credit union

Instep

New Orleans, LA · Est. 1948
A
Trust Grade
Excellent
Score: 92/100

Instep is a credit union based in New Orleans, Louisiana, established in 1948, with $54 million in total assets serving 4,818 members. By Trust Grade it ranks 73rd of 136 credit unions we track in Louisiana. Its net worth ratio of 13.8% trails most similarly sized credit unions (47th percentile), versus a Louisiana median of 14.5%. It was profitable over the most recent period, with a 0.18% return on assets. No consumer complaints against Instep appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$53.9M
<$100M institution
Members
4,818
Shares & deposits
—
Net worth ratio
13.8%
Bottom 47% of <$100M peers · Louisiana median 14.5%
Return on assets
0.2%
Bottom 28% of <$100M peers · Louisiana median 0.49%
Rank in Louisiana
#73
of 136 credit unions

How Instep compares to Louisiana peers

Net worth ratio
Bottom 47% of <$100M peers
Instep
13.8%
Louisiana median
14.5%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 28% of <$100M peers
Instep
0.2%
Louisiana median
0.5%
Higher ROA = more profitable relative to asset base

How we graded Instep

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
92/100
Customer experience
n/a
Overall
A · 92
  • Strongly capitalized (13.8% capital ratio)
  • Profitable (ROA 0.18%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Instep over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Instep insured?

Yes. Instep is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Instep: frequently asked questions

Is Instep a good credit union?

Instep earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Strongly capitalized (13.8% capital ratio); Profitable (ROA 0.18%).

Is Instep NCUA-insured?

Yes. Instep is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Instep?

Instep holds $54 million in total assets, ranking 73rd of 136 credit unions we track in Louisiana. It serves 4,818 members.

Does Instep have CFPB complaints?

No CFPB complaints against Instep appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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