Instep

New Orleans, LA · 1 · Charter #24951 · www.instepmembers.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$52.5M
3th percentile
Members
4,939
24th percentile
Total loans
$40.3M
28th percentile
Total shares
$43.7M
3th percentile

Profitability

Return on assets
0.96%
45th percentile
Net interest margin
5.01%
95th percentile
Efficiency ratio
79.77%
7th percentile
Non-interest income ratio
36.81%
98th percentile

Capital & Risk

Net worth ratio
13.92%
69th percentile
Delinquency rate
2.43%
7th percentile
Net charge-off rate
0.61%
24th percentile
Loan-to-share
92.15%
90th percentile

Growth

Member growth YoY
-2.93%
24th percentile
Asset growth YoY
5.37%
63th percentile
Loan growth YoY
3.74%
64th percentile
Share growth YoY
5.87%
70th percentile

Operations

Members / branch
2,470
35th percentile
Assets / member
$10,633
18th percentile
Field of membership penetration
21.41%
71th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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