INSTEP
Charter #24951 · New Orleans, LA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.18% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.84% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.16% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 97.73% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 36th — a 26-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | INSTEP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $53.90M | 10th pct | 36th pct |
| Members | 4,818 | 46th pct | 34th pct |
| Net worth ratio | 13.83% | 61th pct | 66th pct |
| Return on average assets | 0.18% | 21th pct | 23th pct |
| Net interest margin | 4.84% | 94th pct | 95th pct |
| Cost of funds | 1.05% | 59th pct | 49th pct |
| Loan-to-share | 85.63% | 91th pct | 82th pct |
| Delinquency 60+ days | 2.16% | 95th pct | 95th pct |
| Net charge-off ratio | 0.79% | 83th pct | 74th pct |
| Loan growth YoY | -0.27% | 62th pct | 61th pct |
| Share growth YoY | 8.37% | 93th pct | 92th pct |
| Efficiency ratio | 97.73% | 92th pct | 90th pct |
structural peer set hash: 9ecf97ba47f152fcaa01ec3427c66ca4… (reproducible)
Closest structural peers
This is the free public view
Claim INSTEP
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.