BlastPoint's Credit Union Scorecard
INSTEP
Charter #24951 · LA
INSTEP has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.77% above tier average
- + Fee Income Per Member: Top 1.0% in tier
- + AMR Growth Rate: Top 9.7% in tier
- + Total Loans: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 7.10% above tier (higher cost structure)
- - Delinquency rate 0.65% above tier average
- - Member decline: -5.3% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,818
-5.3% YoY-2.4% QoQ
|
+2.1K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Top 14.5% in tier |
| Assets |
$53.9M
+4.7% YoY+2.6% QoQ
|
+$23.7M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
79% |
| Loans |
$39.5M
+2.3% YoY-2.0% QoQ
|
+$24.2M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Top 9.8% in tier |
| Deposits |
$46.1M
+5.8% YoY+3.2% QoQ
|
+$20.3M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
79% |
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| ROA |
0.2%
-116.6% YoY-59.1% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
28% |
| NIM |
4.8%
-3.3% YoY-6.4% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
84% |
| Efficiency Ratio |
97.7%
+0.8% YoY+10.2% QoQ
|
+7.1% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
2.2%
+8.0% YoY-11.4% QoQ
|
+0.7 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
85.6%
-3.3% YoY-5.0% QoQ
|
+27.1% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Top 11.8% in tier |
| AMR |
$17,760
+9.9% YoY+3.3% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
68% |
| CD Concentration |
12.5%
+73.5% YoY+3.1% QoQ
|
-11.8% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)