EARTHMOVER CREDIT UNION

EIN: 366062499

Aurora, IL

Total Revenue
$27,977,321
Total Expenses
$22,177,113
Total Assets
$424,217,833
Net Assets
$71,325,248
🔒

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

Sign In — Free (10 views/day)

Financial Trends

Organization Details

Formation Year
1958
Legal Domicile
IL
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

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.

🔒

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%)

Sign In — Free (10 views/day)

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

Sign In

Governance

Voting Members
9
Independent Members
9
Employees
127
Volunteers
9

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
4
$1,189,105
Total Directors
9
$2,162
Key Employees
7
$1,058,667
Highest Compensated
1
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
Explore More Nonprofits
→Top 100 Nonprofits in Illinois →Largest U.S. Nonprofits →Best Rated Nonprofits →Most Efficient Nonprofits

Compare EARTHMOVER CREDIT UNION with other nonprofits in Illinois and across the country.

We Value Your Privacy
We use cookies and similar technologies to analyze site traffic and improve your experience. By clicking "Accept All", you consent to our use of cookies for analytics and measurement.