Civic Intelligence

Instep Credit Union

990 • Fiscal year 2022 • EIN 72-0456989

Jan 01, 2022 to Dec 31, 2022 • Filed on Jun 23, 2023

Organization Profilewww.nasjrb.org

View Organization Page

400 Russell Ave Bldg 509New Orleans, LA 70143-5999

(504) 394-5574

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

22nd percentile

0.84x

Higher debt load relative to assets than 22% of similar nonprofits.

2022 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2022

Liabilities / Revenue

7th percentile

9.73x

Higher debt load relative to revenue than 7% of similar nonprofits.

2022 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2022

Net Margin

37th percentile

8.7%

Higher net margin than 37% of similar nonprofits.

2022 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2022

Top Officer Pay

83rd percentile

$145,282

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 3.4% of source-year revenue.

2022 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2022

Asset Growth

50th percentile

0.5%

Faster asset growth than 50% of similar nonprofits.

2022 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2021 to 2022

Revenue Growth

26th percentile

1.4%

Faster revenue growth than 26% of similar nonprofits.

2022 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets22nd percentile

Assets

Up

$49,616,390

Up $230,806 (+0.5%) from 2021

Net Assets

Up

$7,819,679

Up $372,646 (+5.0%) from 2021

Liabilities

Down

$41,796,711

Down $141,840 (-0.3%) from 2021

Revenue And Expenses
Liabilities / Revenue7th percentileNet Margin37th percentile

Revenue

Up

$4,296,522

Up $59,392 (+1.4%) from 2021

Expenses

Up

$3,923,876

Up $460,799 (+13%) from 2021

Net Income

Down

$372,646

Down $401,407 (-52%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth50th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$60M$40M$20M$0Assets 2010: $35,115,149Liabilities 2010: $32,503,479Net Assets 2010: $2,611,6702010Assets 2011: $31,822,514Liabilities 2011: $29,443,102Net Assets 2011: $2,379,4122011Assets 2012: $30,393,476Liabilities 2012: $27,874,773Net Assets 2012: $2,518,7032012Assets 2013: $28,285,307Liabilities 2013: $25,756,650Net Assets 2013: $2,528,6572013Assets 2014: $27,937,418Liabilities 2014: $25,490,348Net Assets 2014: $2,447,0702014Assets 2015: $27,896,884Liabilities 2015: $25,477,911Net Assets 2015: $2,418,9732015Assets 2016: $29,226,430Liabilities 2016: $26,555,723Net Assets 2016: $2,670,7072016Assets 2017: $29,775,128Liabilities 2017: $26,760,353Net Assets 2017: $3,014,7752017Assets 2018: $29,852,004Liabilities 2018: $26,629,952Net Assets 2018: $3,222,0522018Assets 2019: $36,955,865Liabilities 2019: $31,458,130Net Assets 2019: $5,497,7352019Assets 2020: $42,768,365Liabilities 2020: $36,095,385Net Assets 2020: $6,672,9802020Assets 2021: $49,385,584Liabilities 2021: $41,938,551Net Assets 2021: $7,447,0332021Assets 2022: $49,616,390Liabilities 2022: $41,796,711Net Assets 2022: $7,819,6792022

Highlighted filing

2022

Assets$49,616,390
Liabilities$41,796,711
Net Assets$7,819,679
Open 2022 Filing

Operations Trend

Revenue Growth26th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $2,707,5112010Expenses 2011: $2,546,8682011Expenses 2012: $2,203,2352012Revenue 2013: $2,349,985Expenses 2013: $2,340,031Net Income 2013: $9,9542013Revenue 2014: $2,337,126Expenses 2014: $2,418,713Net Income 2014: -$81,5872014Revenue 2015: $2,337,593Expenses 2015: $2,365,690Net Income 2015: -$28,0972015Revenue 2016: $2,387,980Expenses 2016: $2,136,246Net Income 2016: $251,7342016Revenue 2017: $2,630,516Expenses 2017: $2,286,448Net Income 2017: $344,0682017Revenue 2018: $2,959,239Expenses 2018: $2,751,962Net Income 2018: $207,2772018Revenue 2019: $3,643,376Expenses 2019: $3,125,186Net Income 2019: $518,1902019Revenue 2020: $4,143,620Expenses 2020: $2,968,375Net Income 2020: $1,175,2452020Revenue 2021: $4,237,130Expenses 2021: $3,463,077Net Income 2021: $774,0532021Revenue 2022: $4,296,522Expenses 2022: $3,923,876Net Income 2022: $372,6462022

