TellerScore

Headquartered in Lockport, Illinois, Canals & Trails Credit Union is a federally insured state-chartered credit union with $34.2M in total assets and $30.4M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1959.

Canals & Trails Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 62nd. Funding & liquidity contributes the most (100/100, 26% loans-to-deposits, 0% uninsured); capital cushion contributes the least (61/100, 11.14%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.14%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.23%
Earnings76/100
Return on assets (annualized): 1.40%
Funding & liquidity100/100
Loans ÷ shares: 26.1% · 0.2% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.48%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (72 → 81), mostly because the earnings component improved by 25 points.

TellerScore
546881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202465
Q4 202470
Q1 202571
Q2 202572
Q3 202575
Q4 202571
Q1 202675
Q2 202681
Net worth ratio
7.00%9.07%11.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.45%
Q3 20249.93%
Q4 20249.86%
Q1 20259.52%
Q2 20259.90%
Q3 202510.54%
Q4 202510.71%
Q1 202610.59%
Q2 202611.14%
Delinquent loans (60+ days)
0.16%0.89%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.63%
Q3 20240.57%
Q4 20240.18%
Q1 20250.16%
Q2 20250.35%
Q3 20250.26%
Q4 20250.76%
Q1 20260.52%
Q2 20260.23%
Return on assets
0.10%0.75%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.10%
Q3 20240.23%
Q4 20240.34%
Q1 20250.63%
Q2 20250.77%
Q3 20250.88%
Q4 20250.85%
Q1 20261.05%
Q2 20261.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$34.2M11.14%0.23%1.40%26.1%
Q1 202675$34.6M10.59%0.52%1.05%25.1%
Q4 202571$33.3M10.71%0.76%0.85%26.8%
Q3 202575$33.3M10.54%0.26%0.88%28.9%
Q2 202572$34.6M9.90%0.35%0.77%28.0%
Q1 202571$35.1M9.52%0.16%0.63%27.7%
Q4 202470$33.3M9.86%0.18%0.34%30.8%
Q3 202465$32.5M9.93%0.57%0.23%33.6%
Q2 202454$33.8M9.45%1.63%0.10%32.9%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.14%
25th
Problem loans0.23%
72nd
Net charge-offs0.33%
37th
Return on assets1.40%
82nd
Loans to deposits26.1%
92nd
Uninsured deposits0.2%
60th
Loan-loss reserves0.00%
37th
Texas ratio0.5%
75th

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InstitutionScoreAssetsCapitalProblem loansCompare
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Area Educational Credit UnionCredit union Mattoon, IL87 out of 100, Very strong$33.7M20.4%0.92%vs
Illinois Valley Credit UnionCredit union Peru, IL58 out of 100, Moderate$36.3M10.1%0.34%vs
Sherwin Williams Emp. Credit UnionCredit union South Holland, IL71 out of 100, Strong$37.0M13.6%0.94%vs
Siue Credit UnionCredit union Edwardsville, IL74 out of 100, Strong$30.7M10.6%0.22%vs
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Deposit insurance

Is my money safe at Canals & Trails Credit Union?

Yes. Canals & Trails Credit Union is a federally insured credit union (NCUA charter #68508). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.2% of shares and deposits ($69K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.14%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Canals & Trails Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Canals & Trails Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68508
RSSD ID
711687
Primary regulator
State + NCUA
Established
1959
Headquarters
838 S State St, Lockport, IL 60441
Employees
11

Quick answers

Canals & Trails Credit Union: common questions

Is Canals & Trails Credit Union NCUA insured?

Yes. Canals & Trails Credit Union is a federally insured credit union (NCUA charter #68508). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Canals & Trails Credit Union's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Canals & Trails Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lockport

InstitutionScoreAssetsCapitalProblem loansCompare
Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL100 out of 100, Very strong$10.0M19.4%0.00%vs
Western Springs Federal Credit UnionCredit union Western Springs, IL95 out of 100, Very strong$3.9M18.2%0.46%vs
Aurora Policemen Credit UnionCredit union Aurora, IL95 out of 100, Very strong$26.3M15.3%0.00%vs
Aurora Firefighters' Credit UnionCredit union Aurora, IL93 out of 100, Very strong$2.7M16.1%0.00%vs
St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL93 out of 100, Very strong$383K15.0%0.00%vs
Policemen'S Federal Credit UnionCredit union South Bend, IN92 out of 100, Very strong$95.5M16.4%0.29%vs