CU Intelligence · LendRisk Analytics

Every federally insured credit union, live or departed (6,272 charters, 4,336 filing), across 41 quarters of NCUA 5300 call reports through 2026-03: census, tape reads with a formula behind every cell, ten-year trends, loan penetration, participation posture, a ten-institution comparison with Excel export, saved screens, and validation against the 1,749 institutions that stopped filing.

This page is a JavaScript application. Every tab below has a text route that returns the same contents as markdown, so a crawler or an AI assistant can read it without running the page. Start at /llms.txt; everything on the site in one file: /llms-full.txt; route guide: /guide.

Tabs on this page and how to read each as text

• Census (/cu-intel/#census): every credit union, filterable by asset band, state, flag, live or departed, and by lens: business model (auto monoline, auto-heavy, indirect buyer, mortgage lender, card and signature lender, business lender, savings club, participation buyer or seller), who the members are (community, multiple common bond, single sponsor, associational, state charter, low-income designated, minority depository institution, payroll or saver base), reach (checking penetration, share of potential members, loans per 100 members), funding and liquidity, stage, signals. As text: https://getbookiq.com/screen?desk=cu&sort=score&limit=50 (add band, st, flag, q, minassets, maxassets, live=0, fom=, lid=1, mdi=1, model=, reach=, funding=)
• Tape Read (/cu-intel/#cu): one credit union: the verdict, flags with the rule behind each, numbers against its asset band with percentiles, loan mix, funding, loan penetration, ten-year trend, warning timeline, statement view; every cell opens a drawer with the formula and 5300 account codes. As text: https://getbookiq.com/read/cu/<charter> (example https://getbookiq.com/read/cu/9003)
• Compare (/cu-intel/#compare): up to ten credit unions side by side with year-earlier values, ranks, band percentiles and the band median; peer presets, criteria builder, merger candidates near us; Excel and CSV export. As text: https://getbookiq.com/compare?cus=<charter>,<charter>,...&q=<quarter>
• Screens (/cu-intel/#screens): saved questions: red flags, deteriorating, target cohort, repo watchlist, auto monolines, the de-capped, participation buyers, postmortems. As text: https://getbookiq.com/text/cu-intel/screens.md · run one: https://getbookiq.com/screen?desk=cu&flag=<flag>
• Postmortems (/cu-intel/#post): the postmortem studio: every charter that stopped filing (which is not the same as dying: mostly voluntary mergers), cut by band, field of membership, business model and year; tiles, departures by quarter, the median path out, living institutions on the same path, the cohort list. As text: https://getbookiq.com/postmortems?desk=cu&band=&fom=&year=
• System (/cu-intel/#system): the system by asset band, the validation lift table, the deterioration signature into departure, score distribution. As text: https://getbookiq.com/system
• Data (/cu-intel/#data): the full data sheet for the credit union on the tape read. As text: https://getbookiq.com/cu-intel/data/summary.json (every credit union, latest row) · https://getbookiq.com/cu-intel/data/stats.json (columns, band medians, validation) · https://getbookiq.com/cu-intel/data/h/<charter mod 64>.json (41-quarter history)
• What it means (/cu-intel/#meaning): how to read every measure: what it means, when high, when low, versus peers, our line, limits; the four credit unions you will meet; what the desk cannot tell you. As text: https://getbookiq.com/text/cu-intel/meaning.md
• News (/cu-intel/#news): Google News headlines for the credit union on the tape read, with an events box whose arithmetic links to the filed fields. As text: https://getbookiq.com/read/cu/<charter> (headlines section)
• Flags: cap_low = thin capital; cap_critical = capital below 7%; cap_falling = net worth falling; earn_negative = losing money; earn_opex = expense trap; earn_nim_squeeze = margin squeeze; aq_dq_high = delinquency 2x band; aq_dq_rising = delinquency rising; aq_nco_high = charge-offs p90; aq_repo = repo signal; shrink_assets = assets shrinking; shrink_members = members leaving; shrink_loans = loan book shrinking; str_ltos = loans>95% of shares; str_borrowings = leaning on borrowings; str_thirdparty = 3rd-party paper>100% NW; str_vehicle = auto monoline · https://getbookiq.com/dictionary/#cu

Two desks under one roof: Credit Union Desk (CU Intelligence, Participation Desk) and Lending Markets (Bank Desk, Auto Credit Intelligence). All rooms: front door · CU Intelligence · Bank Desk · Participation Desk · Auto Credit Intelligence · Data dictionary · text edition index · sitemap.

Rules: every number is a filed figure or arithmetic on filed figures with the formula shown; a flag is a question, never a finding; every verdict says could be; departed means stopped filing; the data is a quarter old by construction. Sources: NCUA 5300, FDIC, SEC XBRL, SEC ABS-EE. Not a rating.