Highlighted filing

2022

Revenue$4,296,522
Expenses$3,923,876
Net Income$372,646
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Jun 23, 2023
Return Version
2022v5.0
Gross Receipts
$4,296,522
Mission and Program Overview

Mission

To encourage thrift among it's members, creating a source of credit at fair and reasonable rates of interest, providing other financial services, and providing an opportunity for its members to use and control their own money on a democratic basis.

To encourage thrift among its members, creating a source of credit at fair and reasonable rates of interest, providing other financial services, and providing an opportunity for its members to use and control their own money on a democratic basis.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$32,945,336$34,534,393▲ $1,589,057
Savings and Temporary Cash Investments$12,933,130$8,893,301▼ $4,039,829
Land, Buildings, and Equipment, Net$1,606,635$4,528,310▲ $2,921,675
Cash and Non-Interest-Bearing Accounts$899,118$775,249▼ $123,869
Prepaid Expenses and Deferred Charges$194,939$202,068▲ $7,129
Accounts Receivable$341,734$161,182▼ $180,552
Total Assets$49,385,584$49,616,390▲ $230,806
Other Assets Total$464,692$521,887▲ $57,195
Liabilities
Other Liabilities$41,610,915$41,782,779▲ $171,864
Accounts Payable and Accrued Expenses$327,636$13,932▼ $313,704
Total Liabilities$41,938,551$41,796,711▼ $141,840
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$7,447,033$7,819,679▲ $372,646
Total Net Assets Fund Balance$7,447,033$7,819,679▲ $372,646
Total Liabilities and Net Assets / Fund Balance$49,385,584$49,616,390▲ $230,806

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$311,688$339,401-
Leasehold Improvements$4,216,622$800,504-
Other Assets Org$112--
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Helen DelinPresident & CEOFT$145,282$145,282
Joyce KelleyChief Financial OfficerFT$75,874$75,874

Board Members and Trustees

NameTitle
Emanuel StevensonChairman
Steven NelsonVice Chairman
Jesse HasemkampfDirector
Nancy WolfeDirector
Sasha SandersDirector
Tami PrineSecretary
Ronald MelnykTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$92,368
Other Revenue
$4,204,154
Change in Net Assets
$372,646
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,564,144
Salaries, Compensation, and Employee Benefits$1,359,732
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,055,950
All Other Expenses---$595,082
Advertising---$194,729
Other Expenses$194,342--$194,342
Other Employee Benefits---$153,266
Fees for Services Legal---$138,843
Payroll Taxes---$95,474
Conferences and Meetings---$95,115
Depreciation Depletion---$93,922
Interest---$65,789
Pension Plan Contributions---$55,042
Fees for Services Accounting---$44,918
Fees for Services Other---$41,071
Office Expenses---$41,001
Occupancy---$30,750
Total Functional Expenses$0$0$0$3,923,876
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$41,782,779
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“Active duty and active reserve members of the military; retirees of the military ; federal civil service employees; credit union employees; Plaquemines Parish residents; and immediate families of these groups.”

Member election for additional members Part VI line 7A

“Members vote to seat Board of Directors. Board of Directors are charged with governing the Credit Union.”

Form 990 governing body review Part VI line 11

“CPA firm hired to prepare Form 990. Management reviews 990 prior to filing.”

Conflict of interest policy compliance Part VI line 12C

“Annual review of policy and requirements with officers, directors, and key employees.”

Other officer or key employee compensation Part VI line 15B

“Board of Directors reviews comparability data and CUNA compensation data for determining compensation of CEO.”

