Overview / Commentary
Old Spanish Trail Credit Union is headquartered in Westlake and is the 102nd largest credit union in the state of Louisiana. It is also the 3,908th largest credit union in the nation. It was established in 1941 and as of March of 2025, it had grown to 3 employees and 1,022 members at 1 location. Old Spanish Trail Credit Union has a C+ health rating.
Field of Membership Restrictions
Membership is open to employees of ConocoPhillips, SASOL North America, Phillips 66, Sentinel Transportation, and Rain CII Carbon located at the Sulpher, Louisiana facility.
See current membership details
Health
C+
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Old Spanish Trail Credit Union has a very low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 61963 |
| Year Chartered | 1941 |
| Employees | 3 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.12% |
| Return on Equity - YTD | 3.95% |
| Annual Interest Income | $90K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $5.9MM$6.3MM |
| Loans | Q1 2025vs Q1 2024 | $4.5MM$4.9MM |
| Deposits | Q1 2025vs Q1 2024 | $4.2MM$4.7MM |
| Equity Capital | Q1 2025vs Q1 2024 | $1.7MM$1.6MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $37K$23K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $16K$55K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |