Side-by-side · Q2 2026 data
Old Spanish Trail Credit Union vs Calcasieu Teachers and Employees Credit Union
Credit union
Calcasieu Teachers and Employees Credit Union
Lake Charles, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Old Spanish Trail Credit Union | Calcasieu Teachers and Employees Credit Union |
|---|---|---|
| TellerScore | 77 | 86 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 90 | 96 (stronger) |
| Earnings | 27 | 34 (stronger) |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 57th | 80th |
| Total assets | $5.5M | $62.9M |
| Deposits / shares | $3.8M | $52.4M |
| Capital ratio | 30.51% (stronger) | 16.29% |
| Problem loans | 0.31% | 0.13% (stronger) |
| Net charge-offs | 0.48% | 0.38% (stronger) |
| Return on assets | 0.16% | 0.36% (stronger) |
| Loans ÷ deposits | 97.5% | 46.8% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 0.1% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Calcasieu Teachers and Employees Credit Union has the higher TellerScore (86 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Old Spanish Trail Credit Union leads on 2 and Calcasieu Teachers and Employees 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.