OLD SPANISH TRAIL
Charter #61963 · WESTLAKE, LA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.06% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 6.19% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.10% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.13% sits at the 90th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | OLD SPANISH TRAIL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.52M | 66th pct | 31th pct |
| Members | 884 | 76th pct | 52th pct |
| Net worth ratio | 30.32% | 86th pct | 72th pct |
| Return on average assets | -0.06% | 31th pct | 15th pct |
| Net interest margin | 6.19% | 92th pct | 89th pct |
| Cost of funds | 0.10% | 21th pct | 3th pct |
| Loan-to-share | 100.69% | 93th pct | 79th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 1.13% | 87th pct | 90th pct |
| Loan growth YoY | -9.64% | 30th pct | 10th pct |
| Share growth YoY | -3.88% | 23th pct | 15th pct |
| Efficiency ratio | 93.97% | 62th pct | 77th pct |
structural peer set hash: 7d1c1e73f69312fe17fed050acd99764… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.