Side-by-side · Q2 2026 data
First Federal Bank of Louisiana vs Old Spanish Trail Credit Union
Metric by metric
| Measure | First Federal Bank of Louisiana | Old Spanish Trail Credit Union |
|---|---|---|
| TellerScore | 70 | 77 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 94 (stronger) | 90 |
| Earnings | 33 (stronger) | 27 |
| Funding & liquidity | 77 (stronger) | 63 |
| Problem-loan coverage | 74 | 99 (stronger) |
| Peer percentile | 58th | 57th |
| Total assets | $1.1B | $5.5M |
| Deposits / shares | $991.6M | $3.8M |
| Capital ratio | 11.95% | 30.51% (stronger) |
| Problem loans | 0.17% (stronger) | 0.31% |
| Net charge-offs | 0.43% (stronger) | 0.48% |
| Return on assets | 0.32% (stronger) | 0.16% |
| Loans ÷ deposits | 64.0% (stronger) | 97.5% |
| Uninsured deposits | 32.2% | 0.0% (stronger) |
| Offices | 16 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | — |
Old Spanish Trail Credit Union has the higher TellerScore (77 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Federal Bank of Louisiana leads on 4 and Old Spanish Trail Credit Union on 3. 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.
Where both have branches
- Westlake, LA