2026-08-18T11:13:02-07:00 2025-12-31 990 2025-01-01 746047884 LUBRIZOL EMPLOYEES CREDIT UNION LUBR 2814796651 PO Box 158 Deer Park TX 77536 Julia Tibbals Accounting Manager 2814796651 2026-08-07 2025 2025-03-06 01:10:19Z Rosaura Flores PO Box 158 Deer Park TX 77536 2940249 0 X www.lzecu.org X Credit Union 1953 TX Lubrizol Employees' Credit Union is a cooperative thrift institution regulated by the Texas Credit Union Department. We offer products and services in three primary areas: share accounts, checking accounts, and consumer loans. 7 7 8 9 1436 0 0 0 1783987 2149744 821851 790505 0 0 2605838 2940249 0 0 272412 252620 762818 775965 0 0 0 981073 1215140 2016303 2243725 589535 696524 51316279 49186929 288915 270884 51027364 48916045 Our mission is to build lifelong relationships through family friendly service and provide beneficial, progressive financial services. Our vision is to be the financial services provider of choice, enriching the lives of our members and employees. 0 0 264774 Share Accounts - Our share accounts offer advantages to members of all ages. The credit union had 3,466 member-owners as of 12/31/2025. Member share accounts offer competitive rates and dividends are paid quarterly. In addition to our regular share accounts, we offer special share accounts designed for children, teenagers and young adults to encourage the development of consistent saving habits to build a stronger financial future. Active members age 18 and over have a free $2,000 AD&D insurance coverage. We also offer a variety of convenient services at little to no cost, including notary services, money orders and wire transfers. 12944 Checking Accounts - We offer free checking accounts to our members. Features include Visa Check Card, mobile deposit, overdraft protection, online account access, audio response teller, bill pay and worldwide ATM access. There is no monthly service charge and dividends are paid monthly. 354305 0 1553108 Consumer Loans - We offer flexible terms and low rates on all types of loans for our members. These include vehicle loans, home equity loans, signature loans and credit card. We offer Auto Buying Center to provide resources for members in the process of purchasing new or used vehicles. 0 0 0 632023 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 2 0 1 8 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 0 1 1 1 0 TX X Lubrizol Employees' Credit Union 2814796651 PO Box 158 Deer Park TX 77536 Rosaura Flores President/CEO 50.00 X 192165 0 31830 Richard Miller Chairman 0.50 X 0 0 0 Daniel Koons Vice Chairman 0.50 X 0 0 0 Joseph Morris Treasurer 0.5 X 0 0 0 Delinda Dutton Secretary 0.50 X 0 0 0 Gary Aldrich Director 0.50 X 0 0 0 Gabe Aguilar Director 0.5 X 0 0 0 Greg Drummond Director 0.5 X 0 0 0 Waynisha Edwards Supervisory Committee Chairman 0.25 X 0 0 0 Gregory Heath Jones Supervisory Committee Chairman 0.25 X 0 0 0 192165 0 31830 1 0 1 0 0 0 Interest on Loans 522130 1553108 1553108 0 0 Fee Inocme 522130 299036 297600 1436 0 Other Operating Income 522130 297600 297600 0 0 0 0 0 0 2149744 790505 0 0 790505 0 0 0 0 0 0 0 0 0 0 0 0 0 2940249 2148308 1436 790505 252620 252620 192165 192165 397326 397326 46720 46720 94704 94704 45050 45050 -851 -851 25948 25948 150293 150293 97087 97087 11050 11050 49775 49775 8602 8602 0 0 138269 138269 Provision for Loan Loss 166093 166093 0 0 Loan Servicing 188213 188213 0 0 Professional and Outside Services 343165 0 343165 0 Gain(Loss) on Disposal of Assets 0 0 0 0 37496 0 37496 0 2243725 632023 1611702 0 477514 409708 935273 1220620 24648994 26128400 93687 86300 3242901 422214 2922834 2820687 21029981 16503981 1207996 2017233 51316279 49186929 288915 270884 288915 270884 X 41959742 39511388 0 0 9067622 9404657 51027364 48916045 51316279 49186929 X 696524 0 0 0 0 -2807843 X 1 X 1 X 1 0 0 45000 45000 0 2666612 205223 2461389 0 0 0 0 0 531289 216991 314298 0 0 0 0 2820687 Banks, S&L, Savings Banks 10352000 C Credit Union 746000 C Corporate Credit Union (Perpetual Capital) 40981 C Held to Maturity 5365000 C 16503981 X X 0 0 0 Rosaura Flores President/CEO 192165 0 31830 0 0 0 0 0 0 0 223995 0 0 Form 990, Part VI, Section A, Line 6 We have members who elect the Board of Directors. Form 990, Part VI, Section A, Line 7a We hold an annual meeting of members to elect open board of director positions. All credit union members age 18 and older have one vote in election. Form 990, Part VI, Section B, Line 11b A copy of Form 990 is provided to each member of the board of directors at the monthly board meeting for their approval. Form 990, Part VI, Section B, Line 12c As a small organization, we reply on an open communication and immediately address any conflicts. Form 990, Part VI, Section B, Line 15 The Board of Directors utilized the compensation survey obtained from Cornerstone Credit Union League as one aspect in determining compensation for the President/CEO. Decisions are documented in signed minutes of the meeting(s). Form 990, Part VI, Section C, Line 19 Our governing documents and conflicts of interest policy are available to our members upon request. Financial Statements are posted in our lobby each month. Form 990, Part XI, Line 9 The decrease in our assets is due to a decrease in member shares/savings. Filed an extension on March 25, 2026. Received notice that the extension was approved April 13, 2026 and need to file before November 15, 2026.