NCUA credit union data

Time series of one ratio or reported field for FDIC-insured banks, 2018-03 to 2026-06. Give cert (the FDIC certificate number) for one bank. Otherwise it aggregates all domestic insured banks matching the optional state (2-letter code) / size_band (1-5: under $100M, $100M-$500M, $500M-$1B, $1B-$10B, $10B+, by quarter-end assets) / min_assets filters: aggregate='median' (default for ratios), 'mean', 'sum' (default for dollar fields), 'pooled' (the system-wide version of a ratio: total numerators over total denominators), or 'count'. group_by='size_band' or 'state' returns one row per group (defaults to the latest quarter). All income and expense fields are year to date as reported and reset each January; assets, deposits and loans are quarter-end balances. Ratios are fractions (0.62 = 62%). Per-bank rows carry the merger_event flag; year-to-date ratios in a merger quarter span both institutions. For credit unions use metric_series. Fields: efficiency_ratio (noninterest expense over net interest income plus noninterest income), roa_ytd, net_interest_margin_ytd, noninterest_income_share (noninterest income over net interest income plus noninterest income); assets, deposits, loans, net_income_ytd, interest_income_ytd, interest_expense_ytd, net_interest_income_ytd, noninterest_income_ytd, noninterest_expense_ytd; employees_fte_reported (reported bank FTE from FDIC NUMEMP, not headcount).

One bank against its peers in a quarter (default latest): value, peer median, quartiles and percentile rank for efficiency_ratio, roa_ytd, net_interest_margin_ytd and noninterest_income_share. Percentile rank is the share of peers at or below the bank's value; for efficiency_ratio lower is better. Give the FDIC certificate number (find_bank looks it up by name). peer_basis: 'size_band' (default; bands by quarter-end assets: 1 = under $100M, 2 = $100M-$500M, 3 = $500M-$1B, 4 = $1B-$10B, 5 = $10B+), 'state' (same-state banks), or 'size_band_and_state'. Ratios are fractions on year-to-date flows (roa_ytd and net_interest_margin_ytd annualized over average assets, re-basing each January). For credit unions use peer_compare.

Single-quarter income for one FDIC-insured bank, 2018-03 to 2026-06: the official quarterly net income as published by the FDIC, plus the naive year-to-date difference with a flag where the two disagree (for example merger pushdown accounting). Give the FDIC cert number and either one quarter (default latest) or a start-end range; merger events are attached when recorded. Industry totals reconstructed from these institution values match the FDIC Quarterly Banking Profile in 106 of 136 quarter-metric checks; the 30 exceptions sit in 8 quarters between 2020-06 and 2023-09 (all Q2 or Q4 except 2023-09) and every row in those quarters carries the label does_not_reconcile_to_qbp with the exact industry residual per metric. Nothing is forced to balance. One bank per call; no rankings. For credit unions use cu_quarter_income.

Profile of one credit union for one quarter (default latest): attributes, size, and every computed metric with its plain-language definition available through list_fields. Returns null values where NCUA data has none.

Single-quarter income for one credit union: net income, interest income, interest expense, noninterest income and noninterest expense per quarter (dollars), 2018-03 to the latest quarter. Give cu_number and either one quarter (default latest) or a start-end range. Derived by this project from consecutive year-to-date 5300 call reports (Q1 equals the reported year-to-date). Every row carries a continuity_status checked against NCUA's certified merger and conversion history: rows starting 'verified' are plain values; 'event_contaminated' rows span a merger, purchase-and-assumption or conversion and carry the event date, type and counterpart institution; 'unverified_no_adjacent_prior' rows return null values with the reason. One credit union per call; no rankings or trailing totals here. Use find_credit_union to look up a cu_number.

Find FDIC-insured banks by name, state or city, in a given quarter (default: latest). Name matching ignores case and punctuation and drops the words 'national association', 'bank', 'the' and 'N.A.', so 'JPMorgan' finds JPMORGAN CHASE BANK, NATIONAL ASSOCIATION; partial names work. Results are ranked: match = exact, starts_with, contains, then larger assets first. Each row has 'ambiguous': true when several different banks fit the name; in that case ask the user which one (use city and state to tell them apart) rather than picking the first. A bank that merged or closed before the quarter does not appear in it; when nothing matches the quarter, the search falls back to history and returns rows with match = former_or_closed and the bank's last reported quarter. If nothing matches at all, one row with 'no_match' explains why. Returns cert, name, city, state, total assets. Use the returned cert in bank_quarter_income, bank_metric_series and bank_peer_compare. Domestic FDIC-insured filers, 2018-03 to 2026-06.

