Canals & Trails

Lockport, IL · 2 · Charter #68508 · www.canals-trailscu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$33.3M
81th percentile
Members
3,131
86th percentile
Total loans
$8.0M
58th percentile
Total shares
$29.7M
84th percentile

Profitability

Return on assets
1.03%
61th percentile
Net interest margin
3.52%
34th percentile
Efficiency ratio
73.21%
37th percentile
Non-interest income ratio
14.30%
66th percentile

Capital & Risk

Net worth ratio
10.71%
20th percentile
Delinquency rate
0.76%
48th percentile
Net charge-off rate
0.11%
60th percentile
Loan-to-share
26.84%
9th percentile

Growth

Member growth YoY
-3.42%
29th percentile
Asset growth YoY
-0.00%
41th percentile
Loan growth YoY
-13.63%
14th percentile
Share growth YoY
-0.95%
40th percentile

Operations

Members / branch
1,566
66th percentile
Assets / member
$10,650
61th percentile
Field of membership penetration
15.65%
28th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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