Credit Union Safety Analysis
Is Canals & Trails Credit Union Safe? Lockport, Illinois
Based on its Q2 2026 NCUA 5300 call report, Canals & Trails Credit Union has a net worth ratio of 11.14%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.23%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Canals & Trails Credit Union's net worth ratio is 11.14%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.14%
- Delinquency ratio (60+ days) (Q2 2026): 0.23%
- Return on assets (Q2 2026): 1.74%
- Loan-to-share ratio (Q2 2026): 26.06%
Canals & Trails Credit Union (NCUA charter 68508, established 1959) reported $34.2M in assets and 3,103 members for Q2 2026 from Lockport, Illinois. It ranks 80 of 185 credit unions in Illinois by total assets. Total assets fell 0.9% from $34.6M on June 30, 2025. It has 109 fewer members than on June 30, 2025 (-3.4%). Its net worth ratio was up 1.24 percentage points from 9.90% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $4.0M of $7.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.23% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 10.59% for Q1 2026; 9.90% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.52% for Q1 2026; 0.35% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.05% for Q1 2026; 0.90% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 25.15% for Q1 2026; 27.97% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $4.0M
- Used vehicle loans: $2.1M
- New vehicle loans: $968K
- Unsecured credit card loans: $336K
- Other secured non-real estate loans and lines of credit: $265K
- Other unsecured loans and lines of credit: $185K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $34.2M | 11.14% | 0.23% | 1.74% | 26.06% |
| March 31, 2026 | $34.6M | 10.59% | 0.52% | 1.05% | 25.15% |
| December 31, 2025 | $33.3M | 10.71% | 0.76% | 0.79% | 26.84% |
| September 30, 2025 | $33.3M | 10.54% | 0.26% | 1.03% | 28.88% |
| June 30, 2025 | $34.6M | 9.90% | 0.35% | 0.90% | 27.97% |
| March 31, 2025 | $35.1M | 9.52% | 0.16% | 0.63% | 27.70% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Canals & Trails Credit Union profile
Regulator records: NCUA credit union profile (charter 68508) · FFIEC NIC profile (RSSD 711687)
Frequently asked questions
Is Canals & Trails Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Canals & Trails Credit Union's net worth ratio is 11.14%, above the 7% NCUA threshold for well capitalized.
Is Canals & Trails Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Canals & Trails Credit Union is a federally insured credit union (NCUA charter 68508): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Canals & Trails Credit Union's key safety ratios?
For Q2 2026, Canals & Trails Credit Union reports net worth 11.14%, delinquency 0.23%, ROA 1.74%, loan-to-share 26.06%.
What happens to my money if Canals & Trails Credit Union fails?
For Q2 2026, Canals & Trails Credit Union held $30.4M in shares and deposits for 3,103 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.