Find credit unions by name, state, charter type (federal/state) or asset peer group, in a given quarter (default: latest). Name matching ignores case, punctuation and the words 'federal credit union' / 'FCU', so 'SRP Federal Credit Union' finds 'SRP'; partial names work. It also matches former names (a credit union that was renamed shows up under the old name, match = former_name, with its current name) and a few brand names (BECU, PenFed, SECU). Results are ranked: match = exact, starts_with, contains, former_name, then larger assets first. Each row has 'ambiguous': true when several different credit unions fit the name. In that case ask the user which one they mean (use city and state to tell them apart) rather than picking the first. If nothing matches, the result is one row with 'no_match' explaining why (for example the credit union merged or closed, with its last reported quarter). Returns cu_number, name, location, total assets, members. Use the returned cu_number in the other tools. Only federally insured credit unions.

Dictionary of available bank fields, source, units and employee definitions. Bank fields are separate from the NCUA list_fields dictionary.

List available fields with plain-language definitions from the data dictionary. Filter by table ('metrics' = computed ratios, 'fact_call_report_curated' = reported amounts, 'dim_credit_union' = attributes), by search text, or both. Fields marked basis=year_to_date reset each January; metric_series can de-cumulate them. Computed metrics available: asset_growth_yoy (Total assets versus the same quarter one year earlier); loan_growth_yoy (Total loans versus the same quarter one year earlier); share_growth_yoy (Total shares and deposits versus one year earlier); member_growth_yoy (Members versus one year earlier); auto_loan_growth_yoy (New plus used vehicle loans versus one year earlier); first_lien_growth_yoy (First-lien 1-4 family loans versus one year earlier); loan_to_share (Loans divided by total shares and deposits); loans_to_assets (Loans divided by total assets); net_worth_to_assets (Net worth divided by total assets (1.0 = 100%)); allowance_to_loans (Allowance for credit losses divided by total loans); net_worth_ratio_ex_cecl (Net worth minus the CECL transition provision, over assets); deposit_mix_share_drafts (Share draft (checking) accounts as a share of total shares and deposits); deposit_mix_regular (Regular shares as a share of total shares and deposits); deposit_mix_money_market (Money market shares as a share of total shares and deposits); deposit_mix_certificates (Share certificates as a share of total shares and deposits); deposit_mix_ira_keogh (IRA and Keogh accounts as a share of total shares and deposits); deposit_mix_non_member (Non-member deposits as a share of total shares and deposits); avg_balance_per_listed_account (Total shares and deposits over the count of share draft, certificate, money market, IRA a…); employees_fte_estimate (Full-time employees plus half of part-time employees); members_per_fte (Members per estimated full-time-equivalent employee); assets_per_fte (Assets per estimated full-time-equivalent employee); compensation_per_fte (Annualized employee compensation and benefits per estimated FTE); operating_expense_per_fte (Annualized non-interest expense per estimated FTE); assets_per_branch (Assets per branch); members_per_branch (Members per branch); compensation_share_of_opex (Employee compensation and benefits as a share of non-interest expense); loans_per_member (Average loan dollars per member); shares_per_member (Average shares and deposits per member); mix_auto (New plus used vehicle loans as a share of total loans); mix_residential_real_estate (First lien, junior lien and other real estate loans as a share of total loans); mix_credit_card (Credit card loans as a share of total loans); mix_commercial (Commercial loans as a share of total loans); delinquency_rate (Loans delinquent two or more months divided by total loans); auto_delinquency_rate (Reportable delinquent vehicle loans divided by vehicle loans); credit_card_delinquency_rate (Delinquent credit card loans divided by credit card loans); net_chargeoff_rate ((Charge-offs minus recoveries), annualized from year to date, over year-end loans); net_chargeoff_rate_avg_loans_4q (Net charge-offs annualized from year to date, over the average of the last four quarter-e…); provision_to_loans (Provision (credit loss expense) annualized over year-end loans); roa_year_end_assets (Return on assets: net income annualized from year to date, over year-end assets); roa_avg_assets_4q (Return on assets: net income annualized from year to date, over the average of the last f…); nim_year_end_assets (Net interest margin: (interest income minus interest expense) annualized from year to dat…); nim_avg_assets_4q (Net interest margin (NIM): same, over the four-quarter average of assets); loan_yield (Yield on loans: interest on loans annualized from year to date, over year-end loans); cost_of_shares (Cost of shares: total interest expense annualized from year to date, over shares and depo…); efficiency_ratio (Non-interest expense divided by (net interest income plus non-interest income)); opex_to_assets (Non-interest expense annualized over assets); fee_share_of_non_interest_income (Fee income divided by non-interest income); net_income_quarter (Net income for the single quarter (year-to-date minus prior quarter)); interest_income_quarter (Interest income for the single quarter); interest_expense_quarter (Interest expense for the single quarter); non_interest_expense_quarter (Non-interest expense for the single quarter); provision_quarter (Provision for loan losses for the single quarter); roa_ncua_ytd (Return on average assets on NCUA's basis: year-to-date net income annualized, over the av…); nim_ncua_ytd (Net interest margin (NIM) on NCUA's basis: (interest income minus interest expense) annua…); loan_yield_ncua_ytd (Yield on loans on NCUA's basis: interest on loans annualized from year to date, over the …); cost_of_funds_ncua_ytd (Cost of funds on NCUA's basis: total interest expense annualized from year to date, over …); net_chargeoff_rate_ncua_ytd (Net charge-off rate on NCUA's basis: (charge-offs minus recoveries) annualized from year …); roa_quarterly (Return on assets for the single quarter: the quarter's net income times 4, over the avera…); nim_quarterly (Net interest margin (NIM) for the single quarter: (interest income minus expense) for the…); loan_yield_quarterly (Yield on loans for the single quarter: the quarter's interest on loans times 4, over the …); cost_of_funds_quarterly (Cost of funds for the single quarter: the quarter's interest expense times 4, over the av…); net_chargeoff_rate_quarterly (Net charge-off rate for the single quarter: the quarter's (charge-offs minus recoveries) …); interest_on_loans_quarter (Interest on loans for the single quarter (year-to-date minus prior quarter)); net_chargeoffs_quarter (Charge-offs minus recoveries for the single quarter)

