CANALS & TRAILS
Charter #68508 · Lockport, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.12% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.22% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 31st — a 40-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CANALS & TRAILS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.60M | 71th pct | 31th pct |
| Members | 3,119 | 78th pct | 52th pct |
| Net worth ratio | 10.59% | 23th pct | 31th pct |
| Return on average assets | 1.07% | 71th pct | 69th pct |
| Net interest margin | 3.69% | 42th pct | 62th pct |
| Cost of funds | 0.12% | 8th pct | 5th pct |
| Loan-to-share | 25.15% | 5th pct | 13th pct |
| Delinquency 60+ days | 0.52% | 46th pct | 48th pct |
| Net charge-off ratio | 1.22% | 89th pct | 90th pct |
| Loan growth YoY | -9.47% | 8th pct | 3th pct |
| Share growth YoY | 3.95% | 65th pct | 57th pct |
| Efficiency ratio | 77.13% | 42th pct | 48th pct |
structural peer set hash: a2e459d14f728be05417fef37655772d… (reproducible)
Closest structural peers
This is the free public view
Claim CANALS & TRAILS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.