Nonprofit · EIN 36-6062499
EARTHMOVER CREDIT UNION
Tax-exempt · OSWEGO, IL 60543
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $28,400,228 | $22,614,373 | $5,785,855 | $456,458,981 | $374,710,028 | $81,748,953 |
| December 31, 2024 | 990 | $27,977,321 | $22,177,113 | $5,800,208 | $424,217,833 | $352,892,585 | $71,325,248 |
| December 31, 2023 | 990 | $21,600,522 | $16,423,160 | $5,177,362 | $381,228,183 | $321,155,639 | $60,072,544 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $23,352,240
- Investment income
- $5,047,988
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $4,000
- Compensation of officers, directors and key employees
- $2,721,804
- Other salaries and wages
- $2,657,010
- Salaries, compensation and benefits (total)
- $8,587,913
- Professional fundraising fees
- $0
- Legal fees
- $60,014
- Accounting fees
- $161,852
- Occupancy
- $446,816
- Travel
- $7,793
- Depreciation
- $769,928
Balance sheet and other
- Total assets, start of year
- $424,217,833
- Total assets, end of year
- $456,458,981
- Total liabilities, end of year
- $374,710,028
- Net assets, end of year
- $81,748,953
- Land, buildings and equipment
- $17,264,075
- Publicly traded securities
- $112,379,963
- Gross receipts
- $28,400,228
- Employees
- 136
- Volunteers
- 0
- Year formed
- 1958
- State of legal domicile
- IL
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Kelly McDonough | CEO/President Officer, Key employee, Highest-paid employee | 45 | $392,914 | $42,525 |
| Noreen Wilkerson | EVP of Finance Officer, Key employee, Highest-paid employee | 45 | $284,949 | $43,213 |
| Janel Cabadas | Executive Vice-President Officer, Key employee, Highest-paid employee | 45 | $276,876 | $23,442 |
| Robert T Westmoreland | EVP of Lending Officer, Key employee, Highest-paid employee | 45 | $233,992 | $30,118 |
| Amy Hart | Vice-President Key employee, Highest-paid employee | 45 | $225,919 | $28,828 |
| Matthew Meyer | Vice-President Key employee | 45 | $161,968 | $24,437 |
| Lisa Maratea | Vice-President Key employee | 45 | $136,386 | $32,029 |
| Shelli Chesnutt | Staff Accountant Manager Key employee | 40 | $138,620 | $19,863 |
| Stephanie Wuethrich | Director of Human Resources Key employee | 40 | $132,419 | $12,371 |
| Tyler Thomas | IT Manager Key employee | 40 | $99,919 | $35,822 |
| Marisa Medgyesi | Director of Marketing Key employee | 40 | $108,488 | $25,117 |
| Mandy Stafford | Consumer Lending Manager Key employee | 40 | $98,029 | $22,678 |
| Sarah Kiser | Vice-President Key employee | 45 | $120,218 | $0 |
| Shelli Kosner | Mortgage Loan Originator Key employee | 40 | $89,327 | $30,118 |
| Alex Pope | Director Trustee or director | 0.5 | $592 | $0 |
8 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Larry Szumski | Director Trustee or director | 0.5 | $511 |
| Michele Bergeron | Director Trustee or director | 0.5 | $497 |
| Maria Manzo | Director Trustee or director | 0.5 | $395 |
| Leonard Nelson | Director Trustee or director | 0.5 | $346 |
| Ronald Westphal | Chair of the Board Trustee or director | 0.5 | $0 |
| Michael Lamonica | Vice Chairman Trustee or director | 0.5 | $0 |
| Jill Ferko | Director Trustee or director | 0.5 | $0 |
| Rich Kish | Secretary/Treasurer Trustee or director | 0.5 | $0 |
990 for the year ended December 31, 2024: 21 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Kelly McDonough | CEO/President Officer, Highest-paid employee | 45 | $347,866 | $37,684 |
| Noreen Wilkerson | EVP Finance Officer | 45 | $277,297 | $36,795 |
| Robert T Westmoreland | Vice-President Officer | 45 | $221,722 | $29,649 |
| Janel Cabadas | Executive Vice-President Officer | 45 | $220,576 | $17,516 |
| Amy Hart | Vice-President Key employee | 45 | $211,608 | $25,255 |
| Matthew Meyer | Vice-President Key employee | 45 | $159,294 | $19,290 |
| Shelli Chesnutt | Staff Accountant Manager Key employee | 40 | $124,839 | $11,777 |
| Stephanie Wuethrich | Director of Human Resources Key employee | 40 | $123,106 | $11,077 |
| Lisa Maratea | Real Estate Lending Manager Key employee | 40 | $102,574 | $27,105 |
| Tyler Thomas | IT Manager Key employee | 40 | $97,244 | $27,010 |
| Mandy Stafford | Consumer Lending Manager Key employee | 40 | $94,316 | $24,172 |
| Leonard Nelson | Director Trustee or director | 0.5 | $428 | $0 |
| Ronald Westphal | Chair of the Board Trustee or director | 0.5 | $385 | $0 |
| Michele Bergeron | Director Trustee or director | 0.5 | $375 | $0 |
| Alex Pope | Director Trustee or director | 0.5 | $362 | $0 |
| Maria Manzo | Director Trustee or director | 0.5 | $349 | $0 |
| Larry Szumski | Director Trustee or director | 0.5 | $263 | $0 |
| Darla Mullner | Director Former | 0.5 | $262 | $0 |
| Michael Lamonica | Vice Chairman Trustee or director | 0.5 | $0 | $0 |