Time series of one metric or reported field. Give cu_number for one credit union. Otherwise it aggregates all federally insured credit unions matching the optional state (2-letter code) / peer_group (1-6) / min_assets filters: aggregate='median' (default for ratios), 'mean', 'sum' (default for dollar and count fields; not allowed on ratios), 'count' (how many credit unions report the field), 'ratio_of_sums' (sum of field / sum of the denominator field, e.g. shares_certificates over total_shares_and_deposits), or 'pooled' (the system-wide version of a ratio metric: total numerators over total denominators, not a median of credit unions; available for efficiency_ratio, delinquency_rate, loan_to_share, loans_to_assets, net_worth_to_assets, net_worth_ratio_ex_cecl, allowance_to_loans, mix_auto, net_chargeoff_rate, roa_year_end_assets, nim_year_end_assets, loan_yield, cost_of_shares, opex_to_assets, the NCUA-basis ratios (roa_ncua_ytd, nim_ncua_ytd, loan_yield_ncua_ytd, cost_of_funds_ncua_ytd, net_chargeoff_rate_ncua_ytd; pooled values reproduce NCUA's published ROA, NIM and net charge-off ratio), the single-quarter ratios (roa_quarterly and the like) and the growth metrics asset/loan/share/member_growth_yoy, which compare the same credit unions a year apart). Median and mean treat every credit union equally, tiny ones included. Year-to-date fields (basis year_to_date in list_fields: income, expenses, charge-offs, loans granted) are returned per quarter by default (quarterly=true: this quarter minus the prior quarter of the same year); quarterly=false returns the raw year-to-date figure, which resets each January. Each row carries basis (and unit for percent-x100 fields); rows with no data explain why. group_by='peer_group' or 'state' returns one row per group (defaults to the latest quarter). Series that cross the 2023 CECL accounting change carry a break_note. Range in quarters like 2021-12; the data runs 2018-03 to the latest quarter. Metrics: asset_growth_yoy (Total assets versus the same quarter one year earlier); loan_growth_yoy (Total loans versus the same quarter one year earlier); share_growth_yoy (Total shares and deposits versus one year earlier); member_growth_yoy (Members versus one year earlier); auto_loan_growth_yoy (New plus used vehicle loans versus one year earlier); first_lien_growth_yoy (First-lien 1-4 family loans versus one year earlier); loan_to_share (Loans divided by total shares and deposits); loans_to_assets (Loans divided by total assets); net_worth_to_assets (Net worth divided by total assets (1.0 = 100%)); allowance_to_loans (Allowance for credit losses divided by total loans); net_worth_ratio_ex_cecl (Net worth minus the CECL transition provision, over assets); deposit_mix_share_drafts (Share draft (checking) accounts as a share of total shares and deposits); deposit_mix_regular (Regular shares as a share of total shares and deposits); deposit_mix_money_market (Money market shares as a share of total shares and deposits); deposit_mix_certificates (Share certificates as a share of total shares and deposits); deposit_mix_ira_keogh (IRA and Keogh accounts as a share of total shares and deposits); deposit_mix_non_member (Non-member deposits as a share of total shares and deposits); avg_balance_per_listed_account (Total shares and deposits over the count of share draft, certificate, money market, IRA a…); employees_fte_estimate (Full-time employees plus half of part-time employees); members_per_fte (Members per estimated full-time-equivalent employee); assets_per_fte (Assets per estimated full-time-equivalent employee); compensation_per_fte (Annualized employee compensation and benefits per estimated FTE); operating_expense_per_fte (Annualized non-interest