FDIC & NCUA Peer Financial Trend Report

Bank and credit-union research teams provide bounded same-source FDIC certificate or NCUA charter-number watches, explicit metrics, and quarter-end periods.
The actor reads the official keyless FDIC BankFind endpoints or NCUA quarterly call-report ZIPs.
It returns descriptive period changes, watchlist peer percentiles, source-linked alerts, reports, and JSON evidence exports.

Store Quickstart

{
  "watches": [
    {
      "id": "regional-peer-watch",
      "source": "fdic",
      "institutions": [
        {
          "cert": "14"
        },
        {
          "cert": "35"
        },
        {
          "cert": "39"
        }
      ],
      "metrics": [
        "totalAssets",
        "totalDeposits"
      ],
      "periods": [
        "2024-12-31",
        "2025-03-31",
        "2025-06-30",
        "2025-09-30",
        "2025-12-31"
      ]
    }
  ],
  "monitorKey": "regional-peer-watch",
  "initialRunMode": "baseline_only",
  "generateReport": true,
  "emitRawRows": false,
  "emitExport": false,
  "dryRun": false
}

1. Run store-input.example.json once with initialRunMode: "baseline_only". The first snapshot is stored with zero rows and zero charge.
2. Run the same input again after an official quarterly update. Only new or changed observations produce billable rows.
3. For an intentional initial backfill, use store-input.charged-canary.json. It emits alerts, one report, and one export, subject to maxChargeUsd.

The actor does not require an API key, login, or user credential. Keep each watch on one source so units and peer percentiles remain comparable.

Input Examples

1. Baseline then recurring trend check

{
  "watches": [{
    "id": "regional-peer-watch",
    "source": "fdic",
    "institutions": [{ "cert": "14" }, { "cert": "35" }, { "cert": "39" }],
    "metrics": ["totalAssets", "totalDeposits"],
    "periods": ["2024-12-31", "2025-03-31", "2025-06-30", "2025-09-30", "2025-12-31"]
  }],
  "monitorKey": "regional-peer-watch",
  "initialRunMode": "baseline_only",
  "generateReport": true,
  "emitRawRows": false,
  "emitExport": false,
  "dryRun": false
}

2. NCUA credit-union report and export backfill

{
  "watches": [{
    "id": "credit-union-peers",
    "source": "ncua",
    "institutions": [
      { "charterNumber": "1", "label": "Peer A" },
      { "charterNumber": "6", "label": "Peer B" }
    ],
    "metrics": ["totalAssets", "totalDeposits", "netIncome", "totalEquity"],
    "periods": ["2025-12-31", "2026-03-31"]
  }],
  "monitorKey": "ncua-2026-q1-peer-report",
  "initialRunMode": "emit_backfill",
  "generateReport": true,
  "emitRawRows": false,
  "emitExport": true,
  "maxChargeUsd": 50,
  "dryRun": false
}

3. Deterministic local check

{
  "watches": [{
    "id": "local-canary",
    "source": "fdic",
    "institutions": [{ "cert": "14" }, { "cert": "35" }],
    "metrics": ["totalAssets", "totalEquity"],
    "periods": ["2024-12-31", "2025-12-31"]
  }],
  "dryRun": true
}

Dry run returns representative rows for all four configured event types without contacting FDIC or NCUA, reading state, or charging.

Output

Rows are source-linked and include the FDIC certificate or NCUA charter number, metric ID and official field, report period, value and source-specific unit, period change, and source URL. The report row groups the latest selected period by watch and metric and includes a descriptive mid-rank percentile within that same-source watchlist. A percentile is a relative distribution measure only; it is not a score about an institution.

The default value path is:

• institution-peer-change-alert for new or changed observations
• financial-peer-trend-report for one aggregate descriptive report
• optional institution-financial-row for raw-ish compact observations
• optional financial-peer-export for a compact JSON evidence package

Pricing

Event	Price
institution-financial-row	$0.01
institution-peer-change-alert	$0.50
financial-peer-trend-report	$18.00
financial-peer-export	$10.00

There is no start charge. maxChargeUsd is checked before delivery. First baseline_only runs and unchanged runs emit 0 rows and 0 charge. A failed source fetch, state save, delivery receipt, or unknown billing event fails closed.

Official Sources

• FDIC BankFind documentation: https://api.fdic.gov/banks/docs
• FDIC financials endpoint: https://api.fdic.gov/banks/financials
• FDIC institutions endpoint: https://api.fdic.gov/banks/institutions
• NCUA quarterly data page: https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data

NCUA support uses only the official quarterly call-report-data-YYYY-MM.zip resource for each explicit quarter. Every archive must be on ncua.gov, have a valid ZIP signature, stay within the response limit, and contain FOICU.txt, FS220.txt, and FS220A.txt. The actor does not use CUOnline or scrape the custom-query UI.

Compliance Guardrails

• Official public FDIC and NCUA data only; no API key, login, private data, or bypass behavior.
• Values are descriptive public observations in the stated period and unit.
• The actor never produces a financial health score, risk score, credit score, failure prediction, investment advice, lending advice, underwriting decision, guarantee, or agency endorsement.
• Do not infer solvency, safety, future performance, causality, or approval from a percentile or change.
• Verify the linked official source, report period, metric field, and revisions before using output in a business process.

Bounded Operation

Each watch is limited to 20 institutions, 8 metrics, and 8 explicit quarter-end periods. A run accepts at most 10 watches and 50 source requests. Response size, timeout, pacing, and total charge are bounded. State is committed only after all billable delivery receipts are positive.

See Also

Use this actor for descriptive same-source FDIC bank or NCUA credit-union trends. It is not a replacement for official reports, supervisory processes, filings, or professional financial advice.