Canals & Trails Credit Union

Canals & Trails Credit Union is headquartered in LOCKPORT and is the 118^st largest credit union in the state of Illinois. It is also the 3,672^nd largest credit union in the nation. It was established in 1959 and as of December of 2011, it had grown to 5 employees and 2,633 members. Canals & Trails Credit Union has a 3-star health rating.

Canals & Trails Credit Union Savings Account Rates

Canals & Trails Credit Union Money Market Rates

Data for Q4 2011

Institution Statistics CANALS & TRAILS NCUA # 68508 BankRate Report View Year Chartered 1959 Employees 5 Primary Regulator Assets and Liabilities Assets $18.59 million Loans $9.55 million Deposits $17.14 million Equity Capital $1.43 million Loan Loss Allowance $300,000 Unbacked Noncurrent Loans $401,000 Historic Data - December 2010 Assets $18.84 million Equity Capital $1.50 million Loan Loss Allowance $139,000 Unbacked Noncurrent Loans $119,000 Profit Margin - Quarterly Net Interest Margin 5.8% Return on Assets -0.38% Return on Equity -4.9% Interest Income $737,000 Non-Interest Income $87,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Canals & Trails Credit Union had $401,000 in non-current loans and owned real-estate with $1.73 million in equity and loan loss allowances on hand to cover it. This gives Canals & Trails Credit Union a Texas Ratio of 23.21% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Canals & Trails Credit Union increased slightly from 7.26% as of December 31, 2010 to 23.21% as of December 31, 2011, resulting in a negative change of 219.62%. This indicates that the balance sheet and financial strength for Canals & Trails Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Canals & Trails Credit Union has decreased its total deposits by $-32,000, resulting in -0.19% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Canals & Trails Credit Union has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Canals & Trails Credit Union has $18.59 million in assets with $1.73 million in equity, resulting in a capitalization level of 9.29%, which is average.