Credit union data API and MCP server: free

Connect an AI assistant (MCP)

The server speaks MCP's Streamable HTTP transport at https://creditunions.online/mcp. It needs no login and only reads data. Once connected, ask in plain words; the assistant picks the tool, and every answer names the quarter and links the credit union's page here.

Claude

In Claude, open Settings, then Connectors, choose to add a custom connector, and paste https://creditunions.online/mcp as the URL.

Claude Code

claude mcp add --transport http credit-union-ledger https://creditunions.online/mcp

Cursor, Windsurf and other clients

Add the server to the client's MCP configuration file (for Cursor, .cursor/mcp.json):

{
  "mcpServers": {
    "credit-union-ledger": {
      "url": "https://creditunions.online/mcp"
    }
  }
}

Clients that only run local servers can bridge to it with a remote-MCP proxy such as npx mcp-remote https://creditunions.online/mcp.

Tools

Tool	What it does
`search_credit_unions`	Find credit unions by name, trade name, city or charter number, optionally in one state.
`get_credit_union`	Everything about one credit union: profile, every ratio with peer percentiles, five quarters, offices.
`compare_credit_unions`	Two to six credit unions side by side on any metrics.
`rank_credit_unions`	Rank on any metric, nationally or by state, peer group or asset range.
`peer_report`	Strengths and weaknesses against its asset-size group, its state, or both.
`state_summary`	Totals, ratio medians and the largest credit unions in a state.
`list_metrics`	Every metric key with its definition.

Things to ask

Which credit unions in Ohio with more than $500 million in assets have the highest return on assets?
Compare Navy Federal, PenFed and Alliant on capital, loan quality, fees and auto loan rates.
Give me a peer report for charter 24212 against California credit unions of its size.
Is my credit union well capitalized? It is BECU.
List the 10 fastest-growing credit unions by members with at least $1 billion in assets.

Calling it without an assistant

Each request is one JSON-RPC 2.0 message posted to /mcp; the answer comes back as JSON. A plain GET returns a short description of the server.

curl -s https://creditunions.online/mcp \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json, text/event-stream' \
  -d '{"jsonrpc":"2.0","id":1,"method":"tools/call",
       "params":{"name":"rank_credit_unions",
                 "arguments":{"metric":"rateNewAuto","state":"TX","limit":5}}}'

JSON API

Static files, rebuilt when NCUA posts a new quarter, served from Cloudflare's edge and open to any website (CORS allows every origin). Every record carries its quarter, its source and a link to its page here. Fetch the full file once rather than thousands of single records when you need everything.

Endpoint	What it returns
`/api/v1/index.json`	Discovery document: every endpoint, the data quarter and the MCP server.
`/api/v1/credit-unions.json`	All 4,299 credit unions with every metric below, in columns: fields[] names the columns and rows[] holds one array per credit union. About 2 MB.
`/api/v1/credit-unions/{charter}.json`	One credit union by NCUA charter number: profile, phone and hours, raw call-report figures with the NCUA account code behind each, every metric with national and peer-group percentiles and the peer median, rank in its state, five quarters and up to 40 offices.
`/api/v1/states.json`	Every state: count, combined assets, members, loans and deposits, delinquency, and medians of key ratios.
`/api/v1/states/{st}.json`	One state (two-letter code in lower case, such as tx) with every credit union headquartered there, largest first.
`/api/v1/metrics.json`	Every metric key with its definition, unit and which direction is better.
`/api/v1/mergers.json`	NCUA-approved mergers from the last five Merger Activity and Insurance Reports.
`/api/v1/trade-names.json`	Charter number to the trade names NCUA lists for it (SECU, BECU).
`/openapi.json`	OpenAPI 3.1 description of all of the above.

