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
Call Report peers
INSTEP in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); INSTEP sits in 55-59 with 115 others.
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 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).
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.
- One place up in Louisiana, Teamsters Local Union #270 (#117) scores 59/100, 1 point higher; one place down, 705 (#119) ties at 58/100.
INSTEP: 2025Q4 → 2026Q1
INSTEP: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $52.5M (2025Q4) to $53.9M (2026Q1).
- Net-worth ratio shifted -0.09 pp (13.92% → 13.83%).
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
INSTEP gives up 42 points in total. Delinquency Rate costs the most, 15.2 of its 25; Loan-to-Share Ratio and Net Worth Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is INSTEP financially healthy?
On its 2025Q4 NCUA 5300 filing, INSTEP scores 58/100 (Fair), with a 13.83% net worth ratio and 2.43% of loans delinquent. It ranks #4,110 of 4,374 nationally on health and #118 of 138 in Louisiana.
How does INSTEP compare to other credit unions?
INSTEP scores 58/100, higher than 6% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (90.09% vs 62.60%). Its widest shortfall is return on assets (-0.90% vs 0.66%).
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?
INSTEP is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.