Sep, 30, 2025 — TLCU FINANCIAL CREDIT UNION is a federally insured state chartered credit union headquartered in MISHAWAKA, IN with 2 branch locations and about $56.35 million in total assets. Opened 73 years ago in 1953, TLCU FINANCIAL CREDIT UNION has about 3,938 members and employs 15 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | TLCU FINANCIAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1816 N Main St MISHAWAKA, IN 46545-5616 |
| Phone: | (574) 255-3193 |
| Fax: | (574) 258-7622 |
| Website: | https://www.tlcufinancial.org |
| Branches: | 2 branch locations |
| Members: | 3,938 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68286 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1953 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $56,350,089 |
| CEO/Manager: | Kendra Fleckner |
| Chairperson: | Deric Eggleston |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,811,123 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 4,636,464 |
| Unsecured Loans | 1,900,587 |
| Other Loans | 12,825,474 |
| TOTAL LOANS | 19,362,525 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -85,105 |
| Land And Building | 1,853,503 |
| Other Fixed Assets | 79,127 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 437,697 |
| All Other Assets | 0 |
| TOTAL ASSETS | 56,350,089 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 327,743 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 8,078,279 |
| Regular shares | 29,591,205 |
| All Other Shares & Deposits | 9,348,396 |
| TOTAL SHARES & DEPOSITS | 47,017,880 |
| TOTAL LIABILITIES | 47,345,998 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 9,004,091 |
| TOTAL EQUITY | 9,004,091 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 56,350,089 |
| INCOME & EXPENSE | |
| Loan Income | 877,112 |
| Investment Income | 949,380 |
| Other Income | 231,108 |
| Total Employee Compensation & Benefits | 731,542 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 741,266 |
| Non-operating Income & (Expense) | 10,397 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 55,687 |
| Cost of Funds | 380,231 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 467,621 |
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