Instep
New Orleans, LA · Charter 24951 · Peer group: credit unions under $1B in assets in the New Orleans-Metairie, LA area (n=28-29)
NCUA · 2 branches
Q2 2026
$52.9MAssets
$39.0MLoans
$45.5MShares
$7.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 69% of credit unions under $1B in assets in the New Orleans-Metairie, LA area (rank 9 of 29).
- Widest gap: return on equity trails 89% of credit unions under $1B in assets in the New Orleans-Metairie, LA area (rank 25 of 28).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-1.35%
Rank 25 of 29
Net Interest Margin
4.86%
Rank 9 of 29
Efficiency Ratio
97.23%
Rank 22 of 29
Equity / Assets
13.36%
Rank 18 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.35% | -0.27% | 0.39% | 0.68% | Beats 14% | 25 / 29 | |
| Return on Equity | -10.12% | 0.64% | 2.28% | 5.24% | Beats 11% | 25 / 28 | |
| Net Interest Margin | 4.86% | 3.88% | 4.49% | 4.89% | Beats 69% | 9 / 29 | |
| Efficiency Ratio | 97.23% | 77.78% | 86.62% | 97.23% | Beats 28% | 22 / 29 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.05% | 0.22% | 1.19% | 2.21% | Beats 38% | 19 / 29 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.36% | 11.89% | 14.07% | 21.10% | Beats 38% | 18 / 29 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.36% | 11.89% | 14.07% | 21.10% | Beats 38% | 18 / 29 | |
| Liquidity & Funding |
| Loans / Deposits | 85.75% | 45.57% | 67.88% | 82.54% | 79th pctl | 6 / 29 | |
| Loans / Assets | 73.71% | 34.60% | 52.32% | 69.33% | 83rd pctl | 5 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |