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Canals & Trails Credit Union


Overview / Commentary
815-838-7159
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 3,193rd largest credit union in the nation. It was established in 1959 and as of March of 2019, it had grown to 7 employees and 2,964 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.



Health
C+
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

Overall
NCUA #68508
Year Chartered1959
Employees7
Primary Regulator
Profit Margin
Return on Assets - YTD0.37%
Return on Equity - YTD3.68%
Annual Interest Income$188.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$23.5MM$22.8MM
LoansQ1 2019vs Q1 2018$12.6MM$10.1MM
DepositsQ1 2019vs Q1 2018$21.2MM$20.5MM
Equity CapitalQ1 2019vs Q1 2018$2.3MM$2.2MM
Loan Loss AllowanceQ1 2019vs Q1 2018$196.00K$169.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$326.00K$18.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
Rates
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Canals & Trails Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Money Market Account

Canals & Trails Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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

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