CANALS & TRAILS
State-Chartered • Lockport, Illinois • Est. 1959
Quick Facts
- Charter Number
- #68508
- Type
- State-Chartered
- Established
- 1959
- Headquarters
- Lockport, Illinois 60441-3434
- Address
- 838 S State St
- Branches
- 2
- ATMs
- 2
- Members
- 3,131
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
3,131 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CANALS & TRAILS |
|---|---|
| Total Assets | $33.3M |
| Members | 3,131 |
| Loans Outstanding | $8.0M |
| Shares & Deposits | $29.7M |
| Net Worth | $3.6M |
| Net Worth Ratio | 10.71% |
| Loan-to-Share Ratio | 26.8% |
| Delinquency Rate | 0.76% |
| Net Income | +$342,187 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 2 ATMs
Canals & Trails Credit Union Main Office
Main Office838 S State St
Lockport, IL 60441-3434
Romeoville Branch
2 Belmont Dr
Romeoville, IL 60446
Who Can Join CANALS & TRAILS?
Membership Type: Community
Membership eligibility for CANALS & TRAILS may vary. Contact the credit union directly to confirm qualification requirements.
Contact CANALS & TRAILS directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Illinois RankingsFrequently Asked Questions
Yes. CANALS & TRAILS is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CANALS & TRAILS has 3,131 members and a potential membership field of 20,000 people.
CANALS & TRAILS's net worth ratio is 10.71% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.7%, CANALS & TRAILS meets this threshold.
CANALS & TRAILS operates 2 branch locations and has access to 2 ATMs. The main office is located at 838 S State St, Lockport, IL 60441-3434.
CANALS & TRAILS was established in 1959. It is a state-chartered credit union chartered under charter number 68508. The institution has been serving members for 67 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CANALS & TRAILS. All financial data is for informational purposes only.