Overview / Commentary
838 S State St
Lockport, IL 60441

Canals & Trails Credit Union is headquartered in Lockport and is the 100th largest credit union in the state of Illinois. It is also the 3,228th largest credit union in the nation. It was established in 1959 and as of December of 2018, it had grown to 7 employees and 2,952 members at 1 location. Canals & Trails Credit Union has a C health rating.

Field of Membership Restrictions

Canals & Trails CU is open to any resident or person that works in the designated site listed cities, towns, and counties of Illinois, under the specified zip codes, and anyone that is employed by the eligible site listed companies, entities, or institutions, as well as the employees and executives of the Canals & Trails CU. The details, company names, and qualifying locations can be reviewed on the Canals & Trails CU website for convenience in determining your membership eligibility status.
See current membership details

Reviews (1)

Friendliest Staff

Posted by: Shoe60404 | Sep 14, 2011

The staff at Canals and trails CU are the best. Very friendly and treat you like family. Well done C&TCU. Thanks for all you do.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Canals & Trails Credit Union has a low asset base.

Health Grade Components

NCUA #68508
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD5.71%
Annual Interest Income$710.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$22.3MM$22.8MM
LoansQ4 2018vs Q4 2017$12.0MM$10.1MM
DepositsQ4 2018vs Q4 2017$20.0MM$20.6MM
Equity CapitalQ4 2018vs Q4 2017$2.3MM$2.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$220.00K$186.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$344.00K$36.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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Canals & Trails Credit Union Savings Account Rates

0.35%--IRA Savings Account
0.05%--Regular Share Savings Account
0.05%--Christmas Club
0.05%--Vaction Club
0.05%--Business Shares

Canals & Trails Credit Union Money Market Rates

0.05%--Money Market Account

Canals & Trails Credit Union CD Rates

0.50%$500-60 Month CD
0.40%$500-48 Month CD
0.35%$500-36 Month CD
0.25%$500-18 Month CD
0.10%$500-12 Month CD
0.05%$500-6 Month CD

Canals & Trails Credit Union Locations
Branch Office838 S State StLockport, IL 60441-3434

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