Hi Squire
Ok well lets look at the data....first off you gave us Martha's particulars
LLOYD, MARTHA J.
  Date of Birth  2/12/1888 
 Place of Birth  SIDNEY,IL 
 Father  WILSON,HENRY 
 Mother  FULTON,SARAH 
 Spouse  WILBUR+FRED 
 Wedding Date  6/20/1925 
 Date of Death  9/6/1965 
 Cemetery  MAYVIEW,IL 
and so a search for Fred gives us this:
LLOYD, FREDERICK R.
 ate of Birth  4/7/1873 
 Place of Birth  CATLIN,IL. 
 Father  LLOYD,HENRY 
 Mother  CHURCH,SARAH 
 Spouse  MARTHA 
 Wedding Date   
 Date of Death  10/30/1965 
 Cemetery  OAK RIDGE 
Soooo...since Fred died after Sarah did by one month...we can be sure that he was her last husband....and quite likely she was his last wife.  Not sure if he had been married earlier but it looks like Martha had been.  So then a look at teh 1930 census and sure enough Raymond age 16 is a step son to Fred. So that means that Martha was married by 1914 probably.  Knowing her birth year and where her parents were born from the 1930 census is the best clue you have.  Go back to 1900 and find her with her parents who we know from the MI info were named Henry and Sarah.  They are easily found living in Raymond, Champaign, IL and Martha is age 12.  So then search in 1910 for first name Martha b. Illinois in 1888 with a spouse named Wilbur.  Bingo....
Name: Martha Duncan 
b. ab. 1888
Birthplace: Illinois  
Father born Ohio
Mother born Tennessee 
 
Living in......Raymond, Champaign, Illinois 
Household Members: 
Wilbur J Duncan age 27 head  
Martha Duncan age 22 wife  
and then looking in 1920 is a snap...she's back at home and a widow...
Martha Duncan
[Martha Wilson]  
living in Saint Joseph, Champaign, Illinois 
Father born Ohio  
Mother born Tennessee 
members of the household 
Sarah Wilson age 52  
Martha Duncan age 30 dau widow 
Edith Wilson age 29  
Ruby Wilson age 26  
Elsie Wilson age 23  
Russell Wilson age 18  
Ronald Duncan age 6  
 
Best wishes
Jean