Federal credit union · New Orleans, Louisiana · NCUA charter #24951
Instep
Health score 58/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $52.5M
- Total assets
- 4,939
- Members
- 10.6%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)39
- Earnings (ROA)0
- Member growth25
- Liquidity (loan-to-share)100
Weighted composite: 58/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.57% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.57% | 30% |
| Delinquency Rate | 2.43% | 25% |
| Return on Assets | -0.90% | 15% |
| Member Growth | -2.93% | 15% |
| Loan-to-Share Ratio | 90.09% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Instep
4,939 members and $52.5M in total assets sit behind Instep, a federal credit union in New Orleans, Louisiana, which posts a health score of 58/100 (Fair) on the five-factor composite, with $40.3M in outstanding loans as of Q4 2025 and a net worth ratio of 10.57% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24951 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Two more numbers round out the picture: a 2.43% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers - and a 90.09% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.90% on net income of $-470061 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.93%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Louisiana
Other federally-insured credit unions in Louisiana, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.57% 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 10.57% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.