Examples

One credit union (Navy Federal is charter 5536):

curl https://creditunions.online/api/v1/credit-unions/5536.json

Highest return on assets, from the full file, with jq:

curl -s https://creditunions.online/api/v1/credit-unions.json \
  | jq -r '.fields as $f | .rows[] | [.[($f|index("name"))], .[($f|index("roa"))]] | @tsv' \
  | sort -t$'\t' -k2 -nr | head

In JavaScript:

const res = await fetch('https://creditunions.online/api/v1/credit-unions.json');
const { fields, rows, quarter } = await res.json();
const col = (k) => fields.indexOf(k);
const texas = rows.filter((r) => r[col('state')] === 'TX');
console.log(quarter, texas.length, 'credit unions in Texas');

Charter numbers are NCUA's and never change, so they are the safe key to store. Find one with the MCP search tool, the site search, or the id column of the full file. Prefer spreadsheets? The same data is on the downloads page as CSV.

Metric reference

The key in each row is the field name in the API and the metric argument for the MCP tools. Year-to-date income, expense and charge-off figures are annualized; "average" balances are the mean of this quarter and the prior December, as in NCUA's Financial Performance Report. Percentiles run from 0 to 100, where 100 is best for a ratio with a direction.

Size

Key	Metric	Unit	Definition
`assets`	Total assets	dollars	Total assets on the call report.
`members`	Members	count	Current members on the call report.
`loans`	Loans outstanding	dollars	Total loans and leases outstanding.
`shares`	Shares and deposits	dollars	Total member shares and deposits, including nonmember deposits.
`netWorth`	Net worth	dollars	Net worth as defined in 12 CFR 702.2: retained earnings and other qualifying equity.
`branches`	Branches	count	Number of branch offices on the call report.
`employees`	Employees	count	Full-time plus part-time employees.

Growth (12 months)

Key	Metric	Unit	Definition
`assetGrowth`	Asset growth	percent, higher is better	Change in total assets over the last 12 months.
`memberGrowth`	Member growth	percent, higher is better	Change in members over the last 12 months.
`loanGrowth`	Loan growth	percent, higher is better	Change in loans outstanding over the last 12 months.
`shareGrowth`	Deposit growth	percent, higher is better	Change in shares and deposits over the last 12 months.

Capital and reserves

Key	Metric	Unit	Definition
`nwr`	Net worth ratio	percent, higher is better	Net worth divided by total assets. NCUA's rules treat 7% or more as well capitalized (12 CFR 702.102).
`aclCoverage`	Loss reserves to loans	percent, higher is better	Allowance for credit losses on loans divided by total loans.
`aclToDelinq`	Loss reserves to late loans	multiple, higher is better	Allowance for credit losses on loans divided by loans 60 or more days past due.

Earnings

Key	Metric	Unit	Definition
`roa`	Return on assets	percent, higher is better	Annualized year-to-date net income divided by average assets.
`nim`	Net interest margin	percent	Annualized net interest income divided by average assets.
`dividendRate`	Dividends paid on deposits	percent, higher is better	Annualized dividends on shares plus interest on deposits, divided by average shares and deposits. A blended rate across every account the credit union pays on, not an advertised rate.
`costOfFunds`	Cost of funds	percent	Annualized dividends, interest on deposits and interest on borrowed money, divided by average assets (NCUA FPR cost of funds to average assets).
`efficiency`	Efficiency ratio	percent, lower is better	Non-interest (operating) expense divided by net interest income plus non-interest income: the standard industry efficiency ratio (NCUA's FPR does not publish one). Lower means fewer cents spent to earn each dollar of revenue.
`opexRatio`	Operating expense to assets	percent, lower is better	Annualized non-interest expense divided by average assets.
`nonIntIncomeRatio`	Non-interest income to assets	percent	Annualized fee income plus other operating income, divided by average assets (NCUA FPR fee and other operating income to average assets).
`feePerMember`	Fee income per member	dollars, lower is better	Annualized fee income divided by members. Lower means members pay less in fees on average.
`provisionRatio`	Credit loss expense to loans	percent, lower is better	Annualized credit loss expense (provision) divided by average loans.

