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.
Health Score Methodology
CUScore's health score is a letter grade (A+ through F) calculated from two publicly reported financial metrics: the net worth ratio and the delinquency rate. These are the same metrics the NCUA uses to assess credit union capital adequacy and asset quality.
| 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 | < 4% | ≥ 5% |
Important Disclaimer
Health scores 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 or assessment. All deposits at federally insured credit unions are protected up to $250,000 per depositor, regardless of health score.
Data Accuracy & Limitations
We process NCUA data as-is, without modification. Financial figures reflect what each credit union reported on its quarterly Call Report. While the NCUA performs validation checks, occasional reporting errors may exist in the source data.
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 but does not include geographic coordinates. As a result, branch maps are not currently available.
Update Schedule
NCUA typically publishes Call Report data 60–90 days after the end of each quarter. We update our directory within one week of NCUA publication.
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 (Q4 2025). CUScore is not affiliated with the NCUA or any government agency.