Side-by-side · Q2 2026 data
Access of Louisiana Federal Credit Union vs Old Spanish Trail Credit Union
Credit union
Access of Louisiana Federal Credit Union
Lake Charles, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Access of Louisiana Federal Credit Union | Old Spanish Trail Credit Union |
|---|---|---|
| TellerScore | 51 | 77 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 37 | 90 (stronger) |
| Earnings | 26 | 27 (stronger) |
| Funding & liquidity | 96 (stronger) | 63 |
| Problem-loan coverage | 78 | 99 (stronger) |
| Peer percentile | 10th | 57th |
| Total assets | $44.5M | $5.5M |
| Deposits / shares | $39.9M | $3.8M |
| Capital ratio | 9.79% | 30.51% (stronger) |
| Problem loans | 1.88% | 0.31% (stronger) |
| Net charge-offs | 0.20% (stronger) | 0.48% |
| Return on assets | 0.15% | 0.16% (stronger) |
| Loans ÷ deposits | 64.2% (stronger) | 97.5% |
| Uninsured deposits | 3.4% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Old Spanish Trail Credit Union has the higher TellerScore (77 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Access of Louisiana Federal Credit Union leads on 2 and Old Spanish Trail Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.