About CUScore
A free, independent directory of America's federally insured credit unions — powered by NCUA public data.
Who We Are
CUScore is an independent, free-to-use directory of federally insured credit unions in the United States. We are not a credit union, bank, or financial institution. We are not affiliated with the National Credit Union Administration (NCUA), any individual credit union, or any banking trade group.
Our mission is simple: help American consumers find, understand, and compare credit unions using publicly available government data. We believe that good financial decisions start with good information, and that information should be free and accessible.
The directory covers 4,336 federally insured credit unions in the Q1 2026 dataset. Each institution's profile includes key financial metrics from the NCUA Call Report, branch and ATM location data, a rules-based CUScore grade, and national and state rankings.
Our Data Sources
All financial data displayed on CUScore is sourced exclusively from the NCUA Quarterly Call Report, officially known as the Credit Union Profile and Financial Performance Report (NCUA Form 5300). This is a mandatory quarterly filing submitted by every federally insured credit union to the NCUA. The data is publicly available at ncua.gov.
| Data Field | Source |
|---|---|
| Total assets, members, loans, net worth | NCUA Call Report (Form 5300), quarterly |
| Net worth ratio, delinquency rate, loan-to-share ratio | Calculated from NCUA Call Report raw fields |
| Branch and ATM locations | NCUA Credit Union Branch Information, quarterly |
| Charter number, year opened, membership type | NCUA Credit Union Profile data |
| Health score (A+–F letter grade) | Proprietary CUScore calculation (see Methodology) |
The NCUA's call report data contains hundreds of data fields for each institution. We use a curated subset of these fields — those most relevant to consumers evaluating a credit union's size, accessibility, and financial strength.
CUScore Grade Methodology
The CUScore grade (A+ to F) is a rules-based comparison aid derived from two reported NCUA Call Report metrics. It does not summarize the institution's complete financial condition. The formula uses:
- Net Worth Ratio — the primary driver. NCUA's Prompt Corrective Action (PCA) framework classifies credit unions as well capitalized (≥ 7%), adequately capitalized (6–7%), undercapitalized (4–6%), significantly undercapitalized (3–4%), or critically undercapitalized (< 2%).
- Delinquency Rate — the percentage of loans 60+ days past due. High delinquency rates pressure earnings and erode capital over time.
The grade thresholds are defined as follows:
| Grade | Label | Primary Criteria |
|---|---|---|
| A+ | Highest CUScore tier | Net worth ratio ≥ 10% and delinquency rate < 1%. |
| A | CUScore A tier | Net worth ratio ≥ 8% and delinquency rate < 1.5%. |
| B+ | CUScore B+ tier | Net worth ratio ≥ 7% and delinquency rate < 2%. |
| B | CUScore B tier | Net worth ratio ≥ 6% and delinquency rate < 3%. |
| C | CUScore C tier | Net worth ratio ≥ 5% and delinquency rate < 4%. |
| D | CUScore D tier | Net worth ratio ≥ 4% and delinquency rate < 5%. |
| F | Below D-tier criteria | Any combination that does not qualify for the D tier or above. |
Important caveat: The CUScore grade is a simplified, rules-based model based on two publicly available metrics. It does not replicate the NCUA's proprietary CAMELS examination rating, which is confidential and incorporates qualitative assessments of management quality, IT systems, compliance, and other factors not visible in public data. A CUScore grade should not be used as a sole basis for financial decisions or interpreted as a solvency, deposit-safety, or regulatory prediction.
Data Update Frequency
The NCUA publishes Call Report data quarterly, typically 60–90 days after the end of each calendar quarter. CUScore updates its database following each NCUA data release. The current data reflects the Q1 2026 Call Report cycle (reporting date March 31, 2026).
Between NCUA updates, all financial metrics on this site remain static. We process each new public quarterly release before replacing the active dataset. Real-time financial data for individual credit unions is not available through this directory.
Note: Financial data displayed on this site is always as of the most recent NCUA quarterly cycle. Individual credit union financial conditions may have changed since the last data release. For the most current information, visit the credit union's official website or NCUA.gov.
Disclaimer
CUScore is an independent informational website. We are not a credit union, bank, financial advisor, or credit counselor. Nothing on this website constitutes financial, legal, or investment advice.
All data is sourced from publicly available NCUA records and is provided “as is” without warranty of any kind. CUScore makes reasonable efforts to ensure data accuracy but cannot guarantee that all information is current, complete, or error-free. NCUA data itself may contain errors, omissions, or restatements.
Health scores, rankings, and other derived metrics are proprietary calculations that represent our interpretation of NCUA public data. They do not represent the views of the NCUA, any credit union, or any regulatory body.
All federally insured credit union deposits are insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per member per ownership category, backed by the full faith and credit of the United States government. This insurance applies regardless of the credit union's CUScore grade or any other metric displayed on this site.
CUScore is not responsible for decisions made based on information displayed on this website. Always conduct your own research and consult qualified professionals before making financial decisions.