State credit union · WESTLAKE, Louisiana · NCUA charter #61963
Old Spanish Trail
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $5.5M
- Total assets
- 900
- Members
- 30.3%
- Net-worth ratio
Old Spanish Trail scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.5M; members 900; net-worth ratio 30.32%; health rank #3,502 of 4,374; healthier than 18th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,502 of 4,374 health · 2025Q4Old Spanish Trail · health 71/100 · $5.5M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Old Spanish Trail vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Old Spanish Trail sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Old Spanish Trail diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +46.20 pp (109.80% vs 63.60%).
- Widest shortfall vs peers is Return on Assets: -0.36 pp (0.09% vs 0.45%).
Where Old Spanish Trail sits in Louisiana
- Louisiana health ordinal: #92 of 138.
- Louisiana assets place: #99 of 138.
- Louisiana membership ordinal: #102 of 138.
- One place up in Louisiana, Tangipahoa Parish Teachers (#91) ties at 71/100; one place down, BARKSDALE (#93) ties at 71/100.
Old Spanish Trail Call Report trajectory
Old Spanish Trail: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $5.5M (2025Q4) to $5.5M (2026Q1).
- Net-worth ratio shifted -0.28 pp (30.60% → 30.32%).
This credit union's 30.32% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 71/100 score is built
Old Spanish Trail gives up 29 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 8.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.3 pts
Call Report ratios for Old Spanish Trail
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 30.32% | +11.26 pp |
| Delinquency Rate | 0.31% | -1.50 pp |
| Return on Assets | 0.09% | -0.36 pp |
| Member Growth | -13.04% | - |
| Loan-to-Share Ratio | 109.80% | +46.20 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Old Spanish Trail filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.5M | - |
| 2025Q4 | $5.5M | 900 |
| 2024Q4 | $5.8M | 1,035 |
| 2023Q4 | $6.3M | 1,047 |
Credit Union Details
- Charter Number
- 61963
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Louisiana
- City
- WESTLAKE
- Data Quarter
- 2025Q4
Branch Location
Old Spanish Trail operates a single office in Westlake, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Old Spanish Trail Credit Union (Main Office) | Westlake, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
A look at other Louisiana credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Old Spanish Trail
Similar health score
Using this data
- Old Spanish Trail ranks #3,502 of 4,374 nationally on financial health and #92 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MONTELL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MONTELL
Frequently Asked Questions
Is Old Spanish Trail financially healthy?
Old Spanish Trail has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,502 of 4,374 nationally on health and #92 of 138 in Louisiana. Its net worth ratio is 30.32% and its delinquency rate 0.31%.
How does Old Spanish Trail compare to other credit unions?
Old Spanish Trail scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (109.80% vs 63.60%). Its widest shortfall is return on assets (0.09% vs 0.45%).
How can I join Old Spanish Trail?
Membership eligibility for Old Spanish Trail depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Old Spanish Trail directly for current membership requirements and application steps.
Is my money safe at Old Spanish Trail?
Old Spanish Trail is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Old Spanish Trail's net worth ratio of 30.32% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.