NCUA — US credit unions (5300 Call Report)

Financials, membership, branches and ATMs for every federally insured US credit union — 4,336 institutions, five years of quarterly filings, from the regulator's own 5300 Call Report.

Part of Pipeworx — an MCP gateway connecting AI agents to 1865+ live data sources. This is an independent, unofficial integration — not affiliated with, endorsed by, or published by the upstream provider.

Why this exists alongside fdic

They cover disjoint halves of US retail banking, and neither can answer for the other. Credit unions are insured by the NCUSIF, not the FDIC, so they are absent from FDIC data by definition — not missing, not incomplete, structurally not there. "How big is my bank" and "how big is my credit union" are two different lookups.

banking-regulations is a third thing again: that pack serves NCUA's rules (12 CFR 700–799). This one serves the institutions.

Tools

| Tool | Answers | |---|---| | ncua_search_credit_unions | Credit unions in Austin, TX — fuzzy name, city or state | | ncua_credit_union_profile | How big is Navy Federal? — assets, members, loans, shares, branches | | ncua_credit_union_financials | One figure over time, or every figure for a quarter | | ncua_rank_credit_unions | Largest credit unions in Ohio — by any mirrored figure | | ncua_compare_credit_unions | Two to five side by side | | ncua_account_lookup | What is ACCT_010? — the full 3,376-account dictionary | | ncua_branches | Branch and ATM locations by credit union or place | | ncua_industry_totals | How many credit unions are there? — national or per state |

Auth

Keyless.

The account dictionary is the product

The 5300 Call Report stores every figure against an opaque code, and the meaning lives in a separate file:

FS220.txt : CU_NUMBER, CYCLE_DATE, ACCT_010, ACCT_083, ...
            1,         3/31/2026,  13376472, 7678,     ...

AcctDesc  : ACCT_010 -> "TOTAL ASSETS"
            ACCT_083 -> "Number of current members (not number of accounts)"

ACCT_010: 13376472 is not an answer. Every tool that returns a value joins the dictionary and returns the label with it, and ncua_account_lookup resolves any code — including the 3,179 that have a definition but no reported values.

What is mirrored, and what is not

We store the 197 accounts NCUA itself flags as its Financial Performance Report, which is NCUA's curation rather than ours. That is ~165k non-zero values a quarter; the full 3,376 would be 1.33M a quarter, eight times the storage for a long tail nobody has asked for.

The complete dictionary is mirrored regardless, so an account we hold no values for is still explainable rather than unknown — ncua_account_lookup returns mirrored_values: false for those.

| | | |---|---| | Quarters | 20 (2021-06 .. 2026-03) | | Values | 3.84M | | Branches / ATMs | 22,829 / 17,588 — current quarter only | | Footprint | 692 MB, of which 440 MB is indexes |

Why this is a mirror

NCUA publishes no API. ncua.gov/api/* returns 404, and mapping.ncua.gov (the Credit Union Locator) is an Angular app that serves the same HTML for every path — it is a client-side UI, not an endpoint. The only machine-readable form is the quarterly bulk archive, ~7.7 MB compressed across 26 files.

Ingest: workers/data-pipeline/src/datasets/ncua.ts (scheduled) and scripts/ingest-ncua.mjs (backfill and one-off repair). Schema: supabase/migrations/071_ncua.sql.

Data sources

• https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data — the quarterly archive index.
• https://ncua.gov/files/publications/analysis/call-report-data-YYYY-MM.zip — one release.

