There is a Lulu Loyd on the 1901 Census in South Fredericksburgh Twp., Lennox & Addington County who is 1 year old. She is listed as the daughter of Wilson and Annie Loyd. She has siblings William H. (age 21), Elizabeth (19) and Frederick B. (10).
On the 1911 Census, Lula LLoyd (note the spellings) is 11 years old and living with her older single brother William Lloyd (31 and listed as head of household), plus her mother Annie (Census indicates she is still married), and the grandmother of William (and supposedly Lula) Mamie Lloyd (age 74).
The only problem is that Lula is now listed as the niece of William in her relationship to the head of the household.
The 1911 Census clearly shows William on Concession 2, Lot 1 of South Fredericksburgh Twp.
Annie Loyd (Lloyd) would have been 49 when Lulu was born in 1900. That is not impossible. However, unless Lulu (or Lula's) birth registration actually identifies her parents, she may have been adopted although neither the 1901 or 1911 Census points out she is adopted. The 1901 Census indicates she is "White" as in being a caucasian.
Just because someone has dark hair and dark skin does not indicate "Native" ancestry. There are many Mohawks today that have blond hair and blue eyes. That does not make them Swedish or Norwegian.
People at the turn of the 20th Century worked on their farms in the sun because they had to do so. They did not have Hawaiian Tropic suntan lotion or sunblock to keep their skin white.
There were both LOYD and LLOYD families in Lennox County. I am not sure if there was a dispute that made them spell surnames differently but it happened a fair bit in those days. Or maybe the Enumerator just did not know how to spell surnames. Literacy was not necessary for farming back then -- Just muscles and a desire to work hard.