OLD SPANISH TRAIL
Charter #61963 | LA
<100M
(2596 CUs)
Micro
($0-$500M)
108 <100M in LA
OLD SPANISH TRAIL has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.02% above tier average
- + Net Interest Margin 2.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.8% in tier
- + Net Worth Ratio: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.68% above tier (higher cost structure)
- - Member decline: -10.7% YoY
- - Fee Income Per Member: Bottom 0.4% in tier
- - Member Growth Rate: Bottom 5.1% in tier
- - Deposit Growth Rate: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
928
-10.7% YoY-9.0% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
27th in tier |
| Assets |
$5.7M
-6.6% YoY-2.2% QoQ
|
$-24.2M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 21.9% in tier |
| Loans |
$4.3M
-7.6% YoY-3.4% QoQ
|
$-11.5M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
30th in tier |
| Deposits |
$4.0M
-10.1% YoY-3.0% QoQ
|
$-21.5M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 19.2% in tier |
| ROA |
0.7%
-346.0% YoY-41.7% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
46th in tier |
| NIM |
6.2%
+2.5% YoY+1.3% QoQ
|
+2.3% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 3.4% in tier |
| Efficiency Ratio |
84.1%
+11.6% YoY+7.2% QoQ
|
+2.7% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
65th in tier |
| Delinquency Rate |
0.5%
+29.5% YoY-5.2% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
43rd in tier |
| Loan To Share |
107.1%
+2.8% YoY-0.4% QoQ
|
+45.9% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 2.0% in tier |
| AMR |
$8,872
+2.1% YoY+6.4% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 23.4% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
49
Loan-to-Share Ratio
balance_sheet
Value:
107.10%
Peer Avg: 61.23%
#49 of 2596
Top 1.8% in <100M tier
87
Net Interest Margin (NIM)
profitability
Value:
6.21%
Peer Avg: 3.93%
#87 of 2596
Top 3.3% in <100M tier
163
Net Worth Ratio
risk
Value:
29.62%
Peer Avg: 16.43%
#163 of 2596
Top 6.2% in <100M tier
Top Weaknesses (8 metrics)
2586
Fee Income Per Member
profitability
Value:
$-12.61
Peer Avg: $182.96
#2586 of 2596
Bottom 0.4% in <100M tier
2464
Member Growth Rate
growth
Value:
-10.68%
Peer Avg: 14.92%
#2464 of 2596
Bottom 5.1% in <100M tier
2412
Deposit Growth Rate
growth
Value:
-10.11%
Peer Avg: 16.80%
#2412 of 2596
Bottom 7.1% in <100M tier
2335
Asset Growth Rate
growth
Value:
-6.55%
Peer Avg: 1.82%
#2335 of 2596
Bottom 10.1% in <100M tier
2233
Net Charge-Off Rate
risk
Value:
1.01%
Peer Avg: 0.57%
#2233 of 2596
Bottom 14.0% in <100M tier
2098
Total Deposits
balance_sheet
Value:
$3.98M
Peer Avg: $25.45M
#2098 of 2596
Bottom 19.2% in <100M tier
2028
Total Assets
balance_sheet
Value:
$5.69M
Peer Avg: $29.86M
#2028 of 2596
Bottom 21.9% in <100M tier
1988
Average Member Relationship (AMR)
engagement
Value:
$8,872
Peer Avg: $14,627
#1988 of 2596
Bottom 23.5% in <100M tier