Loan quality

Key	Metric	Unit	Definition
`delinqRate`	Loans 60+ days late	percent, lower is better	Loans 60 or more days past due divided by total loans.
`ncoRate`	Net charge-off rate	percent, lower is better	Annualized year-to-date charge-offs less recoveries, divided by average loans.

Lending

Key	Metric	Unit	Definition
`loanToShare`	Loan-to-share ratio	percent	Total loans divided by total shares and deposits.
`autoShare`	Auto loans, share of loans	percent	New and used vehicle loans divided by total loans.
`mortgageShare`	Home loans, share of loans	percent	1-4 family first-lien and junior-lien (home equity) loans divided by total loans.
`cardShare`	Credit cards, share of loans	percent	Unsecured credit card balances divided by total loans.
`commercialShare`	Business loans, share of loans	percent	Commercial loans to members and nonmembers divided by total loans.
`autoLoans`	Auto loans outstanding	dollars	New plus used vehicle loans outstanding.
`mortgageLoans`	Home loans outstanding	dollars	1-4 family first-lien plus junior-lien loans outstanding.
`cardLoans`	Credit card balances	dollars	Unsecured credit card loans outstanding.
`commercialLoans`	Business loans outstanding	dollars	Commercial loans to members and nonmembers outstanding.
`studentLoans`	Private student loans	dollars	Non-federally guaranteed student loans outstanding.
`avgLoan`	Average loan size	dollars	Total loans divided by the number of loans.

Deposits

Key	Metric	Unit	Definition
`certShare`	Certificates, share of deposits	percent	Share certificates (CDs) divided by total shares and deposits.
`coreShare`	Core deposits, share of deposits	percent	Regular shares, share drafts (checking) and money market shares divided by total shares and deposits.
`uninsuredShare`	Deposits over $250,000	percent	Shares and deposits above the $250,000 insurance limit divided by total shares and deposits.
`avgDeposit`	Average deposits per member	dollars	Total shares and deposits divided by members.

Liquidity

Key	Metric	Unit	Definition
`investmentsToAssets`	Investments to assets	percent	Investment securities divided by total assets.
`cashToAssets`	Cash to assets	percent	Cash and other deposits divided by total assets.
`borrowingsToAssets`	Borrowings to assets	percent	Total borrowings divided by total assets.

Operations

Key	Metric	Unit	Definition
`membersPerEmployee`	Members per employee	count	Members divided by full-time-equivalent employees (full-time plus half of part-time, as NCUA counts them).
`assetsPerEmployee`	Assets per employee	dollars	Total assets divided by full-time-equivalent employees.
`membersPerBranch`	Members per branch	count	Members divided by branches.
`penetration`	Field of membership reached	percent	Members divided by the potential members the credit union estimates on its call report.

Loan rates on the call report

Key	Metric	Unit	Definition
`rateNewAuto`	New auto loan rate	percent, lower is better	Interest rate the credit union reported for new vehicle loans on its call report.
`rateUsedAuto`	Used auto loan rate	percent, lower is better	Interest rate reported for used vehicle loans.
`rateCard`	Credit card rate	percent, lower is better	Interest rate reported for unsecured credit card loans.
`rateUnsecured`	Personal loan rate	percent, lower is better	Interest rate reported for other unsecured loans and lines of credit.
`rateMortgage`	First mortgage rate	percent, lower is better	Interest rate reported for 1-4 family first-lien loans and lines.
`rateHeloc`	Home equity rate	percent, lower is better	Interest rate reported for 1-4 family junior-lien loans and lines.

License and attribution

The underlying figures are NCUA data, a work of the US government. This site's compilation and ratios are offered under Creative Commons Attribution 4.0: use them for anything, including commercial work, if you credit "Credit Union Ledger, creditunions.online" with a link. These terms are a draft and may change. The data comes with no warranty: it is each credit union's own filing as NCUA published it, and NCUA revises some figures after posting. It is not a safety rating or financial advice, and Credit Union Ledger is not affiliated with NCUA or any credit union. See the methodology. Questions or heavy use: hello@creditunions.online.