best_credit_unions

The best credit unions in a state (including those headquartered elsewhere with offices there) or nationally, scored only from NCUA call-report data: deposit dividends, loan rates, fees, strength and member growth, each a percentile against same-size peers. Use for "best credit union in <state>" questions.

read-only

Argument	Type	Description
limit	integer
state	string	Two-letter code or state name; omit for the national list.
broad_only	boolean	Only credit unions with 100,000+ potential members or open to anyone (ones most people can join).
open_to_anyone	boolean	Only credit unions anyone in the US can join.

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "limit": {
      "type": "integer",
      "default": 10,
      "maximum": 50,
      "minimum": 1
    },
    "state": {
      "type": "string",
      "maxLength": 40,
      "minLength": 2,
      "description": "Two-letter code or state name; omit for the national list."
    },
    "broad_only": {
      "type": "boolean",
      "default": true,
      "description": "Only credit unions with 100,000+ potential members or open to anyone (ones most people can join)."
    },
    "open_to_anyone": {
      "type": "boolean",
      "default": false,
      "description": "Only credit unions anyone in the US can join."
    }
  },
  "additionalProperties": false
}

compare_credit_unions

Side-by-side comparison of 2 to 6 credit unions on chosen metrics (default: size, growth, capital, earnings, loan quality, fees and loan rates).

read-only

Argument	Type	Description
metrics	array	Metric keys from list_metrics. Optional.
charters*	array	NCUA charter numbers or names.

Input schema (JSON)

{
  "type": "object",
  "required": [
    "charters"
  ],
  "properties": {
    "metrics": {
      "type": "array",
      "items": {
        "type": "string",
        "maxLength": 60,
        "minLength": 1
      },
      "maxItems": 30,
      "description": "Metric keys from list_metrics. Optional."
    },
    "charters": {
      "type": "array",
      "items": {
        "type": "string",
        "maxLength": 200,
        "minLength": 1
      },
      "maxItems": 6,
      "minItems": 2,
      "description": "NCUA charter numbers or names."
    }
  },
  "additionalProperties": false
}

find_offices

Credit union branch offices in a city, ZIP code or county (or every office of one credit union in a state), from NCUA's branch file: address, phone, hours, drive-through and ATM. Use for "credit unions near <place>" questions.

read-only

Argument	Type	Description
zip	string	Five-digit ZIP code.
city	string	City name, e.g. "Houston".
limit	integer
state*	string	Two-letter code or state name (required).
county	string	County name without "County".
charter_or_name	string	Limit to one credit union (charter number or name).

Input schema (JSON)

{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "zip": {
      "type": "string",
      "pattern": "^[0-9]{5}$",
      "description": "Five-digit ZIP code."
    },
    "city": {
      "type": "string",
      "maxLength": 60,
      "minLength": 1,
      "description": "City name, e.g. \"Houston\"."
    },
    "limit": {
      "type": "integer",
      "default": 25,
      "maximum": 100,
      "minimum": 1
    },
    "state": {
      "type": "string",
      "maxLength": 40,
      "minLength": 2,
      "description": "Two-letter code or state name (required)."
    },
    "county": {
      "type": "string",
      "maxLength": 60,
      "minLength": 1,
      "description": "County name without \"County\"."
    },
    "charter_or_name": {
      "type": "string",
      "maxLength": 200,
      "minLength": 1,
      "description": "Limit to one credit union (charter number or name)."
    }
  },
  "additionalProperties": false
}

get_credit_union

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.

read-only

Argument	Type	Description
charter_or_name*	string	NCUA charter number (best) or a name; a name resolves to the largest match.

Input schema (JSON)

{
  "type": "object",
  "required": [
    "charter_or_name"
  ],
  "properties": {
    "charter_or_name": {
      "type": "string",
      "maxLength": 200,
      "minLength": 1,
      "description": "NCUA charter number (best) or a name; a name resolves to the largest match."
    }
  },
  "additionalProperties": false
}

list_metrics

Every metric key the other tools accept, with its definition, unit and which direction is better.

read-only

Argument	Type	Description
group	string	Optional group: size, growth, capital, earnings, credit, lending, deposits, liquidity, operations, rates.

