Side-by-side · Q2 2026 data
Old Spanish Trail Credit Union vs Southwest Louisiana Credit Union
Credit union
Southwest Louisiana Credit Union
Lake Charles, Louisiana · $100 million – $1 billion
Metric by metric
| Measure | Old Spanish Trail Credit Union | Southwest Louisiana Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 70 |
| Capital cushion | 100 | 100 |
| Loan quality | 90 (stronger) | 52 |
| Earnings | 27 | 45 (stronger) |
| Funding & liquidity | 63 | 63 |
| Problem-loan coverage | 99 (stronger) | 84 |
| Peer percentile | 57th | 51st |
| Total assets | $5.5M | $182.6M |
| Deposits / shares | $3.8M | $154.4M |
| Capital ratio | 30.51% (stronger) | 15.84% |
| Problem loans | 0.31% (stronger) | 1.45% |
| Net charge-offs | 0.48% (stronger) | 0.81% |
| Return on assets | 0.16% | 0.61% (stronger) |
| Loans ÷ deposits | 97.5% (stronger) | 97.5% |
| Uninsured deposits | 0.0% (stronger) | 3.3% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 24.5% |
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), Old Spanish Trail Credit Union leads on 6 and Southwest Louisiana Credit Union on 1. 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.