Side-by-side · Q2 2026 data
The Evangeline Bank and Trust Company vs Old Spanish Trail Credit Union
Metric by metric
| Measure | The Evangeline Bank and Trust Company | Old Spanish Trail Credit Union |
|---|---|---|
| TellerScore | 77 | 77 |
| Capital cushion | 92 | 100 (stronger) |
| Loan quality | 59 | 90 (stronger) |
| Earnings | 92 (stronger) | 27 |
| Funding & liquidity | 48 | 63 (stronger) |
| Problem-loan coverage | 86 | 99 (stronger) |
| Peer percentile | 83rd | 57th |
| Total assets | $1.1B | $5.5M |
| Deposits / shares | $890.6M | $3.8M |
| Capital ratio | 14.22% | 30.51% (stronger) |
| Problem loans | 1.24% | 0.31% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.48% |
| Return on assets | 1.79% (stronger) | 0.16% |
| Loans ÷ deposits | 103.0% | 97.5% (stronger) |
| Uninsured deposits | 23.7% | 0.0% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.5% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Evangeline Bank and Trust Company leads on 2 and Old Spanish Trail Credit Union on 4. 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.