{
  "name": "credit-union-ledger",
  "title": "Credit Union Ledger",
  "description": "Free MCP server for every US credit union's NCUA 5300 call-report figures: size, growth, capital, earnings, loan quality, lending and deposit mix and loan rates, with peer percentiles. No authentication.",
  "version": "1.0.0",
  "url": "https://creditunions.online/mcp",
  "transport": {
    "type": "streamable-http",
    "url": "https://creditunions.online/mcp"
  },
  "authentication": {
    "type": "none"
  },
  "protocolVersions": [
    "2025-06-18",
    "2025-03-26",
    "2024-11-05"
  ],
  "capabilities": {
    "tools": {
      "listChanged": false
    }
  },
  "tools": [
    {
      "name": "search_credit_unions",
      "title": "Search credit unions",
      "description": "Find US credit unions by name, trade name (e.g. \"SECU\", \"BECU\"), city or NCUA charter number. Returns matches largest first, with charter numbers to pass to the other tools."
    },
    {
      "name": "get_credit_union",
      "title": "Get one credit union",
      "description": "Full profile of one credit union from its latest NCUA call report: address, phone, charter, every ratio (capital, earnings, loan quality, growth, lending and deposit mix, loan rates) with national and peer-group percentiles, five quarters of history and offices."
    },
    {
      "name": "compare_credit_unions",
      "title": "Compare credit unions",
      "description": "Side-by-side comparison of 2 to 6 credit unions on chosen metrics (default: size, growth, capital, earnings, loan quality, fees and loan rates)."
    },
    {
      "name": "rank_credit_unions",
      "title": "Rank credit unions",
      "description": "Rank credit unions on any metric (e.g. largest by assets, highest return on assets, lowest new auto loan rate, best capitalized), nationally or within a state, peer group or asset range. Ratio rankings exclude very small credit unions by default (each metric has a minimum asset size)."
    },
    {
      "name": "peer_report",
      "title": "Peer report",
      "description": "How one credit union compares with its peers on every ratio that has a better direction: value, peer median, percentile, and its clearest strengths and weaknesses. Peers = its NCUA asset-size group nationally, every credit union in its state, or its asset-size group within its state."
    },
    {
      "name": "state_summary",
      "title": "State summary",
      "description": "Credit unions headquartered in one state: count, combined assets, members and loans, delinquency, medians of key ratios and the largest credit unions."
    },
    {
      "name": "find_offices",
      "description": "Credit union branch offices in a city, ZIP or county (or one credit union's offices in a state): address, phone, hours, drive-through and ATM, from NCUA's branch file."
    },
    {
      "name": "list_metrics",
      "title": "List metrics",
      "description": "Every metric key the other tools accept, with its definition, unit and which direction is better."
    }
  ],
  "documentation": "https://creditunions.online/developers/",
  "openapi": "https://creditunions.online/openapi.json",
  "publisher": {
    "name": "Credit Union Ledger",
    "url": "https://creditunions.online/",
    "contact": "hello@creditunions.online"
  },
  "license": "CC BY 4.0 (attribute \"Credit Union Ledger, creditunions.online\"); underlying figures are NCUA public data"
}