Old Spanish Trail

WESTLAKE, LA · 2 · Charter #61963
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
$5.5M
27th percentile
Members
900
33th percentile
Total loans
$4.1M
38th percentile
Total shares
$3.8M
24th percentile

Profitability

Return on assets
0.38%
30th percentile
Net interest margin
6.49%
97th percentile
Efficiency ratio
83.69%
19th percentile
Non-interest income ratio
-2.09%
0th percentile

Capital & Risk

Net worth ratio
30.60%
93th percentile
Delinquency rate
0.31%
65th percentile
Net charge-off rate
0.82%
21th percentile
Loan-to-share
109.80%
96th percentile

Growth

Member growth YoY
-13.04%
3th percentile
Asset growth YoY
-6.20%
13th percentile
Loan growth YoY
-8.95%
27th percentile
Share growth YoY
-9.21%
9th percentile

Operations

Members / branch
900
42th percentile
Assets / member
$6,081
24th percentile
Field of membership penetration
50.00%
66th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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