| Jill Ferko | Director Trustee or director | 0.5 | $0 | $0 |
| Rich Kish | Secretary/Treasurer Trustee or director | 0.5 | $0 | $0 |
990 for the year ended December 31, 2023: 20 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Kelly McDonough | CEO/President Officer, Highest-paid employee | 45 | $313,921 | $36,101 |
| Noreen Wilkerson | VP Finance Officer | 45 | $233,619 | $34,384 |
| Robert T Westmoreland | Vice-President Officer | 45 | $193,429 | $29,126 |
| Amy Hart | Vice-President Key employee | 45 | $186,482 | $25,189 |
| Janel Cabadas | Vice-President Key employee | 45 | $160,664 | $16,802 |
| Matthew Meyer | Vice-President Key employee | 45 | $129,681 | $18,545 |
| Stephanie Wuethrich | Director of Human Resources Key employee | 40 | $110,170 | $10,488 |
| Lisa Maratea | Real Estate Lending Manager Key employee | 40 | $91,329 | $25,953 |
| Tyler Thomas | IT Manager Key employee | 40 | $82,869 | $25,154 |
| Mandy Stafford | Consumer Lending Manager Key employee | 40 | $82,335 | $24,007 |
| Shelli Kosner | Mortgage Loan Originator Key employee | 40 | $81,363 | $24,945 |
| Michael Lamonica | Vice Chairman Trustee or director | 0.5 | $0 | $0 |
| Jill Ferko | Director Trustee or director | 0.5 | $0 | $0 |
| Darla Mullner | Director Trustee or director | 0.5 | $0 | $0 |
| Leonard Nelson | Director Trustee or director | 0.5 | $0 | $0 |
| Ronald Westphal | Chair of the Board Trustee or director | 0.5 | $0 | $0 |
| Rich Kish | Secretary/Treasurer Trustee or director | 0.5 | $0 | $0 |
| Maria Manzo | Director Trustee or director | 0.5 | $0 | $0 |
| Alex Pope | Director Trustee or director | 0.5 | $0 | $0 |
| Michele Bergeron | Director Trustee or director | 0.5 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 2195 BASELINE RD, OSWEGO, IL 60543-6006
- Principal officer (990 for 2025)
- Kelly McDonough, PO Box 2937, Aurora, IL 605072937
- Signed the 990
- Sarah Kiser, VP Finance
- Phone
- (630) 844-4950
- Website
- www.earthmovercu.com
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 accomplishments
- Provided credit union services to 31,213 members including 2,296 new member accounts.
- Issued 2,924 new loans and loan advances, totaling $42,806,694.
- Provided 18,103 checking services to members, including debit card services to 15,665 members.
- Other program services: Provided $5,629,496 in new home equity services to members; 445 home equity line of credit advances and 113 home equity closed end loans. Provided new mortgage services to 64 members, totaling $12,152,433. Provided VISA credit cards to 11,774 members; issued 442 new VISA credit cards. Financed 1,141 vehicles and 1,195 consumer loans, including 59 indirect loans. Provided 2,360,143 ATM transactions. Provided audio response to 3,821 members, online banking/bill payment internet access to 21,869 members, e-statement access to 13,124 members, mobile banking access to 20,615 members. Provided IRA accounts to 579 members. Provided consumer and credit union education directly to 19 and indirectly to about 2,654 students.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 36-6062499
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1958
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $456,458,981
- Income (IRS master file)
- $28,400,228
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $28,400,228 | $22,614,373 | $456,458,981 | IRS |
| 990 | December 2024 | $27,977,321 | $22,177,113 | $424,217,833 | IRS |
| 990 | December 2023 | $21,600,522 | $16,423,160 | $381,228,183 | XML |
| 990 | December 2022 | $18,135,015 | $13,608,595 | $376,266,633 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 36-6062499).
Questions about EARTHMOVER CREDIT UNION
- What is the EIN of EARTHMOVER CREDIT UNION?
- The employer identification number (EIN) of EARTHMOVER CREDIT UNION is 36-6062499.
- Is EARTHMOVER CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1958.
- Are donations to EARTHMOVER CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does EARTHMOVER CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of EARTHMOVER CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did EARTHMOVER CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of EARTHMOVER CREDIT UNION?
- The 990 for the year ended December 31, 2025 names Kelly McDonough.
- Who are the officers and directors of EARTHMOVER CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 23 people; 19 received compensation from the organization, the highest $392,914 (Kelly McDonough, CEO/President).
- How much revenue does EARTHMOVER CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $28,400,228, expenses of $22,614,373 and total assets of $456,458,981 at year end.
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