Federal credit union · New Orleans, Louisiana · NCUA charter #24951
INSTEP
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $52.5M
- Total assets
- 4,939
- Members
- 13.8%
- Net-worth ratio
INSTEP scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $52.5M; members 4,939; net-worth ratio 13.83%; health rank #4,110 of 4,374; healthier than 6th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,110 of 4,374 health · 2025Q4INSTEP · health 58/100 · $52.5M · 2025Q4
- CHARTER 58/100
- NCUSIF 13.8%
- CAMELS 2.43%
- HEALTH -0.90%
- NW $52.5M
- DELQ 4,939
- ROA #4,110/4,374
- ASSETS Country Heritage
- MEM 24951
Call Report peers
INSTEP in the assets neighbourhood
INSTEP's $52.5M assets sit next to Country Heritage ($52.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
INSTEP vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
58 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
INSTEP - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24951. See our deposit-insurance coverage note.
INSTEP vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 90.09% here, 62.60% peer average (+27.49 pp).
- Largest lag: Return on Assets at -0.90% vs peer 0.66% (-1.55 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Louisiana standing for INSTEP
- In Louisiana, health place is #118 of 138 on the same NCUA-ratio sort used nationally.
- Louisiana assets place: #47 of 138.
- Member book place in Louisiana: #45 of 138.
In-state ordinals use the live credit_unions table for LA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
INSTEP: 2025Q4 → 2026Q1
INSTEP: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $52.5M (2025Q4) to $53.9M (2026Q1).
- Net-worth ratio shifted -0.09 pp (13.92% → 13.83%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.83% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 58/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 58.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.8 pts
- Return on Assets 0.0 pts
- Member Growth 3.7 pts
- Loan-to-Share Ratio 14.5 pts
Call Report ratios for INSTEP
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.83% | +0.21 pp |
| Delinquency Rate | 2.43% | +1.47 pp |
| Return on Assets | -0.90% | -1.55 pp |
| Member Growth | -2.93% | - |
| Loan-to-Share Ratio | 90.09% | +27.49 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
INSTEP quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $53.9M | - |
| 2025Q4 | $52.5M | 4,939 |
| 2024Q4 | $49.8M | 5,088 |
| 2023Q4 | $46.9M | 5,139 |
Credit Union Details
- Charter Number
- 24951
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Louisiana
- City
- New Orleans
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for INSTEP, spread across 2 cities.
| Office | City |
|---|---|
| INSTEP CU (Main Office) | New Orleans, LA |
| BELLE CHASSE BRANCH | Belle Chasse, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
Other federally-insured credit unions in Louisiana, closest first by peer group and asset size.
Cross-state Call Report peers for INSTEP
Two NCUA Call Report peer sets for INSTEP, both outside Louisiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($52.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (58/100 here).
Using this data
- INSTEP ranks #4,110 of 4,374 nationally on financial health and #118 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SEVENFOLD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SEVENFOLD
- Rates and health both vary by institution, not just by state -- see how Louisiana credit unions compare overall before assuming this one is typical. Louisiana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is INSTEP financially healthy?
Yes/no aside, the number is 58/100 (Fair) - INSTEP's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,110 of 4,374; by total assets it ranks #2,367 of 4,374 nationally (same basis as /rankings/largest); and #47 of 138 within Louisiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.83% net worth ratio and 2.43% delinquency rate are the key drivers.
How does INSTEP compare to other credit unions?
On PlainCU's health composite, INSTEP lands at 58/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join INSTEP?
INSTEP operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact INSTEP directly for the exact boundaries and application steps.
Is my money safe at INSTEP?
Federal credit unions like INSTEP are 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. INSTEP's net worth ratio of 13.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does INSTEP offer compared to banks?
Credit unions like INSTEP are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact INSTEP directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.