# getbookiq.com · LendRisk Analytics desks > Public-filing intelligence desks on every US credit union, every FDIC-insured bank, the SEC-filing consumer lenders and the auto ABS deals, every number traceable to a formula. The pages are JavaScript applications; every tab has a text route listed below that returns the same data as markdown. One file with everything: https://getbookiq.com/llms-full.txt Data as of: credit unions 2026-03 (NCUA 5300), banks 2026-06 (FDIC), deals 2026-09-06 (SEC ABS-EE), filers 2026-09-02 (SEC XBRL). Index built 2026-09-09. ## Credit Union Desk · https://getbookiq.com/cu/ The credit union side of the house: CU Intelligence (every federally insured credit union, 6,272 charters across 41 quarters of NCUA 5300 filings) and the Participation Desk (the loan participation market mapped from both sides' filings). For the CFO, the CLO and the buyer of paper. Search a charter here or start in a room. - **Search credit unions** (/cu/#search): one box across every credit union, live or departed, with verdict and score. As text: https://getbookiq.com/screen?desk=cu · https://getbookiq.com/read/cu/ - **Rooms**: CU Intelligence and the Participation Desk, plus the dictionary. https://getbookiq.com/cu-intel/ · https://getbookiq.com/participation-desk/ · https://getbookiq.com/dictionary/ ## Lending Markets · https://getbookiq.com/markets/ Banks, filers and deal tapes: the Bank Desk (every FDIC-insured bank, 7,769 certificates across 62 quarters) and Auto Credit Intelligence (26 SEC-filing consumer lenders and 44 auto ABS deals read loan by loan). For the bank analyst, the ABS investor and the warehouse lender. Search a bank, ticker or deal here or start in a room. - **Search banks, lenders and deals** (/markets/#search): one box across every bank, SEC filer and deal on the desk. As text: https://getbookiq.com/screen?desk=bank · https://getbookiq.com/read/bank/ · https://getbookiq.com/read/co/ · https://getbookiq.com/read/deal/ - **Rooms**: the Bank Desk and Auto Credit Intelligence, plus the dictionary. https://getbookiq.com/bank-desk/ · https://getbookiq.com/intel/ · https://getbookiq.com/dictionary/ ## The Desk · https://getbookiq.com/desk/ The front door. 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), plus one search across every federally insured credit union (6,272), every FDIC-insured bank (7,769), 26 SEC-filing consumer lenders and 44 auto ABS deals. Public filings only, every number traceable to a formula. - **Search everything** (/desk/#search): one box across credit unions, banks, lenders and deals; each row carries type, assets, composite score, verdict tag and status. As text: https://getbookiq.com/desk/data/index.json (every row) · https://getbookiq.com/screen?desk=cu · https://getbookiq.com/screen?desk=bank - **Rooms**: the four desks below and the data dictionary. https://getbookiq.com/cu-intel/ · https://getbookiq.com/bank-desk/ · https://getbookiq.com/participation-desk/ · https://getbookiq.com/intel/ · https://getbookiq.com/dictionary/ ## CU Intelligence · https://getbookiq.com/cu-intel/ 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. - **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/ (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=,,...&q= - **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= - **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/.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/ (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 ## Bank Desk · https://getbookiq.com/bank-desk/ Every FDIC-insured bank (7,769 certificates, 4,313 filing) across 62 quarters of call reports through 2026-06: liquidity and run risk, uninsured deposits, securities losses against equity, loans to non-depository lenders (the warehouse line), the auto book, and 201 failures autopsied with the score each carried in its last filing. - **Market** (/bank-desk/#market): the banking system by quarter and the screens that matter now. As text: https://getbookiq.com/text/bank-desk/market.md · https://getbookiq.com/screen?desk=bank&sort=score&limit=50 - **Autopsy** (/bank-desk/#autopsy): every FDIC failure since 2011 with the desk's score in its last filing, and the validation lift table. As text: https://getbookiq.com/autopsy - **Postmortems** (/bank-desk/#post): the postmortem studio: every bank that stopped filing without failing (mergers, conversions, wind-downs; failures