# getbookiq.com desks, text edition Two desks under one roof: the Credit Union Desk (https://getbookiq.com/cu/: CU Intelligence and the Participation Desk) and Lending Markets (https://getbookiq.com/markets/: the Bank Desk and Auto Credit Intelligence). The pages are JavaScript applications, so a fetch of a desk URL returns an empty shell. Use these routes instead; they render the same JSON the pages load, as markdown, with verification links at the end of every answer. ## Routes - https://getbookiq.com/read?bank= one bank: verdict, ratios with band percentiles and medians, flags, the quarter each flag first fired, headlines, links - https://getbookiq.com/read?cu= one credit union, same shape, plus its participation posture - https://getbookiq.com/read?co= one SEC-filing consumer lender (26 filers) - https://getbookiq.com/read?deal= one auto securitization read from its loan tape (for example SDART-2023-6) - https://getbookiq.com/screen?desk=bank&sort=score&limit=25&band=$1-10B&st=TX&flag=liq_uninsured&q=&minassets=&maxassets=&live=1 - https://getbookiq.com/screen?desk=cu&sort=rep&band=$100-200M ranked tables for any filter the desks offer - https://getbookiq.com/screen?desk=cu&fom=community&lid=1&model=mortgage&reach=chklo credit union lenses: field of membership (community, multiple, single, associational, state), lid=1, mdi=1, business model (mono, autoheavy, indirect, mortgage, card, biz, club, pbuyer, pseller), reach (chkhi, chklo, fomlo, fomhi), funding (certheavy, corefunded, borrow, cashrich, loanedup) - https://getbookiq.com/system the credit union system by band, the validation lift table, the deterioration signature - https://getbookiq.com/autopsy every FDIC failure since 2011 with the score in its last filing, plus the banking system by quarter - https://getbookiq.com/participation the participation market: flows, collateral split, top sellers and buyers with why they are on the list - https://getbookiq.com/deals every auto ABS deal on the desk with its latest tape read and flags - https://getbookiq.com/filers the SEC-filing consumer lenders with tier, score and flags - https://getbookiq.com/postmortems?desk=cu|bank&band=&fom=&st=&year=&minscore= the postmortem studio: institutions that STOPPED FILING (not died), the median path out, departures by quarter, the cohort list - https://getbookiq.com/curves?lender=&band=&vintage=&metric= vintage curves (ever 60+ or ever extended by month on book) from the counted cells - https://getbookiq.com/text//.md the prose tabs as markdown: cu-intel/meaning, cu-intel/system, cu-intel/screens, bank-desk/meaning, bank-desk/method, bank-desk/autopsy, bank-desk/screens, intel/meaning, intel/rebuild, intel/perim, intel/market, intel/system, participation-desk/meaning, participation-desk/method, participation-desk/sheets (index: https://getbookiq.com/text/) - https://getbookiq.com/llms-full.txt everything above concatenated into one file - Path form also works: https://getbookiq.com/read/cu/9003, https://getbookiq.com/read/bank/3511, https://getbookiq.com/read/co/ALLY, https://getbookiq.com/read/deal/SDART-2023-6 - https://getbookiq.com/compare?cus=9003,1682,66327&q=2026-03 up to ten credit unions side by side with the band median (the board-pack table; the page version adds rankings, trends, charts and an Excel workbook) ## Raw data (same files the pages draw from) - https://getbookiq.com/bank-desk/data/summary.json (every bank, latest row) · https://getbookiq.com/bank-desk/data/stats.json (columns, band medians, validation) - https://getbookiq.com/cu-intel/data/summary.json · https://getbookiq.com/cu-intel/data/stats.json - https://getbookiq.com/participation-desk/data/part.json (the participation market, 1,940 active credit unions) - https://getbookiq.com/intel/data/pubco.json (filers) · https://getbookiq.com/intel/data/abs.json (deals) · https://getbookiq.com/intel/data/curves.json (counted cells for any lender x band x vintage) - https://getbookiq.com/desk/data/index.json (every institution with its verdict tag and page URL) - https://getbookiq.com/dictionary/ (static HTML: every field, filed or derived, formula and source codes; deep links like /dictionary/#bank-LNNDEPD) ## Rules for reading it - Every number is a filed figure or arithmetic on filed figures with the formula shown. A flag is a question, never a finding; the verdict says "could be". - Departed means stopped filing. For credit unions that is almost always a merger. Banks carry a separate FAILED status from the FDIC's own list. - Thresholds were set by judgement from regulatory lines and band percentiles, never fitted to outcomes. Score 7+ is validated against departures, with the misses published (SVB scored 2, Signature 3, First Republic 1 four quarters out). - The data is a quarter old by construction: NCUA and FDIC publish six to ten weeks after quarter end. Deal tapes are monthly. - Headlines come from Google News for the institution's name and are unfiltered; nothing in them feeds a score. - Extension-adjusted delinquency is a modeling choice with a stated window; never quote the gap without it. ## Sources NCUA 5300 call report bulk files; FDIC BankFind; SEC XBRL company facts; SEC Form ABS-EE loan tapes. All public, no vendor data. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide