Sep, 30, 2025 — LCO FEDERAL CREDIT UNION is a federal credit union headquartered in HAYWARD, WI with 1 branch location and about $2.65 million in total assets. Opened 25 years ago in 2001, LCO FEDERAL CREDIT UNION has about 1,301 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | LCO FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 13829 W County Road B HAYWARD, WI 54843 |
| Phone: | (715) 634-7772 |
| Fax: | (715) 634-7780 |
| Website: | https://www.lcofcu.com |
| Branches: | 1 branch locations |
| Members: | 1,301 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24648 |
|---|---|
| Membership Type: | Associational - Other than religious or fraternal, or 'low-income' |
| Corporate Credit Union: | No |
| Year Opened: | 2001 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $2,650,334 |
| CEO/Manager: | Joy Taylor |
| Chairperson: | Christopher J Gokey |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,082,990 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 362,663 |
| Other Loans | 455,269 |
| TOTAL LOANS | 817,932 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -19,589 |
| Land And Building | 0 |
| Other Fixed Assets | 0 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 19,808 |
| All Other Assets | 0 |
| TOTAL ASSETS | 2,650,334 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 636 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 8,552 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 100,000 |
| Share Drafts | 274,687 |
| Regular shares | 1,850,255 |
| All Other Shares & Deposits | 118,859 |
| TOTAL SHARES & DEPOSITS | 2,243,801 |
| TOTAL LIABILITIES | 2,352,989 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 297,345 |
| TOTAL EQUITY | 297,345 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 2,650,334 |
| INCOME & EXPENSE | |
| Loan Income | 77,688 |
| Investment Income | 37,583 |
| Other Income | 31,040 |
| Total Employee Compensation & Benefits | 145 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 131,181 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 9,626 |
| Cost of Funds | 477 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 22,650 |
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