NCUA Credit Union Call Report Scraper — 5300 Financials & Signals

Get the official NCUA 5300 Call Report numbers for every federally insured US credit union (≈4,300 per quarter) as clean JSON/CSV/Excel rows: total assets, loans, shares & deposits, members, net worth ratio, 60-day delinquency, ROA, charge-offs, allowance, branches, employees, website and main-office phone — plus quarter-over-quarter and year-over-year growth, rule-based risk & growth signals, asset rank within the state and merger/exit detection.

No login, no proxy, no browser. The Actor downloads NCUA's own public quarterly bulk file and does the joining, math and filtering for you.

Who uses it

• Fintech, core-banking and lending vendors selling to credit unions: build a target list by state, asset size, growth or loan mix, with website and main-office phone.
• Bank/CU analysts, consultants and M&A advisors: screen for thin capital, rising delinquency, shrinking members or fast growth; spot credit unions that disappeared (usually mergers).
• Journalists and researchers: one table per quarter, back to 2015, without wrangling 20 linked text files.

Quick start

1. Click Start with an empty input → a free sample (5 largest credit unions of the latest quarter, not charged) so you can see the format.
2. Example paid input — California credit unions above $500M, with growth columns:

{
  "quarter": "latest",
  "compare": "qoq_and_yoy",
  "states": ["CA"],
  "minAssets": 500000000,
  "maxResults": 20
}

3. Risk screen across the country:

{ "signalsAny": ["net_worth_below_7pct", "high_delinquency"], "sortBy": "delinquency_rate_pct", "maxResults": 200 }

4. Watchlist, scheduled weekly, delivered once per new quarter:

{ "cuNumbers": ["5536", "24212", "68490"], "onlyNewQuarter": true, "monitorName": "my-watchlist" }

Input

Field	What it does
sampleMode	Free 5-row sample of the latest quarter. An empty input does the same.
quarter	latest (default), YYYY-MM (03/06/09/12) or YYYYQn, e.g. 2025Q4. Files go back to 2015-06.
compare	qoq_and_yoy (default), yoy, qoq or none. Adds growth/change columns vs. the prior quarter and the same quarter a year ago.
states, charterTypes, nameContains, cuNumbers	Filters. Charter types: FCU (federal), FISCU (state-chartered, federally insured), NFICU (non-federally insured, reported to NCUA).
minAssets, maxAssets, minMembers	Size filters (USD / members).
signalsAny	Keep rows that carry at least one of the selected signals.
includeExits	Add rows for credit unions that filed last quarter but not this one (record_type = exited_since_prior_quarter).
includeContact	Website, street, main-office phone and address (institution data only). Default on.
sortBy, sortDescending	Sort by assets, members, growth, net worth ratio, delinquency, ROA, loan/share or name.
maxResults	Cap on rows pushed (= cap on charged events). Default 100, max 6,000.
onlyNewQuarter, monitorName	Monitor mode for scheduled runs: rows are delivered only the first time a quarter appears for that monitor name; later runs push 0 rows and cost nothing beyond the platform's compute. A run stopped by your cost limit does not mark the quarter, so the next run retries it.

Output

One row per credit union. Main fields (full example in docs/example_output.json):

Group	Fields
Identity	quarter, cycle_date, cu_number, cu_name, charter_type, city, state, zip_code, rssd_id, year_opened, peer_group_label, low_income_designation, minority_depository_institution
Balance sheet	total_assets, total_loans, loan_count, total_shares_deposits, members, potential_members, net_worth, credit_card_loans, new_vehicle_loans, allowance_for_loan_losses
Performance	net_income_ytd, charge_offs_ytd, recoveries_ytd, net_charge_offs_ytd, delinquent_loans_60d
Ratios	net_worth_ratio_pct, net_worth_category_simple, loan_to_share_pct, delinquency_rate_pct, roa_annualized_pct, net_charge_off_rate_annualized_pct, assets_per_member
Growth (qoq / yoy)	assets_*_pct, loans_*_pct, shares_*_pct, members_*_change, members_*_pct, net_worth_ratio_*_change_pp, delinquency_rate_*_change_pp, in_*_data
Rank	asset_rank_in_state, credit_unions_in_state (among all credit unions of the quarter, before your filters)
Operations & contact	branches, employees_full_time, employees_part_time, employees_total, website, street, main_office_phone, main_office_address
Signals & source	signals (list), source_zip_url (the NCUA file the row came from)

Dataset views: Overview, Growth & risk signals, Contact & profile. A RUN_SUMMARY record in the key-value store lists the quarter, comparison quarters, counts and charged events.

Signals (rule-based, from the reported numbers)

Signal	Rule
net_worth_below_7pct	Net worth ratio < 7% (below "well capitalized")
net_worth_ratio_down_1pp_yoy	Net worth ratio down ≥ 1 percentage point vs. a year ago
high_delinquency	60+ day delinquent loans ≥ 2% of loans
delinquency_up_0_5pp_yoy	Delinquency rate up ≥ 0.5 pp vs. a year ago
net_loss_ytd	Negative year-to-date net income
assets_shrinking_yoy	Total assets down ≥ 5% year over year
fast_asset_growth_yoy	Total assets up ≥ 15% year over year (often a merger)
membership_decline_yoy	Members down ≥ 3% year over year
loan_to_share_above_100pct	Loans exceed shares & deposits
new_in_data_yoy	No filing a year ago (new charter, conversion or renumbering)
exited_since_prior_quarter	Exit rows only: filed last quarter, not this one

Signals are screening flags, not ratings or advice.

Pricing (pay per event)

One event: credit-union — one row (credit union or exit row) pushed to your dataset. No start fee.

The price depends on your Apify plan (Store discount tiers):

Your Apify plan tier	Price per row	Per 1,000 rows	Whole quarter (~4,300 rows)	20-row example above
Free	$0.005	$5.00	≈ $21.50	$0.10
Bronze (−10%)	$0.0045	$4.50	≈ $19.35	$0.09
Silver (−20%)	$0.004	$4.00	≈ $17.20	$0.08
Gold, Platinum, Diamond (−30%)	$0.0035	$3.50	≈ $15.05	$0.07

Not charged: the free sample, credit unions removed by your filters, downloads, runs that fail, and monitor-mode runs on an already-delivered quarter. maxResults and Maximum cost per run both cap the bill; the Actor stops cleanly at your limit. Platform compute is small (a full quarter with comparisons runs in about 10–20 s at 256 MB). Tier names and discounts are as shown on the Store pricing tab at the time of your run; the Store shows your effective price.

Data source, legality and privacy

• Source: NCUA's public Quarterly Call Report Data page (ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) and the zip files it links. These are US federal government public data.
• ncua.gov robots.txt allows these paths. The Actor does not touch mapping.ncua.gov (its robots.txt disallows crawling), uses no proxy, sends a descriptive User-Agent and downloads at most three files per run.
• No personal data is output. The source files contain contact-person and preparer names; the Actor never reads those columns. Contact fields are institution-level only (website, main-office phone/address).

Limits and definitions

• Net worth ratio is the ratio the credit union reported to NCUA (account 998). It can differ from net worth ÷ period-end assets because NCUA allows average-asset denominators. When it is not reported, the Actor computes it.
• net_worth_category_simple is a simplified prompt-corrective-action bucket from the net worth ratio only. Complex credit unions (> $500M) are also subject to risk-based capital / CCULR rules that this does not model. It is not NCUA's official classification.
• Income, charge-off and recovery fields are year-to-date; ROA and charge-off rates are annualized (× 12 / months in the year so far).
• Allowance uses the CECL allowance (AS0048) when reported, otherwise the legacy ALLL (719).
• NCUA publishes each quarter roughly two months after quarter end; latest picks the newest file actually posted. Data is as filed and can be amended by NCUA later.
• Exit rows say a filing is missing; the reason (merger, liquidation, conversion) is not in the file.

FAQ

How fresh is it? As fresh as NCUA's file. Run monthly or weekly with onlyNewQuarter to get each new quarter once.

Can I get older quarters? Yes, any quarter NCUA links (2015-06 onward). Year-over-year fields need the year-ago file, which exists from 2016-06.

What is the CU number? NCUA's charter/identifier, e.g. 5536 = Navy Federal. Use it in cuNumbers for a watchlist.

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Changelog

• 1.0 (2026-11) — first release: quarters 2015-06 onward, QoQ/YoY growth, 11 signals, exits, monitor mode, contact fields.