EARTHMOVER CREDIT UNION

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1958

Legal Domicile

Principal Officer

Kelly McDonough

Phone

6308444950

Tax Period

2024-01-01 to 2024-12-31

EARTHMOVER CREDIT UNION, founded in 1958, is a mid-sized nonprofit that reported $28.0M in total revenue in fiscal year 2024. Revenue surged 30% from the prior year, signaling strong growth momentum. The organization ran a surplus of $5.8M, a strong 21% operating margin.

Mission

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

Program Service Accomplishments

Program 1

Provided credit union services to 31,132 members including 1,759 new member accounts.

Program 2

Issued 2,944 new loans and loan advances, totaling $42,626,681.

Program 3

Provided 17,022 checking services to members, including debit card services to 14,622 members.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $21,808,848

Investment Income $6,168,473

Other Revenue $0

TOTAL REVENUE $27,977,321

Expense Breakdown

Grants Paid $4,000

Salaries & Benefits $8,218,463

Fundraising Expenses $0

Program Expenses $0

Other Expenses $13,954,650

TOTAL EXPENSES $22,177,113

Year-over-Year Comparison

	2024	2023	Change
Revenue	$27,977,321	$21,600,522	+0.3%
Expenses	$22,177,113	$16,423,160	+0.4%
Net Income	$5,800,208	$5,177,362	+0.1%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✓ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

127

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$1,189,105

Total Directors

$2,162

Key Employees

$1,058,667

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Kelly McDonough	CEO/President	45	Officer Highest	$347,866	$37,684	$385,550
Noreen Wilkerson	EVP Finance	45	Officer	$277,297	$36,795	$314,092
Robert T Westmoreland	Vice-President	45	Officer	$221,722	$29,649	$251,371
Janel Cabadas	Executive Vice-President	45	Officer	$220,576	$17,516	$238,092
Amy Hart	Vice-President	45	Key Emp	$211,608	$25,255	$236,863
Matthew Meyer	Vice-President	45	Key Emp	$159,294	$19,290	$178,584
Shelli Chesnutt	Staff Accountant Manager	40	Key Emp	$124,839	$11,777	$136,616
Stephanie Wuethrich	Director of Human Resources	40	Key Emp	$123,106	$11,077	$134,183
Lisa Maratea	Real Estate Lending Manager	40	Key Emp	$102,574	$27,105	$129,679
Tyler Thomas	IT Manager	40	Key Emp	$97,244	$27,010	$124,254
Mandy Stafford	Consumer Lending Manager	40	Key Emp	$94,316	$24,172	$118,488
Leonard Nelson	Director	0.5	Director	$428	$0	$428
Ronald Westphal	Chair of the Board	0.5	Director	$385	$0	$385
Michele Bergeron	Director	0.5	Director	$375	$0	$375
Alex Pope	Director	0.5	Director	$362	$0	$362
Maria Manzo	Director	0.5	Director	$349	$0	$349
Larry Szumski	Director	0.5	Director	$263	$0	$263
Darla Mullner	Director	0.5		$262	$0	$262
Michael Lamonica	Vice Chairman	0.5	Director	$0	$0	$0
Jill Ferko	Director	0.5	Director	$0	$0	$0
Rich Kish	Secretary/Treasurer	0.5	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	No data	No data	No data	No data
2024	$27,977,321	$22,177,113	$424,217,833	$5,800,208
2023	$21,600,522	$16,423,160	$381,228,183	$5,177,362
2022	$18,135,015	$13,608,595	$376,266,633	$4,526,420
2021	$17,049,489	$12,794,529	$387,604,872	$4,254,960
2020	$16,549,996	$12,453,650	$339,748,049	$4,096,346
2019	$17,144,896	$13,100,089	$292,564,037	$4,044,807
2018	$15,856,504	$11,908,896	$272,252,188	$3,947,608