BlastPoint's Credit Union Scorecard
OLD SPANISH TRAIL
Charter #61963 · LA
<100M
2508 CUs in <100M nationally
107 in LA
OLD SPANISH TRAIL has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.15% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Share Ratio: Top 2.9% in tier
- + Net Worth Ratio: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Efficiency ratio 3.34% above tier (higher cost structure)
- - Member decline: -13.5% YoY
- - Member Growth Rate: Bottom 3.6% in tier
- - Deposit Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
884
-13.5% YoY-1.8% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
25% |
| Assets |
$5.5M
-6.5% YoY+0.9% QoQ
|
$-24.7M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
21% |
| Loans |
$3.8M
-14.5% YoY-7.1% QoQ
|
$-11.4M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
29% |
| Deposits |
$3.8M
-9.1% YoY+1.3% QoQ
|
$-22.0M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
-0.1%
-105.4% YoY-116.4% QoQ
|
-0.2% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
20% |
| NIM |
6.2%
+1.2% YoY-3.2% QoQ
|
+2.2% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 3.5% in tier |
| Efficiency Ratio |
94.0%
+15.0% YoY+11.0% QoQ
|
+3.3% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
76% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
100.7%
-6.0% YoY-8.3% QoQ
|
+42.2% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Top 3.0% in tier |
| AMR |
$8,675
+1.8% YoY-1.3% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
22% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 50% |
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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
74
Loan-to-Share Ratio
balance_sheet
Value:
100.69%
Peer Median: 58.72%
#74 of 2508
Top 2.9% in <100M tier
87
Net Interest Margin (NIM)
profitability
Value:
6.16%
Peer Median: 3.83%
#87 of 2508
Top 3.4% in <100M tier
139
Net Worth Ratio
risk
Value:
30.32%
Peer Median: 14.28%
#139 of 2508
Top 5.5% in <100M tier
Top Weaknesses (11 metrics)
2418
Member Growth Rate
growth
Value:
-13.50%
Peer Median: -1.37%
#2418 of 2508
Bottom 3.6% in <100M tier
2317
Deposit Growth Rate
growth
Value:
-9.14%
Peer Median: 0.66%
#2317 of 2508
Bottom 7.7% in <100M tier
2255
Asset Growth Rate
growth
Value:
-6.45%
Peer Median: 1.30%
#2255 of 2508
Bottom 10.1% in <100M tier
2242
Fee Income Per Member
profitability
Value:
$2.08
Peer Median: $60.42
#2242 of 2508
Bottom 10.6% in <100M tier
2210
Net Charge-Off Rate
risk
Value:
1.17%
Peer Median: 0.07%
#2210 of 2508
Bottom 11.9% in <100M tier
2199
Loan Growth Rate
growth
Value:
-14.55%
Peer Median: -2.36%
#2199 of 2508
Bottom 12.4% in <100M tier
2050
Total Deposits
balance_sheet
Value:
$3.82M
Peer Median: $18.77M
#2050 of 2508
Bottom 18.3% in <100M tier
2012
Return on Assets (ROA)
profitability
Value:
-0.06%
Peer Median: 0.61%
#2012 of 2508
Bottom 19.8% in <100M tier
1990
Total Assets
balance_sheet
Value:
$5.52M
Peer Median: $21.86M
#1990 of 2508
Bottom 20.7% in <100M tier
1968
Average Member Relationship (AMR)
engagement
Value:
$8,675
Peer Median: $13,926
#1968 of 2508
Bottom 21.6% in <100M tier