# Bank & Credit-Union Financial Health API — FDIC/NCUA QoQ (`malonestar/fdic-ncua-health-rollup`) Actor

Bank & credit-union financial-health API on keyless FDIC data (NCUA v1.1): unified per-institution assets, deposits, equity, ROA, ROE, NIM and asset quality, with quarter-over-quarter deltas, peer-percentile scoring, and derived health flags (deposit outflow, low ROA, rising NPL).

- **URL**: https://apify.com/malonestar/fdic-ncua-health-rollup.md
- **Developed by:** [Kyle Maloney](https://apify.com/malonestar) (community)
- **Categories:** Lead generation, Developer tools, Agents
- **Stats:** 2 total users, 0 monthly users, 100.0% runs succeeded, 0 bookmarks
- **User rating**: No ratings yet

## Pricing

from $8.00 / 1,000 results

This Actor is paid per event. You are not charged for the Apify platform usage, but only a fixed price for specific events.

Learn more: https://docs.apify.com/platform/actors/running/actors-in-store#pay-per-event

## What's an Apify Actor?

Actors are a software tools running on the Apify platform, for all kinds of web data extraction and automation use cases.
In Batch mode, an Actor accepts a well-defined JSON input, performs an action which can take anything from a few seconds to a few hours,
and optionally produces a well-defined JSON output, datasets with results, or files in key-value store.
In Standby mode, an Actor provides a web server which can be used as a website, API, or an MCP server.
Actors are written with capital "A".

## How to integrate an Actor?

If asked about integration, you help developers integrate Actors into their projects.
You adapt to their stack and deliver integrations that are safe, well-documented, and production-ready.
The best way to integrate Actors is as follows.

In JavaScript/TypeScript projects, use official [JavaScript/TypeScript client](https://docs.apify.com/api/client/js.md):

```bash
npm install apify-client
```

In Python projects, use official [Python client library](https://docs.apify.com/api/client/python.md):

```bash
pip install apify-client
```

In shell scripts, use [Apify CLI](https://docs.apify.com/cli/docs.md):

````bash
# MacOS / Linux
curl -fsSL https://apify.com/install-cli.sh | bash
# Windows
irm https://apify.com/install-cli.ps1 | iex
```bash

In AI frameworks, you might use the [Apify MCP server](https://docs.apify.com/platform/integrations/mcp.md).

If your project is in a different language, use the [REST API](https://docs.apify.com/api/v2.md).

For usage examples, see the [API](#api) section below.

For more details, see Apify documentation as [Markdown index](https://docs.apify.com/llms.txt) and [Markdown full-text](https://docs.apify.com/llms-full.txt).


# README

## Bank & Credit-Union Financial Health API — FDIC/NCUA QoQ Rollup

A **bank financial-health API** that turns raw regulatory call-report data into a
decision-ready rollup. It pulls US **FDIC-insured banks** (NCUA credit unions in
**v1.1**) into ONE normalized schema and adds the transform layer buyers actually
want: **quarter-over-quarter (QoQ) asset & deposit deltas**, **peer-percentile
scoring** within a state or asset-size band, and **derived health flags** (deposit
outflow, low ROA, rising NPL, thin capital). The raw numbers are public but flat —
this actor builds the analytics on top.

### Who it's for
- **Bank & credit-union business development / correspondent teams** sizing and
  ranking institutions in a market.
- **Fintech & BaaS partnership** teams screening sponsor-bank health before signing.
- **Deposit brokers & treasury desks** watching quarter-over-quarter deposit flows.
- **Bank M&A, investors, and analysts** building peer comps by state / asset band.
- **AI agents** needing a clean "bank financial health" lookup + scoring tool.

### What it does
Fetches the current-quarter cohort from the keyless **FDIC BankFind** API, normalizes
every institution to a stable snake_case record, computes **QoQ deltas** against the
prior quarter (from the FDIC `/financials` history, or against your own `priorItems`),
ranks each institution by **peer percentile** (assets and ROA) within the returned
cohort, and derives plain-language **health flags**. One row per institution = one result.

### Modes
- **snapshot** — current-quarter cohort (by state / asset band) with peer percentiles.
- **delta** — quarter-over-quarter asset & deposit change vs the prior quarter (or vs
  your `priorItems`), ranked by the biggest deposit move.
- **score** — current cohort ranked by peer asset percentile (peer-comp view).

### Example input
```json
{
  "state": "CA",
  "institutionType": "bank",
  "mode": "delta",
  "minAssets": 250000,
  "maxAssets": 0,
  "maxResults": 500
}
````

(FDIC reports assets in **$000s**, so `minAssets: 250000` = $250M. Set `state` for a
focused run and state-level peer scoring.)

### Output (per institution)

`institution_type`, `id`, `id_scheme`, `name`, `city`, `state`, `total_assets`,
`total_deposits`, `equity`, `roa`, `roe`, `net_interest_margin`, `asset_quality_ratio`,
`report_date`, `prior_report_date`, `prior_period_assets`, `prior_period_deposits`,
`qoq_asset_change_pct`, `qoq_deposit_change_pct`, `peer_asset_percentile`,
`peer_roa_percentile`, `health_flags[]`, `source_url`, `retrieved_at`.

Dollar figures are in **thousands** (FDIC convention). `net_interest_margin` and
`asset_quality_ratio` are populated in **delta** mode (they come from the FDIC
`/financials` history endpoint).

### Health flags

`deposit_outflow` (QoQ deposits down), `asset_decline` (QoQ assets down), `low_roa`,
`negative_roa`, `negative_roe`, `elevated_npl` (asset-quality ratio high), `rising_npl`
(asset quality worsening QoQ), `thin_capital` (equity/assets under 8%).

### Use as an MCP tool

Available to AI agents via `mcp.apify.com` as a "bank financial health" tool — pass a
state / type / mode, get normalized, scored institution records back. The field-level
output descriptions make it a clean, chainable tool for agent workflows (e.g. screen a
market, then hand the flagged institutions to another step).

### FAQ

**Is it keyless?** Yes — the FDIC BankFind API (`banks.data.fdic.gov`) needs no API key.
**Where does the data come from?** Official FDIC institution + quarterly financial
call-report data. Credit-union (NCUA 5300) coverage ships in **v1.1**.
**How current is it?** As of the latest FDIC quarter-end published (see `report_date`).
**Are credit unions included?** Not yet — `institutionType: "credit_union"` is scaffolded
and returns a notice; NCUA support is coming in **v1.1**.
**Why are assets so large?** FDIC reports assets/deposits in **thousands of dollars**.
**Can I diff two runs myself?** Yes — pass a prior run's rows as `priorItems` in delta mode.

### Source

US **FDIC BankFind** APIs — `banks.data.fdic.gov/api/institutions` (snapshot) and
`banks.data.fdic.gov/api/financials` (quarterly history). Official, keyless, no anti-bot.

### Pricing (Pay Per Result)

Billed per institution-health record returned. Empty cohorts cost nothing beyond the
tiny actor start.

# Actor input Schema

## `state` (type: `string`):

US state to scope the cohort, e.g. CA, TX, NY. Strongly recommended: it focuses the run and makes peer percentiles state-level. Empty = the entire country (slower; national peer scoring).

## `institutionType` (type: `string`):

Which institutions to include: 'bank' (FDIC-insured banks, fully supported), 'credit\_union' (NCUA — coming in v1.1, currently returns nothing with a notice), or 'all'.

## `mode` (type: `string`):

snapshot = current-quarter cohort with peer percentiles. delta = quarter-over-quarter asset/deposit change vs the prior quarter (or vs your priorItems), ranked by biggest deposit move. score = current cohort ranked by peer asset percentile.

## `minAssets` (type: `integer`):

Only include institutions with at least this many total assets, in thousands of dollars (FDIC reports assets in $000s, so 1000000 = $1B). Use with maxAssets to build a peer band. 0 = no floor.

## `maxAssets` (type: `integer`):

Only include institutions with at most this many total assets, in thousands of dollars. 0 = no ceiling. Combine with minAssets to score within an asset-size peer band (e.g. community banks $250M–$1B).

## `priorItems` (type: `array`):

Optional. In delta mode, an array of institution rows from a previous run (each needs id, total\_assets, total\_deposits) to diff the current quarter against, instead of auto-fetching the prior quarter. Lets you compare two arbitrary runs.

