Low-Income Designation

Grow Membership & Expand Lending with a Low-Income Designation

Data-Driven LID Support for Credit Unions

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Bar chart comparing LID and Non-LID key performance indicators: LID has 9.2% and 0.89, Non-LID has 7.0% and 0.80, for 2014-2023 average.

Why LID Matters More Than Ever

Running a credit union today means navigating a storm of challenges:

LID Education

Business Lending Cap: Credit unions are restricted to a 12.25% cap on 
member business loans, limiting their ability to support local entrepreneurs.

Fixed Asset & PCA Rules: Regulations like the fixed asset cap and net worth requirements constrain growth and operations.

Missed Grants & FOM Growth: Without LID, credit unions lose access to 
financial grants and face challenges expanding into underserved areas.

But there’s a strategic solution that can give your credit union a real advantage:

A Low-Income Designation (LID)

An undeniable, competitive edge

Credit Unions with LID gain access to a host of benefits:

Lift the MBL Cap: Fuel local lending without limits
Boost Net Worth: Subordinated debt counts toward your net worth ratio
Accept Non-Member Deposits: Raise up to $3M or 50% of total shares
Access CDRLF Funding: Tap NCUA grants and low-cost loans
Expand Membership: Add volunteers, association participants, and more

We deliver fast and informed LID results by combining proprietary software built with custom tools and deep subject matter expertise

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100
%
success rate in
LID designations
100
%
approval rate for securing
secondary capital
46
active LID clients
in 2024
CDRLF
funding secured for
12 credit unions
Your Path to Approval

Three Routes to LID

With our proven approach, any credit union can attain LID. We guide you through the path that makes the most strategic and practical sense for your institution.

Book Your LID Strategy Session
01/

AIRES Data
Analysis

The standard and most common route—match member data to LID geographies.

02/

Presumed Low-Income Community

The standard and most common route—match member data to LID geographies.

03/

Loan Portfolio Analysis

The standard and most common route—match member data to LID geographies.

Why LID Matters More Than Ever

We provide credit unions with a path to attain LID with certainty. And once you attain LID, we make it easier for you to keep it.

Book Your LID Strategy Session

Built to Help You Attain and Retain LID

Baseline Assessment: Review your current data and eligibility

Data Clean-Up & Enrichment

Identify data enrichment needed to maximize your current membership potential with qualifying individuals

Another Option for those with a Federal Community Charter

Easily build reports to demonstrate that a majority of the total potential membership meets the low-income definition.

For a Select Few, Loan Analysis is the Answer

Identify the % of Your Loans Issued to a Low-Income Target Population

Forward Flow Lending Partners

Our fintech lending partners leverage CUCollaborate’s proprietary LID & FOM APIs along with the credit union’s membership application and loan documentation to provide our clients with a consistent pipeline of new members and qualifying loans

Already have LID

We make it easier for you to retain your status through tracking and monitoring tools, including LID dashboards, APIs, and custom mapping tools.

Achieve More with the Power of LID

Regardless of where you are in your LID journey, we’ll help you use LID to fuel your mission, fund your growth, and serve your members better.

Schedule Your LID Strategy Session

Meet Our Experts 

Our team brings decades of experience in credit union mergers, strategic planning, and financial modeling.

Armand Parvazi
Strategic Advisor
Jason Rusten
Advisory Director
Lara Gooding
Senior Advisory Consultant