expense per estimated FTE); assets_per_branch (Assets per branch); members_per_branch (Members per branch); compensation_share_of_opex (Employee compensation and benefits as a share of non-interest expense); loans_per_member (Average loan dollars per member); shares_per_member (Average shares and deposits per member); mix_auto (New plus used vehicle loans as a share of total loans); mix_residential_real_estate (First lien, junior lien and other real estate loans as a share of total loans); mix_credit_card (Credit card loans as a share of total loans); mix_commercial (Commercial loans as a share of total loans); delinquency_rate (Loans delinquent two or more months divided by total loans); auto_delinquency_rate (Reportable delinquent vehicle loans divided by vehicle loans); credit_card_delinquency_rate (Delinquent credit card loans divided by credit card loans); net_chargeoff_rate ((Charge-offs minus recoveries), annualized from year to date, over year-end loans); net_chargeoff_rate_avg_loans_4q (Net charge-offs annualized from year to date, over the average of the last four quarter-e…); provision_to_loans (Provision (credit loss expense) annualized over year-end loans); roa_year_end_assets (Return on assets: net income annualized from year to date, over year-end assets); roa_avg_assets_4q (Return on assets: net income annualized from year to date, over the average of the last f…); nim_year_end_assets (Net interest margin: (interest income minus interest expense) annualized from year to dat…); nim_avg_assets_4q (Net interest margin (NIM): same, over the four-quarter average of assets); loan_yield (Yield on loans: interest on loans annualized from year to date, over year-end loans); cost_of_shares (Cost of shares: total interest expense annualized from year to date, over shares and depo…); efficiency_ratio (Non-interest expense divided by (net interest income plus non-interest income)); opex_to_assets (Non-interest expense annualized over assets); fee_share_of_non_interest_income (Fee income divided by non-interest income); net_income_quarter (Net income for the single quarter (year-to-date minus prior quarter)); interest_income_quarter (Interest income for the single quarter); interest_expense_quarter (Interest expense for the single quarter); non_interest_expense_quarter (Non-interest expense for the single quarter); provision_quarter (Provision for loan losses for the single quarter); roa_ncua_ytd (Return on average assets on NCUA's basis: year-to-date net income annualized, over the av…); nim_ncua_ytd (Net interest margin (NIM) on NCUA's basis: (interest income minus interest expense) annua…); loan_yield_ncua_ytd (Yield on loans on NCUA's basis: interest on loans annualized from year to date, over the …); cost_of_funds_ncua_ytd (Cost of funds on NCUA's basis: total interest expense annualized from year to date, over …); net_chargeoff_rate_ncua_ytd (Net charge-off rate on NCUA's basis: (charge-offs minus recoveries) annualized from year …); roa_quarterly (Return on assets for the single quarter: the quarter's net income times 4, over the avera…); nim_quarterly (Net interest margin (NIM) for the single quarter: (interest income minus expense) for the…); loan_yield_quarterly (Yield on loans for the single quarter: the quarter's interest on loans times 4, over the …); cost_of_funds_quarterly (Cost of funds for the single quarter: the quarter's interest expense times 4, over the av…); net_chargeoff_rate_quarterly (Net charge-off rate for the single quarter: the quarter's (charge-offs minus recoveries) …); interest_on_loans_quarter (Interest on loans for the single quarter (year-to-date minus prior quarter)); net_chargeoffs_quarter (Charge-offs minus recoveries for the single quarter)

