Primary Data Source
NCUA Quarterly Call Report
All credit union financial data on CUScore comes directly from the National Credit Union Administration (NCUA) Quarterly Call Report. The NCUA is the independent federal agency that charters and supervises all federally insured credit unions in the United States.
Every federally insured credit union is required by law to file a quarterly Call Report (NCUA Form 5300) with the NCUA. These reports contain detailed financial data including total assets, loans, shares and deposits, net worth, and membership figures. The data is publicly available and updated quarterly.
NCUA Data Files Used
FOICU.txtCredit union identification and charter data — name, address, charter type, year established, membership field (TOM code), and peer group classification.
FS220.txtFinancial Statement — total assets, loans outstanding, shares and deposits, member count, delinquent loans, net income, and other balance sheet items.
FS220A.txtFinancial Statement Supplement — net worth, net worth ratio (net worth / total assets), and additional capital adequacy metrics.
Credit Union Branch Information.txtPhysical locations of all branch offices — address, city, state, zip code, and whether the branch is the main office.
ATM Locations.txtATM location data for credit unions that report ATM placements to the NCUA.
CUScore Grade Methodology
CUScore's letter grade (A+ through F) is calculated from two publicly reported financial metrics: the net worth ratio and the delinquency rate. These public indicators relate to capital adequacy and reported loan performance, but the resulting letter grade is CUScore's own simplified model.
| Grade | Net Worth Ratio | Delinquency Rate |
|---|---|---|
| A+ | ≥ 10% | < 1% |
| A | ≥ 8% | < 1.5% |
| B+ | ≥ 7% | < 2% |
| B | ≥ 6% | < 3% |
| C | ≥ 5% | < 4% |
| D | ≥ 4% | < 5% |
| F | Does not qualify for D+ | Does not qualify for D+ |
Important Disclaimer
CUScore grades are CUScore's own calculation based on publicly available NCUA data and are provided for informational and educational purposes only. They do not represent an official NCUA rating, assessment, solvency opinion, or deposit-safety prediction. NCUA share-insurance coverage is governed by account and ownership rules, not by a CUScore grade.
Data Accuracy & Limitations
Financial figures reflect what each credit union reported on its quarterly Call Report. We normalize presentation fields such as city capitalization, use the reported main-office address when available, and calculate clearly labeled derived ratios and grades. Occasional reporting or transformation errors may still exist.
CUScore does not verify individual data points independently. For the most authoritative and up-to-date information about any specific credit union, we recommend visiting NCUA.gov or contacting the credit union directly.
Branch location data comes from the NCUA branch information file, which does not include geographic coordinates. Where a map is shown, coordinates were geocoded from the reported postal address and may be approximate. The written NCUA address remains the authoritative field.
Update Schedule
NCUA publication timing varies by quarter. CUScore validates each new release before replacing the active dataset. The current release is Q1 2026, with a reporting date of March 31, 2026. The reporting date, not the page build date, is shown throughout the directory.
Questions About Our Data?
If you notice a data discrepancy or have questions about our methodology, please reach out.
Contact UsData sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is not affiliated with the NCUA or any government agency.