Governing documents etc available to public Part VI line 19

“The Organization makes governing documents, policies, and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
INSTEP Credit Union
EIN
72-0456989
Address
400 Russell Ave Bldg 509, New Orleans, LA 70143-5999

Signing Officer

Name
Helen Delin
Title
CEO
Phone
5046783563
Signed
2023-06-23
Discuss with paid preparer
Yes

Organization Details

Formed
1948
Legal Domicile
La
Voting Board Members
7
Independent Board Members
7
Employees
33

Preparer

Firm
Griffin and Company LLC
Address
P O Box 983, Mandeville, LA 70470
Preparer
Stephen M Griffin CPA
Phone
9857279924
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“Other change in net assets is the net assets acquired through a merger deal.”

List of other expenses Part IX line 24E

“See Overflow Statement for a list of other expenses.”

Raw XML Appendix371 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/PYTotalExpensesAmt03463077
IRS990/PYTotalRevenueAmt04237130
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IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0800504
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt05017126
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0428428
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt193347
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2112
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUSIF
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1Accrued Income - Loans
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2Accrued Income - Certificates
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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0339401
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt041782779
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares
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IRS990ScheduleD/TotalBookValueOtherAssetsAmt0521887
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Active duty and active reserve members of the military; retirees of the military ; federal civil service employees; credit union employees; Plaquemines Parish residents; and immediate families of these groups.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members vote to seat Board of Directors. Board of Directors are charged with governing the Credit Union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CPA firm hired to prepare Form 990. Management reviews 990 prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Annual review of policy and requirements with officers, directors, and key employees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Board of Directors reviews comparability data and CUNA compensation data for determining compensation of CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The Organization makes governing documents, policies, and financial statements available to the public upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Other change in net assets is the net assets acquired through a merger deal.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7See Overflow Statement for a list of other expenses.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Explanation of other changes in net assets or fund balances Part XI line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7List of other expenses Part IX line 24e
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IRS990/TotalAssetsGrp/BOYAmt049385584
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IRS990/TotalEmployeeCnt033
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IRS990/TotalGrossUBIAmt017049
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IRS990/TotalLiabilitiesEOYAmt041796711
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IRS990/WebsiteAddressTxt0www.nasjrb.org
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IRS990/WrittenPolicyOrProcedureInd0false
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd000
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd00
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Helen Delin
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05046783563
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-06-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0INSTEP Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0INST
ReturnHeader/Filer/EIN0720456989
ReturnHeader/Filer/USAddress/AddressLine1Txt0400 Russell Ave Bldg 509
ReturnHeader/Filer/USAddress/CityNm0New Orleans
ReturnHeader/Filer/USAddress/StateAbbreviationCd0LA
ReturnHeader/Filer/USAddress/ZIPCd0701435999
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0721506949
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Griffin and Company LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0P O Box 983
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Mandeville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0LA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd070470
ReturnHeader/PreparerPersonGrp/PhoneNum09857279924
ReturnHeader/PreparerPersonGrp/PreparationDt02023-07-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Stephen M Griffin CPA
ReturnHeader/ReturnTs02023-07-03T09:29:38-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Helen
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Delin
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$49,616,390
Liabilities
$41,796,711
Net assets
$7,819,679
Revenue
$4,296,522
Expenses
$3,923,876
Net income
$372,646
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$49.6$41.8$7.82$4.30$3.92$0.37
2021Detailed filing. Detailed filing data is available for this year.$49.4$41.9$7.45$4.24$3.46$0.77
2020Detailed filing. Detailed filing data is available for this year.$42.8$36.1$6.67$4.14$2.97$1.18
2019Detailed filing. Detailed filing data is available for this year.$37.0$31.5$5.50$3.64$3.13$0.52
2018Detailed filing. Detailed filing data is available for this year.$29.9$26.6$3.22$2.96$2.75$0.21
2017Detailed filing. Detailed filing data is available for this year.$29.8$26.8$3.01$2.63$2.29$0.34
2016Detailed filing. Detailed filing data is available for this year.$29.2$26.6$2.67$2.39$2.14$0.25
2015Detailed filing. Detailed filing data is available for this year.$27.9$25.5$2.42$2.34$2.37$0.03
2014Detailed filing. Detailed filing data is available for this year.$27.9$25.5$2.45$2.34$2.42$0.08
2013Detailed filing. Detailed filing data is available for this year.$28.3$25.8$2.53$2.35$2.34$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.4$27.9$2.52$2.20
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.8$29.4$2.38$2.55
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.1$32.5$2.61$2.71