Credit union · NCUA insured
Canals & Trails Credit Union
A $34.6M credit union headquartered in Lockport, IL, with 3,119 members and 2 branches in Illinois.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Canals & Trails Credit Union
- Headquarters
- 838 S State St, Lockport, IL 60441-3434
- NCUA charter
- 68508
Branches
2 branches in Illinois
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Illinois
2 branches
- Canals & Trails Credit Union Main OfficeMain office838 S State St, Lockport, IL 60441Directions
- Romeoville Branch2 Belmont Dr, Romeoville, IL 60446Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.14% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.23% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.42% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $26 | $59 | — |
- CapitalNet worth ratio11.14%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.23%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.42%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$26Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Canals & Trails Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.