BlastPoint's Credit Union Scorecard
OLD SPANISH TRAIL
Charter #61963 · LA
OLD SPANISH TRAIL has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.21% above tier average
- + Loan-to-Share Ratio: Top 4.1% in tier
- + Net Worth Ratio: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.33% below tier average
- - Efficiency ratio 1.05% above tier (higher cost structure)
- - Member decline: -15.3% YoY
- - Member Growth Rate: Bottom 3.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 107 that size in Louisiana.
- Shares and deposits -7.4% year over year ($3.8M in shares and deposits).
- Membership: 864 members, -15.3% vs a year ago.
- Delinquency rate 0.31%.
- Return on assets 0.16%.
- Efficiency ratio 89.82% vs a 88.77% peer average.
- Loan-to-share ratio 97.49% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
864
-15.3% YoY-2.3% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
25% |
| Assets |
$5.5M
-5.4% YoY-0.3% QoQ
|
$-24.8M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$3.7M
-16.0% YoY-3.8% QoQ
|
$-11.8M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
28% |
| Deposits |
$3.8M
-7.4% YoY-0.6% QoQ
|
$-22.0M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
0.2%
-86.4% YoY-366.8% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 10.5% in tier |
| NIM |
6.1%
-0.3% YoY-0.8% QoQ
|
+2.2% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
Top 3.1% in tier |
| Efficiency Ratio |
89.8%
+14.6% YoY-4.4% QoQ
|
+1.1% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate |
0.3%
-42.1% YoY
|
-1.2 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
97.5%
-9.3% YoY-3.2% QoQ
|
+38.6% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
Top 4.2% in tier |
| AMR |
$8,680
+4.0% YoY+0.1% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
21% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)