Side-by-side · Q2 2026 data
G. C. A. Federal Credit Union vs Old Spanish Trail Credit Union
Credit union
G. C. A. Federal Credit Union
Lake Charles, Louisiana · Under $100 million in assets
Metric by metric
| Measure | G. C. A. Federal Credit Union | Old Spanish Trail Credit Union |
|---|---|---|
| TellerScore | 56 | 77 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 7 | 90 (stronger) |
| Earnings | 0 | 27 (stronger) |
| Funding & liquidity | 100 (stronger) | 63 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 16th | 57th |
| Total assets | $4.0M | $5.5M |
| Deposits / shares | $2.8M | $3.8M |
| Capital ratio | 30.06% | 30.51% (stronger) |
| Problem loans | 2.78% | 0.31% (stronger) |
| Net charge-offs | 0.50% | 0.48% (stronger) |
| Return on assets | -1.01% | 0.16% (stronger) |
| Loans ÷ deposits | 31.0% (stronger) | 97.5% |
| Uninsured deposits | 0.2% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Old Spanish Trail Credit Union has the higher TellerScore (77 vs 56). On the 7 directional measures above (where higher or lower is clearly better), G. C. A. Federal Credit Union leads on 1 and Old Spanish Trail Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.