Things the next person would otherwise rediscover

• Three URL conventions for the same file. call-report-data-2016-03.zip (current), Call-Report-Data-2015-06.zip (capitalised), and older QCR201406.zip under /files/publications/data-apps/. A resolver that knows only the current one silently starts history in 2016.
• ~56-day publication lag. The 2026-03-31 cycle was stamped 2026-05-26. The current calendar quarter is normally not the newest data. The freshness SLA is 200 days for this reason; anything tighter false-fails every cycle.
• Not every account code starts with ACCT_. NCUA's diversity fields are BOARDBLACKAMERICAN, CURMEMHISPANICAMERICAN, FOMMINORITYSTATUS. Filtering columns on /^ACCT_/ looks harmless and silently drops all 15 of them — the whole minority-depository dataset.
• The data is 91% sparse, and the zeros are real. FS220K.txt is entirely zero in some quarters. That is what the source says; do not coerce it to null.
• A missing credit union merged or liquidated. The count falls every quarter (5,136 in 2021 → 4,336 now). An empty result for a charter is not a bad charter number.
• CU_NUMBER is NCUA's charter number, not RSSD. Both are carried; RSSD is the join key to Fed/FFIEC data.
• net_income (ACCT_602) is reported by fewer than half of credit unions — NCUA requires it only when the amount is not already inside Undivided Earnings. A null there is a filing rule, not zero income, and the response says so.
• No coordinates. NCUA publishes branch addresses without lat/lon, so location search is a text match on city/state/ZIP. Do not promise "near me".

Quick Start

Add to your MCP client (Claude Desktop, Cursor, Windsurf, etc.):

{
  "mcpServers": {
    "ncua": {
      "url": "https://gateway.pipeworx.io/ncua/mcp"
    }
  }
}

What this endpoint actually serves

tools/list at https://gateway.pipeworx.io/ncua/mcp returns the tools in the table above plus the shared Pipeworx meta-tools — ask_pipeworx, discover_tools, search_within, remember/recall and the rest of the gateway-wide set. So the tool count you see is larger than this table: a single-pack endpoint currently lists roughly 30 shared tools alongside the pack's own. The connection's initialize response states its exact scope, and is the authoritative answer for a given day.

This is deliberate, not multiplexing by accident. The meta-tools are what let a scoped connection answer a question this pack does not cover — via ask_pipeworx, which routes across the whole catalog — without you adding a second MCP server. There is currently no way to mount a pack endpoint without them; if the extra schemas cost you more context than the routing is worth, connect to the full gateway once rather than to several pack endpoints.

Or connect to the full Pipeworx gateway to get every pack's tools listed directly, instead of just this one's:

{
  "mcpServers": {
    "pipeworx": {
      "url": "https://gateway.pipeworx.io/mcp"
    }
  }
}

Both URLs reach the same gateway and the same 1865+ data sources. The only difference is which pack's tools are listed directly; ask_pipeworx reaches all of them from either one.

No MCP client? Call it over HTTP

curl -X POST https://gateway.pipeworx.io/v1/tools/ncua_search_credit_unions \
  -H 'Content-Type: application/json' \
  -d '{"name":"navy federal"}'

No account needed for the first calls. Inspect any tool: GET https://gateway.pipeworx.io/v1/tools/ncua_search_credit_unions. Find one: POST https://gateway.pipeworx.io/v1/tools/search_packs with {"query":"..."}.

Run it from npm

@pipeworx/mcp-ncua is a local stdio bridge to the Pipeworx gateway: your MCP client starts it with npx, and it forwards every call to the same https://gateway.pipeworx.io/ncua/mcp endpoint shown above. It needs network access; there is no offline mode.

{
  "mcpServers": {
    "ncua": {
      "command": "npx",
      "args": ["-y", "@pipeworx/mcp-ncua"]
    }
  }
}

Without a key it calls anonymously, capped at 50 calls a day. A free account raises that to 200 a day: get a key at https://pipeworx.io/signup and add "env": { "PIPEWORX_API_KEY": "<your key>" } to the server entry. The key is sent as a Bearer token, the same way a hosted connection sends it, so calls are metered and billed exactly as they are there.

It lists only this pack's tools by default. Set PIPEWORX_META_TOOLS=1 to also list ask_pipeworx and the other gateway-wide tools.

Behind an HTTPS proxy: Node's built-in fetch does not read HTTPS_PROXY by default. Newer Node releases honour it when NODE_USE_ENV_PROXY=1 is set; check your Node version's documentation.

Using with ask_pipeworx

Instead of calling tools directly, you can ask questions in plain English — this works on the pack endpoint above as well as on the full gateway:

ask_pipeworx({ question: "your question about Ncua data" })

The gateway picks the right tool and fills the arguments automatically.

More

• Docs and guides
• pipeworx.io

License

MIT