Old Spanish Trail
Westlake, LA · Charter 61963 · Peer group: credit unions under $1B in assets in LA (n=56-57)
NCUA · 1 branch
Q2 2026
$5.5MAssets
$3.7MLoans
$3.8MShares
$1.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets in LA (rank 3 of 57).
- Widest gap: return on equity trails 79% of credit unions under $1B in assets in LA (rank 45 of 57).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.18%
Rank 43 of 57
Net Interest Margin
6.11%
Rank 3 of 57
Efficiency Ratio
90.53%
Rank 41 of 56
Equity / Assets
30.51%
Rank 6 of 57
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.18% | 0.18% | 0.61% | 1.03% | Beats 25% | 43 / 57 | | |
| Return on Equity | 0.60% | 0.88% | 3.71% | 5.62% | Beats 21% | 45 / 57 | | |
| Net Interest Margin | 6.11% | 3.51% | 3.94% | 4.60% | Beats 95% | 3 / 57 | | |
| Efficiency Ratio | 90.53% | 76.49% | 84.29% | 92.65% | Beats 29% | 41 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.35% | 1.18% | 2.04% | Beats 77% | 14 / 57 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 30.51% | 11.86% | 15.46% | 23.44% | Beats 89% | 6 / 57 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 30.51% | 11.86% | 15.46% | 23.44% | Beats 89% | 6 / 57 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.50% | 55.77% | 71.07% | 79.18% | 89th pctl | 6 / 57 | | |
| Loans / Assets | 67.27% | 44.60% | 59.45% | 67.17% | 77th pctl | 13 / 57 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |