EARTHMOVER
Charter #97059 · Aurora, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 31,290 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 18.95% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.27% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 49th percentile but its structural peers at the 30th — a 20-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | EARTHMOVER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $473.09M | 98th pct | 84th pct |
| Members | 31,290 | 95th pct | 80th pct |
| Net worth ratio | 18.95% | 96th pct | 93th pct |
| Return on average assets | 1.27% | 82th pct | 75th pct |
| Net interest margin | 4.14% | 79th pct | 62th pct |
| Cost of funds | 0.93% | 35th pct | 48th pct |
| Loan-to-share | 67.25% | 40th pct | 46th pct |
| Delinquency 60+ days | 0.63% | 51th pct | 43th pct |
| Net charge-off ratio | 0.35% | 49th pct | 30th pct |
| Loan growth YoY | 1.18% | 59th pct | 52th pct |
| Share growth YoY | 6.50% | 84th pct | 82th pct |
| Efficiency ratio | 70.89% | 27th pct | 26th pct |
structural peer set hash: 931c47ae18d4d30fadf7ee03c1f46cd2… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.