Compare one credit union with its peers on chosen metrics or fields (default: a standard set). peer_basis: 'peer_group' (same asset-size group, default), 'state', 'charter_type', or 'peer_group_and_state'. Returns the credit union's value, peer median, 25th/75th percentiles, percentile rank (0-100, higher = larger value) and peer count, for the quarter (default latest). Metrics: asset_growth_yoy (Total assets versus the same quarter one year earlier); loan_growth_yoy (Total loans versus the same quarter one year earlier); share_growth_yoy (Total shares and deposits versus one year earlier); member_growth_yoy (Members versus one year earlier); auto_loan_growth_yoy (New plus used vehicle loans versus one year earlier); first_lien_growth_yoy (First-lien 1-4 family loans versus one year earlier); loan_to_share (Loans divided by total shares and deposits); loans_to_assets (Loans divided by total assets); net_worth_to_assets (Net worth divided by total assets (1.0 = 100%)); allowance_to_loans (Allowance for credit losses divided by total loans); net_worth_ratio_ex_cecl (Net worth minus the CECL transition provision, over assets); deposit_mix_share_drafts (Share draft (checking) accounts as a share of total shares and deposits); deposit_mix_regular (Regular shares as a share of total shares and deposits); deposit_mix_money_market (Money market shares as a share of total shares and deposits); deposit_mix_certificates (Share certificates as a share of total shares and deposits); deposit_mix_ira_keogh (IRA and Keogh accounts as a share of total shares and deposits); deposit_mix_non_member (Non-member deposits as a share of total shares and deposits); avg_balance_per_listed_account (Total shares and deposits over the count of share draft, certificate, money market, IRA a…); employees_fte_estimate (Full-time employees plus half of part-time employees); members_per_fte (Members per estimated full-time-equivalent employee); assets_per_fte (Assets per estimated full-time-equivalent employee); compensation_per_fte (Annualized employee compensation and benefits per estimated FTE); operating_expense_per_fte (Annualized non-interest expense per estimated FTE); assets_per_branch (Assets per branch); members_per_branch (Members per branch); compensation_share_of_opex (Employee compensation and benefits as a share of non-interest expense); loans_per_member (Average loan dollars per member); shares_per_member (Average shares and deposits per member); mix_auto (New plus used vehicle loans as a share of total loans); mix_residential_real_estate (First lien, junior lien and other real estate loans as a share of total loans); mix_credit_card (Credit card loans as a share of total loans); mix_commercial (Commercial loans as a share of total loans); delinquency_rate (Loans delinquent two or more months divided by total loans); auto_delinquency_rate (Reportable delinquent vehicle loans divided by vehicle loans); credit_card_delinquency_rate (Delinquent credit card loans divided by credit card loans); net_chargeoff_rate ((Charge-offs minus recoveries), annualized from year to date, over year-end loans); net_chargeoff_rate_avg_loans_4q (Net charge-offs annualized from year to date, over the average of the last four quarter-e…); provision_to_loans (Provision (credit loss expense) annualized over year-end loans); roa_year_end_assets (Return on assets: net income annualized from year to date, over year-end assets); roa_avg_assets_4q (Return on assets: net income annualized from year to date, over the average of the last f…); nim_year_end_assets (Net interest margin: (interest income minus interest expense) annualized from year to dat…); nim_avg_assets_4q (Net interest margin (NIM): same, over the four-quarter average of assets); loan_yield (Yield on loans: interest on loans annualized from year to date, over year-end loans); cost_of_shares (Cost of shares: total interest expense annualized from year to date, over shares and depo…); efficiency_ratio (Non-interest expense divided by (net interest income plus non-interest income)); opex_to_assets (Non-interest expense annualized over assets); fee_share_of_non_interest_income (Fee income divided by non-interest income); net_income_quarter (Net income for the single quarter (year-to-date minus prior quarter)); interest_income_quarter (Interest income for the single quarter); interest_expense_quarter (Interest expense for the single quarter); non_interest_expense_quarter (Non-interest expense for the single quarter); provision_quarter (Provision for loan losses for the single quarter); roa_ncua_ytd (Return on average assets on NCUA's basis: year-to-date net income annualized, over the av…); nim_ncua_ytd (Net interest margin (NIM) on NCUA's basis: (interest income minus interest expense) annua…); loan_yield_ncua_ytd (Yield on loans on NCUA's basis: interest on loans annualized from year to date, over the …); cost_of_funds_ncua_ytd (Cost of funds on NCUA's basis: total interest expense annualized from year to date, over …); net_chargeoff_rate_ncua_ytd (Net charge-off rate on NCUA's basis: (charge-offs minus recoveries) annualized from year …); roa_quarterly (Return on assets for the single quarter: the quarter's net income times 4, over the avera…); nim_quarterly (Net interest margin (NIM) for the single quarter: (interest income minus expense) for the…); loan_yield_quarterly (Yield on loans for the single quarter: the quarter's interest on loans times 4, over the …); cost_of_funds_quarterly (Cost of funds for the single quarter: the quarter's interest expense times 4, over the av…); net_chargeoff_rate_quarterly (Net charge-off rate for the single quarter: the quarter's (charge-offs minus recoveries) …); interest_on_loans_quarter (Interest on loans for the single quarter (year-to-date minus prior quarter)); net_chargeoffs_quarter (Charge-offs minus recoveries for the single quarter)

