Side-by-side · Q2 2026 data
Breco Federal Credit Union vs Instep Federal Credit Union
Credit union
Instep Federal Credit Union
New Orleans, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Breco Federal Credit Union | Instep Federal Credit Union |
|---|---|---|
| TellerScore | 58 (stronger) | 52 |
| Capital cushion | 54 | 84 (stronger) |
| Loan quality | 70 (stronger) | 32 |
| Earnings | 17 (stronger) | 0 |
| Funding & liquidity | 82 (stronger) | 74 |
| Problem-loan coverage | 81 (stronger) | 76 |
| Peer percentile | 19th | 11th |
| Total assets | $50.7M | $52.9M |
| Deposits / shares | $45.3M | $45.5M |
| Capital ratio | 10.45% | 13.36% (stronger) |
| Problem loans | 0.89% (stronger) | 2.05% |
| Net charge-offs | 1.01% (stronger) | 2.11% |
| Return on assets | -0.08% (stronger) | -1.35% |
| Loans ÷ deposits | 78.3% (stronger) | 85.8% |
| Uninsured deposits | 4.3% | 4.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.1% | — |
Breco Federal Credit Union has the higher TellerScore (58 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Breco Federal Credit Union leads on 5 and Instep Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.