Old Spanish Trail Credit Union (NCUA charter #61963) is based in Westlake, Louisiana. Its Q2 2026 call report shows $5.5M in total assets and $3.8M in member shares and deposits and 1 office.
Old Spanish Trail Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 51st. Capital cushion contributes the most (100/100, 30.51%); earnings contributes the least (27/100, 0.16%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (82 → 77), mostly because the earnings component weakened by 42 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 72 |
| Q4 2024 | 70 |
| Q1 2025 | 83 |
| Q2 2025 | 82 |
| Q3 2025 | 78 |
| Q4 2025 | 77 |
| Q1 2026 | 78 |
| Q2 2026 | 77 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 26.74% |
| Q3 2024 | 26.88% |
| Q4 2024 | 28.35% |
| Q1 2025 | 28.30% |
| Q2 2025 | 29.05% |
| Q3 2025 | 29.62% |
| Q4 2025 | 30.60% |
| Q1 2026 | 30.32% |
| Q2 2026 | 30.51% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.78% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.31% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.31% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | -0.29% |
| Q4 2024 | 0.09% |
| Q1 2025 | 1.12% |
| Q2 2025 | 1.21% |
| Q3 2025 | 0.71% |
| Q4 2025 | 0.38% |
| Q1 2026 | -0.06% |
| Q2 2026 | 0.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $5.5M | 30.51% | 0.31% | 0.16% | 97.5% |
| Q1 2026 | 78 | $5.5M | 30.32% | 0.00% | -0.06% | 100.7% |
| Q4 2025 | 77 | $5.5M | 30.60% | 0.31% | 0.38% | 109.8% |
| Q3 2025 | 78 | $5.7M | 29.62% | 0.51% | 0.71% | 107.1% |
| Q2 2025 | 82 | $5.8M | 29.05% | 0.54% | 1.21% | 107.5% |
| Q1 2025 | 83 | $5.9M | 28.30% | 0.35% | 1.12% | 107.1% |
| Q4 2024 | 70 | $5.8M | 28.35% | 0.78% | 0.09% | 109.5% |
| Q3 2024 | 72 | $6.1M | 26.88% | 0.40% | -0.29% | 104.2% |
| Q2 2024 | 76 | $6.2M | 26.74% | 0.12% | 0.01% | 108.2% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sabine School Employees Federal Credit UnionCredit union Many, LA | 73 out of 100, Strong | $5.2M | 20.1% | 1.21% | vs |
| Orleans Parish Sheriff'S Credit UnionCredit union New Orleans, LA | 72 out of 100, Strong | $5.0M | 46.8% | 1.02% | vs |
| P.H.I. Federal Credit UnionCredit union Lafayette, LA | 55 out of 100, Moderate | $4.9M | 7.0% | 0.00% | vs |
| District 58 Federal Credit UnionCredit union Chase, LA | 80 out of 100, Strong | $6.1M | 16.2% | 0.48% | vs |
| Louisiana Baptist Federal Credit UnionCredit union Alexandria, LA | 60 out of 100, Moderate | $6.2M | 13.7% | 2.05% | vs |
| Morgan City Federal Credit UnionCredit union Morgan City, LA | 84 out of 100, Strong | $4.8M | 16.7% | 0.00% | vs |
Deposit insurance
Is my money safe at Old Spanish Trail Credit Union?
Yes. Old Spanish Trail Credit Union is a federally insured credit union (NCUA charter #61963). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 30.51%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Old Spanish Trail Credit Union lists 1 office in 1 city. Most locations:
- Westlake, LA (1)
Identity & history
Profile
- Legal name
- Old Spanish Trail Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 61963
- RSSD ID
- 734695
- Primary regulator
- State + NCUA
- Established
- 1941
- Headquarters
- P O Box 37, Westlake, LA 70669
- Employees
- 3
Quick answers
Old Spanish Trail Credit Union: common questions
Is Old Spanish Trail Credit Union NCUA insured?
Yes. Old Spanish Trail Credit Union is a federally insured credit union (NCUA charter #61963). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Old Spanish Trail Credit Union's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Old Spanish Trail Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Westlake
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Department of Corrections Credit UnionCredit union Baton Rouge, LA | 90 out of 100, Very strong | $126.3M | 23.4% | 0.57% | vs |
| Calcasieu Teachers and Employees Credit UnionCredit union Lake Charles, LA | 86 out of 100, Very strong | $62.9M | 16.3% | 0.13% | vs |
| The BankBank Jennings, LA | 83 out of 100, Strong | $462.0M | 12.8% | 0.48% | vs |
| Red River BankBank Alexandria, LA | 82 out of 100, Strong | $3.3B | 12.5% | 0.11% | vs |
| First National Bank of LouisianaBank Crowley, LA | 78 out of 100, Strong | $631.1M | 11.0% | 0.00% | vs |
| The Evangeline Bank and Trust CompanyBank Ville Platte, LA | 77 out of 100, Strong | $1.1B | 14.2% | 1.24% | vs |