Constrained table query, one quarter at a time (default latest), federally insured credit unions only. Pick fields to return, optional filters as [{'field':..., 'op': one of = != > >= < <= in contains, 'value':...}], an order_by field and limit (1 to 200). If more rows match than the limit, the last row is {'truncated': true, ...}. No raw SQL. When order_by is set, credit unions under $10M in assets are left out by default, because tiny credit unions produce extreme ratios (a $1M credit union can show a 34% ROA); rows carry assets_floor_applied. Set min_assets (0 to include everyone) to change it. Year-to-date fields (basis year_to_date in list_fields) are cumulative since January; use the *_quarter metrics for single quarters. Ratios are fractions (0.05 = 5%). Example: top 10 by members_per_fte in peer_group 5. Results over limit end with a truncated row giving total_matching and next_offset; pass offset to page. Field names come from list_fields. Metrics: asset_growth_yoy (Total assets versus the same quarter one year earlier); loan_growth_yoy (Total loans versus the same quarter one year earlier); share_growth_yoy (Total shares and deposits versus one year earlier); member_growth_yoy (Members versus one year earlier); auto_loan_growth_yoy (New plus used vehicle loans versus one year earlier); first_lien_growth_yoy (First-lien 1-4 family loans versus one year earlier); loan_to_share (Loans divided by total shares and deposits); loans_to_assets (Loans divided by total assets); net_worth_to_assets (Net worth divided by total assets (1.0 = 100%)); allowance_to_loans (Allowance for credit losses divided by total loans); net_worth_ratio_ex_cecl (Net worth minus the CECL transition provision, over assets); deposit_mix_share_drafts (Share draft (checking) accounts as a share of total shares and deposits); deposit_mix_regular (Regular shares as a share of total shares and deposits); deposit_mix_money_market (Money market shares as a share of total shares and deposits); deposit_mix_certificates (Share certificates as a share of total shares and deposits); deposit_mix_ira_keogh (IRA and Keogh accounts as a share of total shares and deposits); deposit_mix_non_member (Non-member deposits as a share of total shares and deposits); avg_balance_per_listed_account (Total shares and deposits over the count of share draft, certificate, money market, IRA a…); employees_fte_estimate (Full-time employees plus half of part-time employees); members_per_fte (Members per estimated full-time-equivalent employee); assets_per_fte (Assets per estimated full-time-equivalent employee); compensation_per_fte (Annualized employee compensation and benefits per estimated FTE); operating_expense_per_fte (Annualized non-interest expense per estimated FTE); assets_per_branch (Assets per branch); members_per_branch (Members per branch); compensation_share_of_opex (Employee compensation and benefits as a share of non-interest expense); loans_per_member (Average loan dollars per member); shares_per_member (Average shares and deposits per member); mix_auto (New plus used vehicle loans as a share of total loans); mix_residential_real_estate (First lien, junior lien and other real estate loans as a share of total loans); mix_credit_card (Credit card loans as a share of total loans); mix_commercial (Commercial loans as a share of total loans); delinquency_rate (Loans delinquent two or more months divided by total loans); auto_delinquency_rate (Reportable delinquent vehicle loans divided by vehicle