@pipeworx/ncua

Connect: https://gateway.pipeworx.io/ncua/mcp · Install: one-click buttons

Tools: 8

Financials, membership, branches and ATMs for every federally insured US credit union — 4,336 institutions, five years of quarterly filings, from the regulator’s own 5300 Call Report.

Why this exists alongside fdic

They cover disjoint halves of US retail banking, and neither can answer for the other. Credit unions are insured by the NCUSIF, not the FDIC, so they are absent from FDIC data by definition — not missing, not incomplete, structurally not there. “How big is my bank” and “how big is my credit union” are two different lookups.

banking-regulations is a third thing again: that pack serves NCUA’s rules (12 CFR 700–799). This one serves the institutions.

Tools

Auth

Keyless.

The account dictionary is the product

The 5300 Call Report stores every figure against an opaque code, and the meaning lives in a separate file:

FS220.txt : CU_NUMBER, CYCLE_DATE, ACCT_010, ACCT_083, ...
            1,         3/31/2026,  13376472, 7678,     ...

AcctDesc  : ACCT_010 -> "TOTAL ASSETS"
            ACCT_083 -> "Number of current members (not number of accounts)"

ACCT_010: 13376472 is not an answer. Every tool that returns a value joins the dictionary and returns the label with it, and ncua_account_lookup resolves any code — including the 3,179 we mirror the definition of but hold no values for.

What is mirrored, and what is not

We store the 197 accounts NCUA itself flags as its Financial Performance Report, which is NCUA’s curation rather than ours. That is ~165k non-zero values a quarter; the full 3,376 would be 1.33M a quarter, eight times the storage for a long tail nobody has asked for.

The complete dictionary is mirrored regardless, so an account we hold no values for is still explainable rather than unknown — ncua_account_lookup returns mirrored_values: false for those.

Why this is a mirror

NCUA publishes no API. ncua.gov/api/* returns 404, and mapping.ncua.gov (the Credit Union Locator) is an Angular app that serves the same HTML for every path — it is a client-side UI, not an endpoint. The only machine-readable form is the quarterly bulk archive, ~7.7 MB compressed across 26 files.

Ingest: workers/data-pipeline/src/datasets/ncua.ts (scheduled) and scripts/ingest-ncua.mjs (backfill and one-off repair). Schema: supabase/migrations/071_ncua.sql.

Data sources

• https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data — the quarterly archive index.
• https://ncua.gov/files/publications/analysis/call-report-data-YYYY-MM.zip — one release.

Things the next person would otherwise rediscover

• Three URL conventions for the same file. call-report-data-2016-03.zip (current), Call-Report-Data-2015-06.zip (capitalised), and older QCR201406.zip under /files/publications/data-apps/. A resolver that knows only the current one silently starts history in 2016.
• ~56-day publication lag. The 2026-03-31 cycle was stamped 2026-05-26. The current calendar quarter is normally not the newest data. The freshness SLA is 200 days for this reason; anything tighter false-fails every cycle.
• Not every account code starts with ACCT_. NCUA’s diversity fields are BOARDBLACKAMERICAN, CURMEMHISPANICAMERICAN, FOMMINORITYSTATUS. Filtering columns on /^ACCT_/ looks harmless and silently drops all 15 of them — the whole minority-depository dataset.
• The data is 91% sparse, and the zeros are real. FS220K.txt is entirely zero in some quarters. That is what the source says; do not coerce it to null.
• A missing credit union merged or liquidated. The count falls every quarter (5,136 in 2021 → 4,336 now). An empty result for a charter is not a bad charter number.
• CU_NUMBER is NCUA’s charter number, not RSSD. Both are carried; RSSD is the join key to Fed/FFIEC data.
• net_income (ACCT_602) is reported by fewer than half of credit unions — NCUA requires it only when the amount is not already inside Undivided Earnings. A null there is a filing rule, not zero income, and the response says so.
• No coordinates. NCUA publishes branch addresses without lat/lon, so location search is a text match on city/state/ZIP. Do not promise “near me”.

Tools

• ncua_search_credit_unions — Find US credit unions by name, city or state, using NCUA call report data (the federal regulator of credit unions). Returns charter number, name, city, state, year opened and total assets. Answers “cr
• ncua_credit_union_profile — Get a full profile for one US credit union from its NCUA call report: total assets, member count, loans, shares/deposits, net income and delinquent loans, plus charter details (state, year opened, pee
• ncua_credit_union_financials — Get one US credit union’s reported call report figures over time, or every figure for a single quarter — labeled, never as raw account codes. Use for trends: “how have Navy Federal’s assets grown”, “P
• ncua_rank_credit_unions — Rank US credit unions by a call report figure — largest by assets, most members, biggest loan book — optionally within one state. Answers “largest credit unions in the US”, “biggest credit union in Oh
• ncua_compare_credit_unions — Compare two or more US credit unions side by side on their NCUA call report figures — assets, members, loans, shares, net income, delinquency. Answers “Navy Federal vs PenFed”, “compare BECU and Schoo
• ncua_account_lookup — Look up what an NCUA call report account code means, or find the code for a figure. The 5300 Call Report stores everything against codes like ACCT_010 or ACCT_083, and this returns the official name a
• ncua_branches — Find US credit union branch and ATM locations from NCUA records — by credit union, or by city/state/ZIP. Returns address, phone, hours, and whether the site has an ATM or drive-thru. Answers “Navy Fed
• ncua_industry_totals — Aggregate totals across the whole US credit union industry, or one state, from NCUA call report data: number of credit unions, combined assets, total members, average size. Answers “how many credit un