BlastPoint's Credit Union Scorecard
CANALS & TRAILS
Charter #68508 · IL
CANALS & TRAILS has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.91% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -3.5% YoY
- - Loan-to-Share Ratio: Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,119
-3.5% YoY-0.4% QoQ
|
+442 |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
69% |
| Assets |
$34.6M
-1.5% YoY+3.8% QoQ
|
+$4.4M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
64% |
| Loans |
$7.8M
-11.6% YoY-2.7% QoQ
|
$-7.5M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
45% |
| Deposits |
$30.9M
-2.7% YoY+3.9% QoQ
|
+$5.1M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
66% |
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| ROA |
1.1%
+62.8% YoY+22.9% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
71% |
| NIM |
3.6%
+14.4% YoY+2.8% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
42% |
| Efficiency Ratio |
77.1%
-9.3% YoY+2.6% QoQ
|
-13.5% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
0.5%
+233.7% YoY-31.3% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
25.1%
-9.2% YoY-6.3% QoQ
|
-33.4% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.3% in tier |
| AMR |
$12,390
-1.2% YoY+2.9% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
41% |
| CD Concentration |
1.3%
+15.3% YoY+1.2% QoQ
|
-22.9% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % |
2.1%
-41.7% YoY-14.2% QoQ
|
-11.7% | 13.8% | 7.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)