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "group": {
      "enum": [
        "size",
        "growth",
        "capital",
        "earnings",
        "credit",
        "lending",
        "deposits",
        "liquidity",
        "operations",
        "rates"
      ],
      "type": "string",
      "description": "Optional group: size, growth, capital, earnings, credit, lending, deposits, liquidity, operations, rates."
    }
  },
  "additionalProperties": false
}

peer_report

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.

read-only

Argument	Type	Description
peer	string
charter*	string	NCUA charter number or name.

Input schema (JSON)

{
  "type": "object",
  "required": [
    "charter"
  ],
  "properties": {
    "peer": {
      "enum": [
        "asset_group",
        "state",
        "state_asset_group"
      ],
      "type": "string",
      "default": "asset_group"
    },
    "charter": {
      "type": "string",
      "maxLength": 200,
      "minLength": 1,
      "description": "NCUA charter number or name."
    }
  },
  "additionalProperties": false
}

rank_credit_unions

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).

read-only

Argument	Type	Description
limit	integer
order	string	"best" follows the metric's direction; size metrics rank highest first.
state	string	Two-letter state code or name.
metric*	string	Metric key from list_metrics, e.g. assets, roa, nwr, rateNewAuto, memberGrowth.
max_assets	number	Maximum total assets in dollars.
min_assets	number	Minimum total assets in dollars. Defaults to the metric's ranking minimum.
peer_group	integer	NCUA asset-size peer group 1 (under $2M) to 6 ($500M and up).

Input schema (JSON)

{
  "type": "object",
  "required": [
    "metric"
  ],
  "properties": {
    "limit": {
      "type": "integer",
      "default": 25,
      "maximum": 100,
      "minimum": 1
    },
    "order": {
      "enum": [
        "best",
        "worst",
        "highest",
        "lowest"
      ],
      "type": "string",
      "default": "best",
      "description": "\"best\" follows the metric's direction; size metrics rank highest first."
    },
    "state": {
      "type": "string",
      "maxLength": 40,
      "minLength": 2,
      "description": "Two-letter state code or name."
    },
    "metric": {
      "type": "string",
      "maxLength": 60,
      "minLength": 1,
      "description": "Metric key from list_metrics, e.g. assets, roa, nwr, rateNewAuto, memberGrowth."
    },
    "max_assets": {
      "type": "number",
      "minimum": 0,
      "description": "Maximum total assets in dollars."
    },
    "min_assets": {
      "type": "number",
      "minimum": 0,
      "description": "Minimum total assets in dollars. Defaults to the metric's ranking minimum."
    },
    "peer_group": {
      "type": "integer",
      "maximum": 6,
      "minimum": 1,
      "description": "NCUA asset-size peer group 1 (under $2M) to 6 ($500M and up)."
    }
  },
  "additionalProperties": false
}

search_credit_unions

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.

read-only

Argument	Type	Description
limit	integer
query*	string	Name, trade name, city or charter number.
state	string	Optional two-letter state code or state name to narrow results.

Input schema (JSON)

{
  "type": "object",
  "required": [
    "query"
  ],
  "properties": {
    "limit": {
      "type": "integer",
      "default": 10,
      "maximum": 50,
      "minimum": 1
    },
    "query": {
      "type": "string",
      "maxLength": 200,
      "minLength": 1,
      "description": "Name, trade name, city or charter number."
    },
    "state": {
      "type": "string",
      "maxLength": 40,
      "minLength": 2,
      "description": "Optional two-letter state code or state name to narrow results."
    }
  },
  "additionalProperties": false
}

state_summary

Credit unions headquartered in one state: count, combined assets, members and loans, delinquency, medians of key ratios and the largest credit unions.

read-only

Argument	Type	Description
top	integer
state*	string	Two-letter code or state name.

Input schema (JSON)

{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "top": {
      "type": "integer",
      "default": 10,
      "maximum": 50,
      "minimum": 1
    },
    "state": {
      "type": "string",
      "maxLength": 40,
      "minLength": 2,
      "description": "Two-letter code or state name."
    }
  },
  "additionalProperties": false
}

Credit Union Ledger: NCUA call-report data

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best_credit_unions Read-only

Credit Union Ledger: NCUA call-report data

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best_credit_unions Read-only

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