Side-by-side · Q2 2026 data
Total Choice Federal Credit Union vs Instep Federal Credit Union
Credit union
Total Choice Federal Credit Union
Hahnville, Louisiana · Under $100 million in assets
Credit union
Instep Federal Credit Union
New Orleans, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Total Choice Federal Credit Union | Instep Federal Credit Union |
|---|---|---|
| TellerScore | 61 (stronger) | 52 |
| Capital cushion | 25 | 84 (stronger) |
| Loan quality | 93 (stronger) | 32 |
| Earnings | 26 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 98 (stronger) | 76 |
| Peer percentile | 23rd | 11th |
| Total assets | $54.3M | $52.9M |
| Deposits / shares | $50.1M | $45.5M |
| Capital ratio | 7.54% | 13.36% (stronger) |
| Problem loans | 0.20% (stronger) | 2.05% |
| Net charge-offs | 0.24% (stronger) | 2.11% |
| Return on assets | 0.16% (stronger) | -1.35% |
| Loans ÷ deposits | 37.5% (stronger) | 85.8% |
| Uninsured deposits | 2.1% (stronger) | 4.0% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Total Choice Federal Credit Union has the higher TellerScore (61 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Total Choice Federal Credit Union leads on 6 and Instep Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.