Sep, 30, 2025 — LAND OF LINCOLN CREDIT UNION is a federally insured state chartered credit union headquartered in DECATUR, IL with 15 branch locations and about $475.41 million in total assets. Opened 79 years ago in 1947, LAND OF LINCOLN CREDIT UNION has about 35,517 members and employs 144 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | LAND OF LINCOLN CREDIT UNION |
|---|---|
| Address: (Main Office) | 4850 E Prosperity Place DECATUR, IL 62521 |
| Phone: | (217) 864-3030 |
| Fax: | (217) 864-3021 |
| Website: | https://www.llcu.org |
| Branches: | 15 branch locations |
| Members: | 35,517 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 63716 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1947 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $475,412,790 |
| CEO/Manager: | Robert Ares |
| Chairperson: | Antonio D Brown |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 13,430,577 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 170,981,152 |
| Unsecured Loans | 22,630,684 |
| Other Loans | 152,005,114 |
| TOTAL LOANS | 345,616,950 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -2,215,631 |
| Land And Building | 10,768,866 |
| Other Fixed Assets | 1,853,919 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 3,927,291 |
| All Other Assets | 106,500 |
| TOTAL ASSETS | 475,412,790 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 4,905 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,128,314 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 112,224,495 |
| Regular shares | 149,562,659 |
| All Other Shares & Deposits | 167,398,175 |
| TOTAL SHARES & DEPOSITS | 429,185,329 |
| TOTAL LIABILITIES | 431,318,548 |
| Regular Reserve | 0 |
| Other Reserves | -1,721,907 |
| Undivided Earnings | 45,816,149 |
| TOTAL EQUITY | 44,094,242 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 475,412,790 |
| INCOME & EXPENSE | |
| Loan Income | 16,378,702 |
| Investment Income | 2,459,212 |
| Other Income | 3,566,273 |
| Total Employee Compensation & Benefits | 8,563,492 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 9,274,793 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,394,665 |
| Cost of Funds | 4,710,436 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,986,237 |
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