Canals & Trails
Lockport, IL · Charter 68508 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 2 branches
Q2 2026
$34.2MAssets
$7.9MLoans
$30.4MShares
$3.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 94% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 6 of 95).
- Widest gap: equity / assets trails 81% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 78 of 96).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.40%
Rank 13 of 96
Net Interest Margin
3.89%
Rank 37 of 96
Efficiency Ratio
73.45%
Rank 25 of 96
Equity / Assets
11.14%
Rank 78 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.40% | -0.02% | 0.42% | 1.03% | Beats 86% | 13 / 96 | |
| Return on Equity | 12.59% | -0.11% | 2.94% | 6.89% | Beats 94% | 6 / 95 | |
| Net Interest Margin | 3.89% | 3.01% | 3.57% | 4.27% | Beats 61% | 37 / 96 | |
| Efficiency Ratio | 73.45% | 73.45% | 82.91% | 96.61% | Beats 75% | 25 / 96 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.08% | 0.86% | 1.63% | Beats 71% | 28 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.14% | 11.79% | 15.23% | 18.93% | Beats 19% | 78 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.14% | 11.79% | 15.23% | 18.93% | Beats 19% | 78 / 96 | |
| Liquidity & Funding |
| Loans / Deposits | 26.06% | 32.14% | 50.03% | 67.81% | 18th pctl | 79 / 96 | |
| Loans / Assets | 23.12% | 23.12% | 42.50% | 56.24% | 25th pctl | 72 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |