Lockport, Illinois · Peer group 3
Canals & Trails Credit Union
Canals & Trails Credit Union holds $34.6M in assets across 3,119 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1959. Charter number 68508, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $34.6M |
|---|---|
| Total loans | $7.8M |
| Total shares (deposits) | $30.9M |
| Net worth | $3.7M |
| Members | 3,119 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.5% | |
|---|---|---|
| Loans | -11.6% | around the 14th percentile of its peer group |
| Deposits | -2.7% | around the 25th percentile of its peer group |
| Members | -3.5% | around the 27th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 25.1% | lower than 95% of its peer group |
|---|---|---|
| Net worth ratio | 10.6% | around the 23rd percentile of its peer group |
| Return on assets | 1.05% | around the 71st percentile of its peer group |
| Delinquency ratio | 0.52% | around the 46th percentile of its peer group |
| Cash / assets | 8.5% | around the 34th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Canals & Trails Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Illinois — the comparison set a peer ratio is measured against.
- Service Plus Credit Union
Moline, IL
$35.4M · 1,592 members
- Elca Credit Union
Chicago, IL
$35.5M · 2,352 members
- Area Educational Credit Union
MATTOON, IL
$33.2M · 2,325 members
- Illinois Valley Credit Union
Peru, IL
$37.5M · 4,213 members
- Mwrd Employees Credit Union
CHICAGO, IL
$37.9M · 2,120 members
- Siue Credit Union
Edwardsville, IL
$30.0M · 1,633 members
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