNm18Michael Lamonica
IRS990/Form990PartVIISectionAGrp/PersonNm19Jill Ferko
IRS990/Form990PartVIISectionAGrp/PersonNm20Rich Kish
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2221722
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3220576
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt200
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO/President
IRS990/Form990PartVIISectionAGrp/TitleTxt1EVP Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice-President
IRS990/Form990PartVIISectionAGrp/TitleTxt3Executive Vice-President
IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice-President
IRS990/Form990PartVIISectionAGrp/TitleTxt5Vice-President
IRS990/Form990PartVIISectionAGrp/TitleTxt6Staff Accountant Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director of Human Resources
IRS990/Form990PartVIISectionAGrp/TitleTxt8Real Estate Lending Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt9IT Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt10Consumer Lending Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Chair of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
IRS990/Form990PartVIISectionAGrp/TitleTxt15Director
IRS990/Form990PartVIISectionAGrp/TitleTxt16Director
IRS990/Form990PartVIISectionAGrp/TitleTxt17Director
IRS990/Form990PartVIISectionAGrp/TitleTxt18Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt19Director
IRS990/Form990PartVIISectionAGrp/TitleTxt20Secretary/Treasurer
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IRS990/FormationYr01958
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IRS990/FSAuditedInd01
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0247553125
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IRS990/PensionPlanContributionsGrp/TotalAmt0417332
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IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01

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