ZUnclassifiedEIN: 366062499· Ruling Year: 1958

Earthmover Credit Union

Oswego, Illinois

B+Health Score
68B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 111 peers in Unclassified with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org3.66×
Peer Median5.86×
💰
$21.6M
Total Revenue
📊
$16.4M
Total Expenses
🏦
$60.1M
Net Assets
📋
$321.2M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+19.1%
Year-over-year change (2022 → 2023)
Net Margin
+24.0%
Revenue minus expenses as % of revenue
Working Capital Ratio
3.66
Net assets divided by total expenses
Liabilities-to-Assets
84.2%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$21,600,52219%$16,423,16021%$381,228,1831%
2022$18,135,0156%$13,608,5956%$376,266,6333%
2021$17,049,4893%$12,794,5293%$387,604,87214%
2020$16,549,9963%$12,453,6505%$339,748,04916%
2019$17,144,8968%$13,100,08910%$292,564,0377%
2018$15,856,5048%$11,908,89610%$272,252,1885%
2017$14,670,33511%$10,798,4194%$259,718,3855%
2016$13,272,0885%$10,426,7687%$247,983,5254%
2015$12,642,3804%$9,745,3663%$238,771,8986%
2014$12,178,1792%$9,426,1308%$225,671,8602%
2013$11,886,3472%$10,194,8325%$220,341,8721%
2012$12,139,6826%$10,723,2004%$223,092,3165%
2011$12,888,727$11,167,396$212,113,625

Frequently Asked Questions

What does Earthmover Credit Union do?

Earthmover Credit Union is a unclassified nonprofit organization based in Illinois. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Earthmover Credit Union financially healthy?

Based on our 9-metric Financial Health Score model, Earthmover Credit Union has a score of 68/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Earthmover Credit Union generate?

Earthmover Credit Union reports $28.0M in annual revenue and holds $424.2M in total assets, based on IRS filings.

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