Sep, 30, 2025 — LIMESTONE FINANCIAL CREDIT UNION (LFCU) is a federally insured state chartered credit union headquartered in MANISTIQUE, MI with 3 branch locations and about $78.27 million in total assets. Opened 72 years ago in 1954, LIMESTONE FINANCIAL CREDIT UNION (LFCU) has about 4,904 members and employs 29 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | LIMESTONE FINANCIAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 131 River St MANISTIQUE, MI 49854 |
| Phone: | (906) 341-5866 |
| Fax: | (906) 341-6070 |
| Website: | https://www.limestonefcu.com |
| Branches: | 3 branch locations |
| Members: | 4,904 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68743 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1954 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $78,266,166 |
| CEO/Manager: | Jennifer C Watson |
| Chairperson: | Kristina M Hansen |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 8,054,774 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 29,980,721 |
| Unsecured Loans | 6,220,069 |
| Other Loans | 27,150,863 |
| TOTAL LOANS | 63,769,661 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -259,876 |
| Land And Building | 1,101,608 |
| Other Fixed Assets | 228,089 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 635,399 |
| All Other Assets | 0 |
| TOTAL ASSETS | 78,266,166 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 17 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 904,826 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 12,106,412 |
| Regular shares | 24,807,023 |
| All Other Shares & Deposits | 31,919,216 |
| TOTAL SHARES & DEPOSITS | 68,832,652 |
| TOTAL LIABILITIES | 69,738,662 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 8,527,504 |
| TOTAL EQUITY | 8,527,504 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 78,266,166 |
| INCOME & EXPENSE | |
| Loan Income | 3,194,058 |
| Investment Income | 295,968 |
| Other Income | 285,713 |
| Total Employee Compensation & Benefits | 1,258,286 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,241,819 |
| Non-operating Income & (Expense) | 16,050 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 194,252 |
| Cost of Funds | 975,510 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 542,178 |
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