credit union · NCUA 24951 · LA
How big is INSTEP?
INSTEP (LA, NCUA charter 24951) reported total assets of $52.9M, 4,795 members and a net worth ratio of 13.36% in its Call Report for 2026Q2. That ranks 2351 of 4,299 federally insured credit unions by assets, 531 of 573 among credit unions with $50m-$100m in assets, 46 of 136 credit unions in louisiana.
What stands out
INSTEP (LA, NCUA charter 24951) reported total assets of $52.9M, 4,795 members and a net worth ratio of 13.36% in its Call Report for 2026Q2. That ranks 2351 of 4,299 federally insured credit unions by assets, 531 of 573 among credit unions with $50m-$100m in assets, 46 of 136 credit unions in louisiana. Against its size class: net worth ratio 13.36%, above the peer median of 12.95%; loan-to-share ratio 85.75%, above the peer median of 60.93%; return on assets -1.35%, below the peer median of 0.73%. At 13.36% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $52.9M | $72.1M | $22.4M | $68.3M | record → |
| Shares and deposits | $45.5M | $61.4M | $18.8M | $58.3M | record → |
| Loans outstanding | $39.0M | $37.6M | $11.4M | $34.4M | record → |
| Net income (year to date) | $-357.6k | $269.0k | $44.5k | $222.2k | record → |
| Net worth | $7.1M | $9.2M | $3.5M | $9.0M | record → |
| Net worth ratio | 13.36% | 12.95% | 14.77% | 12.65% | record → |
| Loan-to-share ratio | 85.75% | 60.93% | 70.34% | 68.70% | computed |
| Return on assets | -1.35% | 0.73% | 0.58% | 0.71% | computed |
| Members | 4,795 | 5,030 | 2,400 | 4,818 | record → |
Quarter by quarter
11 Call Reports on record, 2023Q4–2026Q2; the 11 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $52.9M | $45.5M | $39.0M | $-357.6k | 13.36% | 4,795 | 2351 |
| 2026Q1 | $53.9M | $46.1M | $39.5M | $24.1k | 13.83% | 4,818 | 2349 |
| 2025Q4 | $52.5M | $44.7M | $40.3M | $225.7k | 13.92% | 4,939 | 2367 |
| 2025Q3 | $50.6M | $42.5M | $39.6M | $74.2k | 14.31% | 4,939 | 2407 |
| 2025Q2 | $51.2M | $43.4M | $38.6M | $-126.8k | 13.74% | 5,038 | 2405 |
| 2025Q1 | $51.5M | $43.6M | $38.6M | $-136.8k | 13.66% | 5,085 | 2420 |
| 2024Q4 | $49.8M | $42.3M | $38.8M | $-470.1k | 14.38% | 5,088 | 2446 |
| 2024Q3 | $51.2M | $43.5M | $38.2M | $-356.2k | 14.37% | 5,172 | 2426 |
| 2024Q2 | $49.4M | $41.6M | $36.5M | $-217.8k | 15.20% | 5,169 | 2467 |
| 2024Q1 | $48.1M | $40.4M | $36.4M | $-141.6k | 15.74% | 5,176 | 2508 |
| 2023Q4 | $46.9M | $38.5M | $36.0M | $107.4k | 16.46% | 5,139 | 2523 |
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