Credit union · NCUA insured
Instep Credit Union
Top CarrotA $53.9M credit union headquartered in New Orleans, LA, with 4,818 members and 2 branches in Louisiana. Best rates: CDs 3.67% and savings 0.40% APY.
Instep Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#4 of 31 in New Orleans, LA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Instep Credit Union
Chartered in 1948 as NAS Credit Union in Louisiana, Instep Credit Union changed its name in 2022 and became federally chartered in 2023.
The member-owned credit union operates two branch locations in Belle Chasse, Louisiana.
- Headquarters
- 400 Russell Ave Bldg 509, New Orleans, LA 70143-5077
- NCUA charter
- 24951
Branches
2 branches in Louisiana
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Louisiana
2 branches
- Instep CuMain office400 Russell Ave Bldg 509, New Orleans, LA 70143Directions
- Belle Chasse Branch8640 Highway 23, Belle Chasse, LA 70037Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.36% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.05% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -1.36% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $86 | $59 | — |
- CapitalNet worth ratio13.36%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.05%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-1.36%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$86Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Instep Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.