Canals & Trails
Canals & Trails is a credit union based in Lockport, Illinois, established in 1959, with $35 million in total assets serving 3,119 members. By Trust Grade it ranks 101st of 188 credit unions we track in Illinois. Its net worth ratio of 10.6% trails most similarly sized credit unions (21th percentile), versus a Illinois median of 13.7%. It was profitable over the most recent period, with a 1.05% return on assets. No consumer complaints against Canals & Trails appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Canals & Trails compares to Illinois peers
How we graded Canals & Trails
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.6% capital ratio)
- Strongly profitable (ROA 1.05%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Canals & Trails over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Canals & Trails insured?
Yes. Canals & Trails is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Canals & Trails: frequently asked questions
Is Canals & Trails a good credit union?
Canals & Trails earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Well-capitalized (10.6% capital ratio); Strongly profitable (ROA 1.05%).
Is Canals & Trails NCUA-insured?
Yes. Canals & Trails is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Canals & Trails?
Canals & Trails holds $35 million in total assets, ranking 101st of 188 credit unions we track in Illinois. It serves 3,119 members.
Does Canals & Trails have CFPB complaints?
No CFPB complaints against Canals & Trails appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
