Side-by-side · Q2 2026 data
Montell Federal Credit Union vs Old Spanish Trail Credit Union
Metric by metric
| Measure | Montell Federal Credit Union | Old Spanish Trail Credit Union |
|---|---|---|
| TellerScore | 66 | 77 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 32 | 90 (stronger) |
| Earnings | 57 (stronger) | 27 |
| Funding & liquidity | 50 | 63 (stronger) |
| Problem-loan coverage | 86 | 99 (stronger) |
| Peer percentile | 32nd | 57th |
| Total assets | $4.5M | $5.5M |
| Deposits / shares | $3.4M | $3.8M |
| Capital ratio | 24.40% | 30.51% (stronger) |
| Problem loans | 2.04% | 0.31% (stronger) |
| Net charge-offs | -0.79% (stronger) | 0.48% |
| Return on assets | 0.94% (stronger) | 0.16% |
| Loans ÷ deposits | 117.1% | 97.5% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| 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 66). On the 6 directional measures above (where higher or lower is clearly better), Montell Federal Credit Union leads on 2 and Old Spanish Trail Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Westlake, LA