## `maxResults` (type: `integer`):

Maximum number of institution-health records to return after filtering, scoring, and ranking.

## Actor input object example

```json
{
  "state": "TX",
  "institutionType": "bank",
  "mode": "snapshot",
  "minAssets": 0,
  "maxAssets": 0,
  "priorItems": [],
  "maxResults": 1000
}
```

# Actor output Schema

## `results` (type: `string`):

Unified bank/credit-union financial-health records with QoQ deltas and peer percentiles, in the default dataset.

# API

You can run this Actor programmatically using our API. Below are code examples in JavaScript, Python, and CLI, as well as the OpenAPI specification and MCP server setup.

## JavaScript example

```javascript
import { ApifyClient } from 'apify-client';

// Initialize the ApifyClient with your Apify API token
// Replace the '<YOUR_API_TOKEN>' with your token
const client = new ApifyClient({
    token: '<YOUR_API_TOKEN>',
});

// Prepare Actor input
const input = {
    "state": "TX"
};

// Run the Actor and wait for it to finish
const run = await client.actor("malonestar/fdic-ncua-health-rollup").call(input);

// Fetch and print Actor results from the run's dataset (if any)
console.log('Results from dataset');
console.log(`💾 Check your data here: https://console.apify.com/storage/datasets/${run.defaultDatasetId}`);
const { items } = await client.dataset(run.defaultDatasetId).listItems();
items.forEach((item) => {
    console.dir(item);
});

// 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/js/docs

```

## Python example

```python
from apify_client import ApifyClient

# Initialize the ApifyClient with your Apify API token
# Replace '<YOUR_API_TOKEN>' with your token.
client = ApifyClient("<YOUR_API_TOKEN>")

# Prepare the Actor input
run_input = { "state": "TX" }

# Run the Actor and wait for it to finish
run = client.actor("malonestar/fdic-ncua-health-rollup").call(run_input=run_input)

# Fetch and print Actor results from the run's dataset (if there are any)
print("💾 Check your data here: https://console.apify.com/storage/datasets/" + run["defaultDatasetId"])
for item in client.dataset(run["defaultDatasetId"]).iterate_items():
    print(item)

# 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/python/docs/quick-start

```

## CLI example

```bash
echo '{
  "state": "TX"
}' |
apify call malonestar/fdic-ncua-health-rollup --silent --output-dataset

```

## MCP server setup

```json
{
    "mcpServers": {
        "apify": {
            "command": "npx",
            "args": [
                "mcp-remote",
                "https://mcp.apify.com/?tools=malonestar/fdic-ncua-health-rollup",
                "--header",
                "Authorization: Bearer <YOUR_API_TOKEN>"
            ]
        }
    }
}

