B
Canals & Trails Credit Union
Rating Date
September 2025
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Major Rating Factors: A current level of 0.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 0.0.
Other Rating Factors: Excellent liquidity 7.5, driven by a liquidity ratio of 44.4 percent and a “hot money” ratio of 0.6 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (4.7) profitability.
Asset Mix: Consumer loans (13%), home mtgs (3%), securities (1%), other (83%)
Asset Quality
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Corporate Info
Address
838 South State Street
Lockport, IL 60441
Phone Number
(815) 838-7159
NCUA Charter Number
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