BlastPoint's Credit Union Scorecard
INSTEP
Charter #24951 · LA
INSTEP has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.15% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 1.1% in tier
- + Loan-to-Share Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Efficiency ratio 6.10% above tier (higher cost structure)
- - Delinquency rate 0.88% above tier average
- - Member decline: -2.9% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,939
-2.9% YoY0% QoQ
|
+2.3K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Top 14.4% in tier |
| Assets |
$52.5M
+5.4% YoY+3.8% QoQ
|
+$22.4M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$40.3M
+3.7% YoY+1.7% QoQ
|
+$24.5M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Top 10.2% in tier |
| Deposits |
$44.7M
+5.7% YoY+5.1% QoQ
|
+$19.0M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.4%
-147.1% YoY+125.2% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
5.1%
+8.4% YoY-0.5% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 12.2% in tier |
| Efficiency Ratio |
88.7%
-3.7% YoY-6.5% QoQ
|
+6.1% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
2.4%
+61.8% YoY-0.6% QoQ
|
+0.9 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
90.1%
-1.9% YoY-3.2% QoQ
|
+29.5% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 9.9% in tier |
| AMR |
$17,199
+7.9% YoY+3.5% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
12.1%
-19.5% YoY+34.8% QoQ
|
-12.3% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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)