```

## OpenAPI specification

```json
{
    "openapi": "3.0.1",
    "info": {
        "title": "Bank & Credit-Union Financial Health API — FDIC/NCUA QoQ",
        "description": "Bank & credit-union financial-health API on keyless FDIC data (NCUA v1.1): unified per-institution assets, deposits, equity, ROA, ROE, NIM and asset quality, with quarter-over-quarter deltas, peer-percentile scoring, and derived health flags (deposit outflow, low ROA, rising NPL).",
        "version": "1.0",
        "x-build-id": "yVJ2IGb7JTOfhCqoc"
    },
    "servers": [
        {
            "url": "https://api.apify.com/v2"
        }
    ],
    "paths": {
        "/acts/malonestar~fdic-ncua-health-rollup/run-sync-get-dataset-items": {
            "post": {
                "operationId": "run-sync-get-dataset-items-malonestar-fdic-ncua-health-rollup",
                "x-openai-isConsequential": false,
                "summary": "Executes an Actor, waits for its completion, and returns Actor's dataset items in response.",
                "tags": [
                    "Run Actor"
                ],
                "requestBody": {
                    "required": true,
                    "content": {
                        "application/json": {
                            "schema": {
                                "$ref": "#/components/schemas/inputSchema"
                            }
                        }
                    }
                },
                "parameters": [
                    {
                        "name": "token",
                        "in": "query",
                        "required": true,
                        "schema": {
                            "type": "string"
                        },
                        "description": "Enter your Apify token here"
                    }
                ],
                "responses": {
                    "200": {
                        "description": "OK"
                    }
                }
            }
        },
        "/acts/malonestar~fdic-ncua-health-rollup/runs": {
            "post": {
                "operationId": "runs-sync-malonestar-fdic-ncua-health-rollup",
                "x-openai-isConsequential": false,
                "summary": "Executes an Actor and returns information about the initiated run in response.",
                "tags": [
                    "Run Actor"
                ],
                "requestBody": {
                    "required": true,
                    "content": {
                        "application/json": {
                            "schema": {
                                "$ref": "#/components/schemas/inputSchema"
                            }
                        }
                    }
                },
                "parameters": [
                    {
                        "name": "token",
                        "in": "query",
                        "required": true,
                        "schema": {
                            "type": "string"
                        },
                        "description": "Enter your Apify token here"
                    }
                ],
                "responses": {
                    "200": {
                        "description": "OK",
                        "content": {
                            "application/json": {
                                "schema": {
                                    "$ref": "#/components/schemas/runsResponseSchema"
                                }
                            }
                        }
                    }
                }
            }
        },
        "/acts/malonestar~fdic-ncua-health-rollup/run-sync": {
            "post": {
                "operationId": "run-sync-malonestar-fdic-ncua-health-rollup",
                "x-openai-isConsequential": false,
                "summary": "Executes an Actor, waits for completion, and returns the OUTPUT from Key-value store in response.",
                "tags": [
                    "Run Actor"
                ],
                "requestBody": {
                    "required": true,
                    "content": {
                        "application/json": {
                            "schema": {
                                "$ref": "#/components/schemas/inputSchema"
                            }
                        }
                    }
                },
                "parameters": [
                    {
                        "name": "token",
                        "in": "query",
                        "required": true,
                        "schema": {
                            "type": "string"
                        },
                        "description": "Enter your Apify token here"
                    }
                ],
                "responses": {
                    "200": {
                        "description": "OK"
                    }
                }
            }
        }
    },
    "components": {
        "schemas": {
            "inputSchema": {
                "type": "object",
                "properties": {
                    "state": {
                        "title": "State (2-letter)",
                        "type": "string",
                        "description": "US state to scope the cohort, e.g. CA, TX, NY. Strongly recommended: it focuses the run and makes peer percentiles state-level. Empty = the entire country (slower; national peer scoring)."
                    },
                    "institutionType": {
                        "title": "Institution type",
                        "enum": [
                            "bank",
                            "credit_union",
                            "all"
                        ],
                        "type": "string",
                        "description": "Which institutions to include: 'bank' (FDIC-insured banks, fully supported), 'credit_union' (NCUA — coming in v1.1, currently returns nothing with a notice), or 'all'.",
                        "default": "bank"
                    },
                    "mode": {
                        "title": "Mode",
                        "enum": [
                            "snapshot",
                            "delta",
                            "score"
                        ],
                        "type": "string",
                        "description": "snapshot = current-quarter cohort with peer percentiles. delta = quarter-over-quarter asset/deposit change vs the prior quarter (or vs your priorItems), ranked by biggest deposit move. score = current cohort ranked by peer asset percentile.",
                        "default": "snapshot"
                    },
                    "minAssets": {
                        "title": "Min total assets (in $000s)",
                        "minimum": 0,
                        "type": "integer",
                        "description": "Only include institutions with at least this many total assets, in thousands of dollars (FDIC reports assets in $000s, so 1000000 = $1B). Use with maxAssets to build a peer band. 0 = no floor.",
                        "default": 0
                    },
                    "maxAssets": {
                        "title": "Max total assets (in $000s)",
                        "minimum": 0,
                        "type": "integer",
                        "description": "Only include institutions with at most this many total assets, in thousands of dollars. 0 = no ceiling. Combine with minAssets to score within an asset-size peer band (e.g. community banks $250M–$1B).",
                        "default": 0
                    },
                    "priorItems": {
                        "title": "Prior items (delta baseline)",
                        "type": "array",
                        "description": "Optional. In delta mode, an array of institution rows from a previous run (each needs id, total_assets, total_deposits) to diff the current quarter against, instead of auto-fetching the prior quarter. Lets you compare two arbitrary runs.",