loans); credit_card_delinquency_rate (Delinquent credit card loans divided by credit card loans); net_chargeoff_rate ((Charge-offs minus recoveries), annualized from year to date, over year-end loans); net_chargeoff_rate_avg_loans_4q (Net charge-offs annualized from year to date, over the average of the last four quarter-e…); provision_to_loans (Provision (credit loss expense) annualized over year-end loans); roa_year_end_assets (Return on assets: net income annualized from year to date, over year-end assets); roa_avg_assets_4q (Return on assets: net income annualized from year to date, over the average of the last f…); nim_year_end_assets (Net interest margin: (interest income minus interest expense) annualized from year to dat…); nim_avg_assets_4q (Net interest margin (NIM): same, over the four-quarter average of assets); loan_yield (Yield on loans: interest on loans annualized from year to date, over year-end loans); cost_of_shares (Cost of shares: total interest expense annualized from year to date, over shares and depo…); efficiency_ratio (Non-interest expense divided by (net interest income plus non-interest income)); opex_to_assets (Non-interest expense annualized over assets); fee_share_of_non_interest_income (Fee income divided by non-interest income); net_income_quarter (Net income for the single quarter (year-to-date minus prior quarter)); interest_income_quarter (Interest income for the single quarter); interest_expense_quarter (Interest expense for the single quarter); non_interest_expense_quarter (Non-interest expense for the single quarter); provision_quarter (Provision for loan losses for the single quarter); roa_ncua_ytd (Return on average assets on NCUA's basis: year-to-date net income annualized, over the av…); nim_ncua_ytd (Net interest margin (NIM) on NCUA's basis: (interest income minus interest expense) annua…); loan_yield_ncua_ytd (Yield on loans on NCUA's basis: interest on loans annualized from year to date, over the …); cost_of_funds_ncua_ytd (Cost of funds on NCUA's basis: total interest expense annualized from year to date, over …); net_chargeoff_rate_ncua_ytd (Net charge-off rate on NCUA's basis: (charge-offs minus recoveries) annualized from year …); roa_quarterly (Return on assets for the single quarter: the quarter's net income times 4, over the avera…); nim_quarterly (Net interest margin (NIM) for the single quarter: (interest income minus expense) for the…); loan_yield_quarterly (Yield on loans for the single quarter: the quarter's interest on loans times 4, over the …); cost_of_funds_quarterly (Cost of funds for the single quarter: the quarter's interest expense times 4, over the av…); net_chargeoff_rate_quarterly (Net charge-off rate for the single quarter: the quarter's (charge-offs minus recoveries) …); interest_on_loans_quarter (Interest on loans for the single quarter (year-to-date minus prior quarter)); net_chargeoffs_quarter (Charge-offs minus recoveries for the single quarter)

Revenue per employee/FTE with explicit inputs, same-quarter state ranking across banks and/or credit unions. sector='both', 'bank' or 'credit_union'. revenue_basis='net' (after interest expense, default) or 'gross'. Annualized year-to-date run rate, not actual full-year revenue. State filters headquarters. Banks use reported FTE; CUs estimated full-time + half part-time, not identical definitions. Invalid denominators and known reporting-perimeter breaks excluded from ranks and counted. Optional cu_number/cert selects that institution but keeps full peer rank. No raw SQL.