TellerScore

Headquartered in New Orleans, Louisiana, Instep Federal Credit Union is a federal credit union with $52.9M in total assets and $45.5M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1948.

Instep Federal Credit Union has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 11% of its 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 117th. Capital cushion contributes the most (84/100, 13.36%); earnings contributes the least (0/100, -1.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Net worth ratio: 13.36%
Loan quality32/100
Loans 60+ days delinquent ÷ total loans: 2.05%
Earnings0/100
Return on assets (annualized): -1.35%
Funding & liquidity74/100
Loans ÷ shares: 85.8% · 4.0% uninsured
Problem-loan coverage76/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.79%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (50 → 52), mostly because the loan quality component improved by 9 points.

TellerScore
505559Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202459
Q3 202456
Q4 202459
Q1 202553
Q2 202550
Q3 202555
Q4 202556
Q1 202658
Q2 202652
Net worth ratio
7.00%11.10%15.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202415.20%
Q3 202414.37%
Q4 202414.38%
Q1 202513.66%
Q2 202513.74%
Q3 202514.31%
Q4 202513.92%
Q1 202613.83%
Q2 202613.36%
Delinquent loans (60+ days)
1.50%1.98%2.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.77%
Q3 20241.93%
Q4 20241.50%
Q1 20252.00%
Q2 20252.30%
Q3 20252.45%
Q4 20252.43%
Q1 20262.16%
Q2 20262.05%
Return on assets
-1.35%-0.46%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-0.88%
Q3 2024-0.93%
Q4 2024-0.94%
Q1 2025-1.06%
Q2 2025-0.49%
Q3 20250.20%
Q4 20250.43%
Q1 20260.18%
Q2 2026-1.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$52.9M13.36%2.05%-1.35%85.8%
Q1 202658$53.9M13.83%2.16%0.18%85.6%
Q4 202556$52.5M13.92%2.43%0.43%90.1%
Q3 202555$50.6M14.31%2.45%0.20%93.1%
Q2 202550$51.2M13.74%2.30%-0.49%88.8%
Q1 202553$51.5M13.66%2.00%-1.06%88.5%
Q4 202459$49.8M14.38%1.50%-0.94%91.8%
Q3 202456$51.2M14.37%1.93%-0.93%88.0%
Q2 202459$49.4M15.20%1.77%-0.88%87.7%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.36%
42nd
Problem loans2.05%
20th
Net charge-offs2.11%
5th
Return on assets-1.35%
6th
Loans to deposits85.8%
13th
Uninsured deposits4.0%
28th
Loan-loss reserves0.00%
37th
Texas ratio11.8%
10th

Similar-size credit unions in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Sevenfold Federal Credit UnionCredit union West Monroe, LA73 out of 100, Strong$52.5M13.8%1.86%vs
Total Choice Federal Credit UnionCredit union Hahnville, LA61 out of 100, Moderate$54.3M7.5%0.20%vs
Post Office Employees' Credit UnionCredit union Metairie, LA78 out of 100, Strong$54.7M12.4%0.18%vs
Breco Federal Credit UnionCredit union Baton Rouge, LA58 out of 100, Moderate$50.7M10.4%0.89%vs
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
St. Tammany Federal Credit UnionCredit union Slidell, LA71 out of 100, Strong$47.2M14.1%1.02%vs

Deposit insurance

Is my money safe at Instep Federal Credit Union?

Yes. Instep Federal Credit Union is a federally insured credit union (NCUA charter #24951). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.0% of shares and deposits ($1.8M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.36%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Instep Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Instep Federal Credit Union
Type
Federal credit union
NCUA charter #
24951
RSSD ID
258490
Primary regulator
NCUA
Established
1948
Headquarters
400 Russell Ave., Bldg. #509, New Orleans, LA 70143
Employees
22

Quick answers

Instep Federal Credit Union: common questions

Is Instep Federal Credit Union NCUA insured?

Yes. Instep Federal Credit Union is a federally insured credit union (NCUA charter #24951). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Instep Federal Credit Union's TellerScore?

52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Instep Federal Credit Union have?

1 office as of the latest NCUA data.