Side-by-side · Q2 2026 data
Morgan City Federal Credit Union vs Old Spanish Trail Credit Union
Credit union
Morgan City Federal Credit Union
Morgan City, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Morgan City Federal Credit Union | Old Spanish Trail Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 77 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 32 (stronger) | 27 |
| Funding & liquidity | 86 (stronger) | 63 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 75th | 57th |
| Total assets | $4.8M | $5.5M |
| Deposits / shares | $4.0M | $3.8M |
| Capital ratio | 16.68% | 30.51% (stronger) |
| Problem loans | 0.00% (stronger) | 0.31% |
| Net charge-offs | 0.47% (stronger) | 0.48% |
| Return on assets | 0.29% (stronger) | 0.16% |
| Loans ÷ deposits | 74.1% (stronger) | 97.5% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Morgan City Federal Credit Union has the higher TellerScore (84 vs 77). On the 6 directional measures above (where higher or lower is clearly better), Morgan City Federal Credit Union leads on 5 and Old Spanish Trail Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.