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Overview / Commentary
201 E 9th St
Lockport, IL 60441-3475

Canals & Trails Credit Union is headquartered in Lockport and is the 102nd largest credit union in the state of Illinois. It is also the 3,305th largest credit union in the nation. It was established in 1959 and as of June of 2016, it had grown to 6 employees and 2,747 members at 1 location. Canals & Trails Credit Union has a B 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 - YTD0.48%
Return on Equity - YTD5.52%
Annual Interest Income$329.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$22.4MM$21.1MM
LoansQ2 2016vs Q2 2015$10.1MM$10.0MM
DepositsQ2 2016vs Q2 2015$20.4MM$19.3MM
Equity CapitalQ2 2016vs Q2 2015$2.0MM$1.8MM
Loan Loss AllowanceQ2 2016vs Q2 2015$206.00K$187.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$76.00K$25.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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Canals & Trails Credit Union Savings Account Rates

0.35%$500-IRA Savings Account
0.05%$100-Regular Share Savings Account
0.05%$25-Christmas Club Account
0.05%$25-Vaction Club Account

Canals & Trails Credit Union Money Market Rates

0.15%*$25k*-Money Market Account
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $25k

Canals & Trails Credit Union Locations
Branch Office201 E 9th StLockport, IL 60441-3475