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Old Spanish Trail Credit Union
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Old Spanish Trail Credit Union Share
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Overview Share
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Old Spanish Trail Credit Union is a federally insured state credit union based in Westlake, Louisiana. It has been opened since 1941, for 81 years.

With around $8,450,000 in assets, Old Spanish Trail Credit Union is considered to be a medium size credit union.

About Share
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Address P.O. Box 37
Westlake, Louisiana 70669
Website http://oldspanishtrailcreditunion.c
Phone (337) 491-5025
Fax (337) 491-5901
CEO Betty A. Hudson
President of the Board Harry Montgomery
Services Offered
Score Card Share
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81 years
Years in business
Opened in 1941
Well Capitalized
Net worth classification
Source: NCUA
1,281 members
Membership type: State chartered natural person credit union
Below average number of members
320:1
Credit union member to staff ratio
320 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$8,447,195
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 2 in Louisiana
Average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 2 in Louisiana
Average number of branches
Old Spanish Trail Credit Union Branch Locations

Old Spanish Trail Credit Union
2200 Old Spanish Trl
Westlake, Louisiana 70669
No ATM
Members Share
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1,281 members
Membership type: State chartered natural person credit union
Below average number of members

With 1,281 members, the Old Spanish Trail Credit Union is considered to be a small credit union. It is smaller than 76% of credit unions.

Fees Share
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$6
Average fee per member
The average fee per member at the Old Spanish Trail Credit Union is $6, which is very low compared to most credit unions. This rate is lower than 87% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Old Spanish Trail Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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320:1
Credit union member to staff ratio
320 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
4 staff members
FTE (full-time equivalent)
40% of employees are part-time
3 full-time, 2 part-time

Old Spanish Trail Credit Union has 3 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 60% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Old Spanish Trail Credit Union has around 320 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$8,447,195
Total assets
Below average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
18.6%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$10,239
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 51% of credit unions.

Old Spanish Trail Credit Union holds a total of $3,880,000 in loans and leases, which is about $10,239 per member on average.

Savings interest rate Share
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Old Spanish Trail Credit Union pays 0.10%.

Loan rates Share
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12.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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4.25%
New car loan rate
Compared to 4.0% nationally
4.25%
Used car loan rate
Compared to 5.2% nationally

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