are on Autopsy), cut by band, state and year; the median path out, living banks on the same path, the cohort list. As text: https://getbookiq.com/postmortems?desk=bank&band=&st=&year= - **Bank Lookup** (/bank-desk/#bank): one bank: verdict, flags, ratios with band percentiles, the quarter each flag first fired, headlines. As text: https://getbookiq.com/read/bank/ - **Screens** (/bank-desk/#screens): saved screens: buyers, sellers, warehouse lenders, auto books, stressed, run risk. As text: https://getbookiq.com/text/bank-desk/screens.md - **Method** (/bank-desk/#method): how the desk is built and what it cannot see. As text: https://getbookiq.com/text/bank-desk/method.md - **Data** (/bank-desk/#data): the data sheet for the bank on the lookup. As text: https://getbookiq.com/bank-desk/data/summary.json · https://getbookiq.com/bank-desk/data/stats.json · https://getbookiq.com/bank-desk/data/h/.json - **What it means** (/bank-desk/#meaning): how to read every measure on the bank desk. As text: https://getbookiq.com/text/bank-desk/meaning.md - **Flags**: liq_ltd = loans exceed deposits; liq_uninsured = uninsured deposits >50%; liq_brokered = brokered >10%; liq_wholesale = wholesale funding >15%; liq_thin = liquid assets <10%; liq_runrisk = run vulnerability; cap_low = leverage <7%; cap_critical = leverage <5%; cap_falling = capital falling; cap_aoci = AOCI drag >20% of equity; cap_secloss = securities losses >30% of equity; earn_negative = losing money; earn_efficiency = expense ratio p90; earn_nim = NIM <2.5%; aq_noncurrent = noncurrent p90; aq_nco = charge-offs p90; aq_reserve = reserve under noncurrent; conc_construction = construction >100% equity; conc_warehouse = loans-to-lenders >50% equity; conc_auto = auto book souring; shrink_deposits = deposits shrinking; shrink_assets = assets shrinking; flight_uninsured = uninsured deposits leaving. https://getbookiq.com/dictionary/#bank ## Participation Desk · https://getbookiq.com/participation-desk/ The credit union loan participation market mapped from the buyers' and sellers' own 5300 filings through 2026-03: flows by quarter and collateral, 1,940 active participants, habitual sellers, buyers with 701.22 due-diligence exposure, call sheets, and each credit union's position. No filing names a counterparty; the desk shows both sides of a market its participants cannot see. - **Market** (/participation-desk/#market): flows by quarter, the collateral split, sellers and buyers. As text: https://getbookiq.com/participation - **CU Lookup** (/participation-desk/#cu): one credit union's participation posture over 41 quarters. As text: https://getbookiq.com/read/cu/ (participation section) - **Call Sheets** (/participation-desk/#sheets): the sellers and buyers as call lists with the reason each is on the list. As text: https://getbookiq.com/text/participation-desk/sheets.md - **Method** (/participation-desk/#method): how the market map is built from one-sided filings. As text: https://getbookiq.com/text/participation-desk/method.md - **Data** (/participation-desk/#data): every row. As text: https://getbookiq.com/participation-desk/data/part.json - **What it means** (/participation-desk/#meaning): how to read participation flows, 701.22, and the risks the filing cannot show. As text: https://getbookiq.com/text/participation-desk/meaning.md ## Auto Credit Intelligence · https://getbookiq.com/intel/ Two censuses in one room: 26 SEC-filing consumer lenders read from XBRL (reserve bleed, coverage, non-reliance filings) and 44 auto ABS deals read loan by loan from Reg AB II tapes (907,334 loans, 14 lenders): reported against extension-adjusted delinquency, cumulative net loss against the band, vintage curves by lender, band and origination quarter, and the bonds on top with hard enhancement against two stresses. - **Filers** (/intel/#board): every SEC-filing consumer lender with tier, score and flags. As text: https://getbookiq.com/filers - **Filer Read** (/intel/#co): one filer: the statement read, flags, events, insights. As text: https://getbookiq.com/read/co/ - **The Market** (/intel/#market): the below-prime index and the band series from the deal tapes. As text: https://getbookiq.com/text/intel/market.md · https://getbookiq.com/intel/data/index.json - **Deals** (/intel/#deals): every deal on the desk with its latest tape read, flags and the rejected list. As text: https://getbookiq.com/deals - **Deal Read** (/intel/#deal): one deal: pool snapshot, monthly tape series, extension masking, roll, mix drift, vintages, and the bonds on top. As text: https://getbookiq.com/read/deal/ (example https://getbookiq.com/read/deal/SDART-2023-6) - **Curves** (/intel/#curves): ever 60+ and ever extended by month on book for any lender, band and vintage; combine or separate lenders; post composer. As text: https://getbookiq.com/curves (summary) · https://getbookiq.com/curves?lender=Exeter&band=subprime&vintage=2024 - **Perimeter** (/intel/#perim): who is on the desk, who is not, and why. As text: https://getbookiq.com/text/intel/perim.md - **Rebuild It** (/intel/#rebuild): how to reproduce every number from EDGAR yourself. As text: https://getbookiq.com/text/intel/rebuild.md - **System** (/intel/#system): the deal population, bands and validation. As text: https://getbookiq.com/text/intel/system.md - **Screens** (/intel/#screens): saved screens across filers and deals. As text: https://getbookiq.com/text/intel/screens.md - **Data** (/intel/#data): every row. As text: https://getbookiq.com/intel/data/pubco.json · https://getbookiq.com/intel/data/abs.json · https://getbookiq.com/intel/data/curves.json · https://getbookiq.com/intel/data/vintage.json · https://getbookiq.com/intel/data/tranches.json - **What it means** (/intel/#meaning): how to read filers and deals: every measure, its limits, the masking arithmetic. As text: https://getbookiq.com/text/intel/meaning.md - **Flags, filers**: scissors = Allowance coverage falling while the loss rate rises; reserve_bleed = Provision below net charge-offs for consecutive quarters; reserve_bleed_deep = Provision below net charge-offs for four or more quarters; coverage_falling = Allowance coverage down year over year; losses_rising = Net charge-off rate up year over year; growth_thin = Book growing while reserve coverage thins; nonaccrual_rising = Nonaccrual share climbing; dq_rising = Past-due share climbing year over year; dq_vs_reserve = Past due rising while allowance coverage falls; reserve_thin = Allowance covers under three quarters of the current loss burn; equity_thin = Equity under a tenth of assets; equity_negative = Shareholders' equity is negative; equity_eroding = Equity share of assets falling sharply year over year; book_disposed = Receivables book no longer reported; nonreliance = Filed a non-reliance 8-K; late_filing = Filed a late-filing notice - **Flags, deals**: masking_severe = Extension-adjusted 60+ delinquency exceeds reported by more than 200bps; masking = Extension-adjusted 60+ delinquency exceeds reported by more than 75bps; ext_stock_rising = Share of the pool touched by an extension rising sharply; cnl_above_band = Cumulative net loss above the peer median at the same seasoning; dq_above_band = Reported 60+ delinquency above the peer median at the same seasoning; recovery_weak = Cumulative recoveries under a third of charged-off principal ## Data dictionary · https://getbookiq.com/dictionary/ Every field on every desk, filed or derived, with its formula and the regulator's own account codes: NCUA 5300, FDIC call report, SEC XBRL tags and ABS-EE tape fields. ## Text routes, all of them - https://getbookiq.com/guide the route guide with parameters - https://getbookiq.com/read/cu/ · https://getbookiq.com/read/bank/ · https://getbookiq.com/read/co/ · https://getbookiq.com/read/deal/ - https://getbookiq.com/screen?desk=cu|bank&sort=&limit=&band=&st=&flag=&q=&minassets=&maxassets=&live= - https://getbookiq.com/compare?cus=&q= - https://getbookiq.com/system · https://getbookiq.com/autopsy · https://getbookiq.com/participation · https://getbookiq.com/deals · https://getbookiq.com/filers · https://getbookiq.com/curves - https://getbookiq.com/text/ (index of the prose tabs as markdown) - https://getbookiq.com/sitemap.xml (every page and every institution's read) ## 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; every 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. - 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. - Nothing here is a rating, a recommendation, or a statement about any named institution beyond what its own filing says. ## Sources NCUA 5300 call report bulk files; FDIC BankFind and call reports; SEC XBRL company facts; SEC Form ABS-EE loan tapes and 10-D servicer reports. All public, no vendor data. Published by LendRisk Analytics.