                        "default": []
                    },
                    "maxResults": {
                        "title": "Max results",
                        "minimum": 1,
                        "maximum": 100000,
                        "type": "integer",
                        "description": "Maximum number of institution-health records to return after filtering, scoring, and ranking.",
                        "default": 1000
                    }
                }
            },
            "runsResponseSchema": {
                "type": "object",
                "properties": {
                    "data": {
                        "type": "object",
                        "properties": {
                            "id": {
                                "type": "string"
                            },
                            "actId": {
                                "type": "string"
                            },
                            "userId": {
                                "type": "string"
                            },
                            "startedAt": {
                                "type": "string",
                                "format": "date-time",
                                "example": "2025-01-08T00:00:00.000Z"
                            },
                            "finishedAt": {
                                "type": "string",
                                "format": "date-time",
                                "example": "2025-01-08T00:00:00.000Z"
                            },
                            "status": {
                                "type": "string",
                                "example": "READY"
                            },
                            "meta": {
                                "type": "object",
                                "properties": {
                                    "origin": {
                                        "type": "string",
                                        "example": "API"
                                    },
                                    "userAgent": {
                                        "type": "string"
                                    }
                                }
                            },
                            "stats": {
                                "type": "object",
                                "properties": {
                                    "inputBodyLen": {
                                        "type": "integer",
                                        "example": 2000
                                    },
                                    "rebootCount": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "restartCount": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "resurrectCount": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "computeUnits": {
                                        "type": "integer",
                                        "example": 0
                                    }
                                }
                            },
                            "options": {
                                "type": "object",
                                "properties": {
                                    "build": {
                                        "type": "string",
                                        "example": "latest"
                                    },
                                    "timeoutSecs": {
                                        "type": "integer",
                                        "example": 300
                                    },
                                    "memoryMbytes": {
                                        "type": "integer",
                                        "example": 1024
                                    },
                                    "diskMbytes": {
                                        "type": "integer",
                                        "example": 2048
                                    }
                                }
                            },
                            "buildId": {
                                "type": "string"
                            },
                            "defaultKeyValueStoreId": {
                                "type": "string"
                            },
                            "defaultDatasetId": {
                                "type": "string"
                            },
                            "defaultRequestQueueId": {
                                "type": "string"
                            },
                            "buildNumber": {
                                "type": "string",
                                "example": "1.0.0"
                            },
                            "containerUrl": {
                                "type": "string"
                            },
                            "usage": {
                                "type": "object",
                                "properties": {
                                    "ACTOR_COMPUTE_UNITS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATASET_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATASET_WRITES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "KEY_VALUE_STORE_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "KEY_VALUE_STORE_WRITES": {
                                        "type": "integer",
                                        "example": 1
                                    },
                                    "KEY_VALUE_STORE_LISTS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "REQUEST_QUEUE_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "REQUEST_QUEUE_WRITES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATA_TRANSFER_INTERNAL_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATA_TRANSFER_EXTERNAL_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "PROXY_RESIDENTIAL_TRANSFER_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "PROXY_SERPS": {
                                        "type": "integer",
                                        "example": 0
                                    }
                                }
                            },
                            "usageTotalUsd": {
                                "type": "number",
                                "example": 0.00005
                            },
                            "usageUsd": {
                                "type": "object",
                                "properties": {
                                    "ACTOR_COMPUTE_UNITS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATASET_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATASET_WRITES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "KEY_VALUE_STORE_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "KEY_VALUE_STORE_WRITES": {
                                        "type": "number",
                                        "example": 0.00005
                                    },
                                    "KEY_VALUE_STORE_LISTS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "REQUEST_QUEUE_READS": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "REQUEST_QUEUE_WRITES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATA_TRANSFER_INTERNAL_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "DATA_TRANSFER_EXTERNAL_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "PROXY_RESIDENTIAL_TRANSFER_GBYTES": {
                                        "type": "integer",
                                        "example": 0
                                    },
                                    "PROXY_SERPS": {
                                        "type": "integer",
                                        "example": 0
                                    }
                                }
                            }
                        }
                    }
                }
            }
        }
    }
}
```