How the filings are read and tested

Every table, tool and sentence with a figure on this site reads a single build of the NCUA’s Call Report files for June 30, 2026, downloaded and read on November 2, 2026. The file for September 30, 2026 was not yet published on that day. No figure is typed by hand, and a test compares the national totals with the agency’s own summary.

1. The licence

The NCUA lists “Credit Union and Call Report Data” as a public data asset in its data inventory, with the use restriction “Use of this dataset is not restricted” and the license set to U.S. government works. We read both on November 2, 2026. USA.gov warns that not everything on a federal site is a government work, and that materials may not be used to imply endorsement, so we use the data, no agency logo, and our own words. Corporate credit union data and non-public data are not used here. The rates table on the agency’s site comes from a private supplier, so we link to it and do not copy it.

2. The accounts we use

The net worth ratio is the filed figure, not a recalculation. Delinquency is late loans divided by total loans. Earnings on assets use the year-to-date income at an annual pace. Members over twelve months compare the same charter in the file for June 30, 2025, so members a charter took over count as growth, and a head office that moved does not count as a change for its state’s same-charter figures.

3. How our totals compare with the agency’s

The full file has 4,299 filers: the 4,214 above plus 85 that are not federally insured, whose 1.28M members and $23.8B in assets are left out of the national rates and shown separately. A state’s rates include every filer based there.

4. Names

The file holds names in capitals. We convert them to ordinary case, keep a list of exceptions, and use the charter number as the key. A trade name appears in brackets where one is filed. The city is that of the main office. If a name looks wrong, the charter number is the reference.

5. The five tests

1. Federally insured: the type in the file is a federal charter or a federally insured state charter.
2. Net worth ratio of 7% or more: the line for well capitalized in 12 CFR 702.102, on this ratio alone. The risk-based test for credit unions over $500 million is not recomputed, nor is the scale for new credit unions.
3. Delinquency at or under the median: we compute medians within the six peer groups in the file: 0.53% for under $2 million; 0.85% for $2 to $10 million; 0.68% for $10 to $50 million; 0.67% for $50 to $100 million; 0.70% for $100 to $500 million; 0.68% for $500 million or more.
4. Positive earnings: net income year to date above zero.
5. Members not falling: same charter, twelve months. No earlier filing means no mark on this test.

We weight them equally only when we count passes, and we publish no single grade. These tests are ours. They are not an NCUA rating, and no supervisory rating appears in the file we read. The “best” lists are the filers that pass all five, ordered by size or by late loans, for one quarter.

6. Membership rules

The file does not list who may join. On November 2, 2026, under a declared reader name, we read the robots.txt and the conditions we could find on the sites of the largest credit unions, then the membership pages of those that allow it, and summarized 17 of them in our words. A site that refused that reader or timed out, whose conditions restrict robots, copying or reuse, or whose page did not show the rule is marked not verified and was not tried by another route. Some sites show no site-use terms that we could find: the list is on the page about credit unions anyone can join. For those, as for all others, the site says to confirm with the credit union. Addresses are shown as text, with no link.

7. What we left out, and why

• Rates and fees: not in the filing.
• The field-of-membership code in the file: we found no official definition of its values, so we do not interpret it.
• The low-income designation: the file has a flag, but the official page we tried did not open, so we count it and do not explain it.
• The NCUA’s Credit Union Locator and Research a Credit Union tools: they timed out on the day we read, so we describe neither and cannot compare our figures with them.
• 12 CFR 702.102 after the edition of January 1, 2025: we read that edition and the agency’s questions and answers. We found no later change but cannot rule one out.

8. Pages read

9. What the site does not do

This is general information, not financial advice or legal advice.

• It gives no financial or legal advice and rates no one on the NCUA’s behalf.
• It does not say whether you qualify to join.
• It keeps nothing you type: the tools run in your browser.

Method version of November 2, 2026. Updates are made by hand when a new quarter is published. Something looks wrong: contact.