Side-by-side · Q2 2026 data
Instep Federal Credit Union vs Post Office Employees' Credit Union
Credit union
Instep Federal Credit Union
New Orleans, Louisiana · Under $100 million in assets
Credit union
Post Office Employees' Credit Union
Metairie, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Instep Federal Credit Union | Post Office Employees' Credit Union |
|---|---|---|
| TellerScore | 52 | 78 (stronger) |
| Capital cushion | 84 (stronger) | 74 |
| Loan quality | 32 | 94 (stronger) |
| Earnings | 0 | 41 (stronger) |
| Funding & liquidity | 74 | 92 (stronger) |
| Problem-loan coverage | 76 | 98 (stronger) |
| Peer percentile | 11th | 59th |
| Total assets | $52.9M | $54.7M |
| Deposits / shares | $45.5M | $47.3M |
| Capital ratio | 13.36% (stronger) | 12.40% |
| Problem loans | 2.05% | 0.18% (stronger) |
| Net charge-offs | 2.11% | -0.08% (stronger) |
| Return on assets | -1.35% | 0.52% (stronger) |
| Loans ÷ deposits | 85.8% | 68.6% (stronger) |
| Uninsured deposits | 4.0% (stronger) | 4.1% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Post Office Employees' Credit Union has the higher TellerScore (78 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Instep Federal Credit Union leads on 2 and Post Office Employees' Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.