B
INSTEP Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings INSTEP Federal Credit Union
New Orleans, LA
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Rating B
Asset Quality Index 3.90
Capitalization Index 10.00
Liquidity Index 2.90
Profitability Index 3.00
Stability Index 6.10
Company Info INSTEP Federal Credit Union
New Orleans, LA
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NCUA Charter Number 4363
Phone Number (504) 394-5574
Website www.instepmembers.com
Asset Quality INSTEP Federal Credit Union
New Orleans, LA
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1-Year Asset Growth -1.23%
5-Year Asset Growth 6.13%
5-Year Charge-Offs to Average Loans 1.18%
Charge-Offs to Average Loans 0.54%
Non-Performing Assets to Assets 2.25%
Non-Performing Loans to Capital 14.56%
Non-Performing Loans to Loans 2.45%
Balance Sheet INSTEP Federal Credit Union
New Orleans, LA
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Total Assets 50.61M
Total Deposits 42.53M
Capital and Reserves INSTEP Federal Credit Union
New Orleans, LA
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Capital 7.16M
Leverage Ratio 14.33
Loan Loss Reserves to Loans 1.67%
Liquidity INSTEP Federal Credit Union
New Orleans, LA
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Hot Money Ratio 2.84%
Liquidity Ratio 12.65%
Profitability INSTEP Federal Credit Union
New Orleans, LA
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5-Year Return on Average Assets 0.91%
Net Income 74.00K
Net Interest Spread 6.28%
Operating Profit to Average Assets 0.42%
Overhead Efficiency Ratio 94.79%
Return on Assets 0.19%
Return on Equity 1.41%