Credit Union Ledger MCP

Provides access to NCUA call-report data for all US credit unions, enabling agents to search credit unions, retrieve detailed financial metrics and peer percentiles, compare institutions, generate rankings, and find branch locations.

Visit Credit Union Ledger

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Vendor evidenceStreamable HTTPNo sign-inEndpoint checked 2026-11-02Operated by Credit Union Ledger

MCP endpoint (Streamable HTTP)

https://creditunions.online/mcp

Vendor documentation

What you can do with it

Search for credit unions by name, city, or charter number
Retrieve detailed financial ratios and peer percentiles for a specific credit union
Compare multiple credit unions side-by-side on metrics like capital and loan quality
Find branch offices in a specific city or ZIP code

Source and maintenance

Vendor evidenceRegistry 1.2026.1101.0

mcp-registry: online.creditunions/creditunions-online@1.2026.1101.0 Project website

Protocol and capabilities

Server: credit-union-ledger 1.0.0
MCP protocol: 2025-06-18
Tools: 9 advertised
Resources: Not advertised
Resource templates: Not advertised
Prompts: Not advertised

Server-advertised capabilities

{
  "tools": {
    "listChanged": false
  }
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

Data on every US credit union that files NCUA's 5300 call report: size, growth, capital, earnings, loan quality, lending and deposit mix, and loan rates, with peer percentiles. Find charter numbers with search_credit_unions, then use get_credit_union, compare_credit_unions, rank_credit_unions or peer_report. Cite the quarter and the page URL each result gives. Figures are what each credit union filed; this is not a safety rating or financial advice, and the publisher is not affiliated with NCUA.

Tools

9 advertised

search_credit_unions — Search credit unions

Advertised by the server during the last successful anonymous check.

Advertised read-only

Find US credit unions by name, trade name (e.g. "SECU", "BECU"), city or NCUA charter number. Returns matches largest first, with charter numbers to pass to the other tools.

search_credit_unions input schema

{
  "type": "object",
  "required": [
    "query"
  ],
  "properties": {
    "limit": {
      "type": "integer",
      "default": 10,
      "maximum": 50,
      "minimum": 1
    },
    "query": {
      "type": "string",
      "maxLength": 200,
      "minLength": 1,
      "description": "Name, trade name, city or charter number."
    },
    "state": {
      "type": "string",
      "maxLength": 40,
      "minLength": 2,
      "description": "Optional two-letter state code or state name to narrow results."
    }
  },
  "additionalProperties": false
}

search_credit_unions annotations

{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

get_credit_union — Get one credit union

Advertised by the server during the last successful anonymous check.

Advertised read-only

Full profile of one credit union from its latest NCUA call report: address, phone, charter, every ratio (capital, earnings, loan quality, growth, lending and deposit mix, loan rates) with national and peer-group percentiles, five quarters of history and offices.

get_credit_union input schema

{
  "type": "object",
  "required": [
    "charter_or_name"
  ],
  "properties": {
    "charter_or_name": {
      "type": "string",
      "maxLength": 200,
      "minLength": 1,
      "description": "NCUA charter number (best) or a name; a name resolves to the largest match."
    }
  },
  "additionalProperties": false
}

get_credit_union annotations

{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

compare_credit_unions — Compare credit unions

Advertised by the server during the last successful anonymous check.

Advertised read-only

Side-by-side comparison of 2 to 6 credit unions on chosen metrics (default: size, growth, capital, earnings, loan quality, fees and loan rates).

compare_credit_unions input schema

{
  "type": "object",
  "required": [
    "charters"
  ],
  "properties": {
    "metrics": {
      "type": "array",
      "items": {
        "type": "string",
        "maxLength": 60,
        "minLength": 1
      },
      "maxItems": 30,
      "description": "Metric keys from list_metrics. Optional."
    },
    "charters": {
      "type": "array",
      "items": {
        "type": "string",
        "maxLength": 200,
        "minLength": 1
      },
      "maxItems": 6,
      "minItems": 2,
      "description": "NCUA charter numbers or names."
    }
  },
  "additionalProperties": false
}

compare_credit_unions annotations

{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

rank_credit_unions — Rank credit unions

Advertised by the server during the last successful anonymous check.

Advertised read-only

Rank credit unions on any metric (e.g. largest by assets, highest return on assets, lowest new auto loan rate, best capitalized), nationally or within a state, peer group or asset range. Ratio rankings exclude very small credit unions by default (each metric has a minimum asset size).

rank_credit_unions input schema

{
  "type": "object",
  "required": [
    "metric"
  ],
  "properties": {
    "limit": {
      "type": "integer",
      "default": 25,
      "maximum": 100,
      "minimum": 1
    },
    "order": {
      "enum": [
        "best",
        "worst",
        "highest",
        "lowest"
      ],
      "type": "string",
      "default": "best",
      "description": "\"best\" follows the metric's direction; size metrics rank highest first."
    },
    "state": {
      "type": "string",
      "maxLength": 40,
      "minLength": 2,
      "description": "Two-letter state code or name."
    },
    "metric": {
      "type": "string",
      "maxLength": 60,
      "minLength": 1,
      "description": "Metric key from list_metrics, e.g. assets, roa, nwr, rateNewAuto, memberGrowth."
    },
    "max_assets": {
      "type": "number",
      "minimum": 0,
      "description": "Maximum total assets in dollars."
    },
    "min_assets": {
      "type": "number",
      "minimum": 0,
      "description": "Minimum total assets in dollars. Defaults to the metric's ranking minimum."
    },
    "peer_group": {
      "type": "integer",
      "maximum": 6,
      "minimum": 1,
      "description": "NCUA asset-size peer group 1 (under $2M) to 6 ($500M and up)."
    }
  },
  "additionalProperties": false
}

rank_credit_unions annotations

{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

peer_report — Peer report

Advertised by the server during the last successful anonymous check.

Advertised read-only

How one credit union compares with its peers on every ratio that has a better direction: value, peer median, percentile, and its clearest strengths and weaknesses. Peers = its NCUA asset-size group nationally, every credit union in its state, or its asset-size group within its state.

peer_report input schema

{
  "type": "object",
  "required": [
    "charter"
  ],
  "properties": {
    "peer": {
      "enum": [
        "asset_group",
        "state",
        "state_asset_group"
      ],
      "type": "string",
      "default": "asset_group"
    },
    "charter": {
      "type": "string",
      "maxLength": 200,
      "minLength": 1,
      "description": "NCUA charter number or name."
    }
  },
  "additionalProperties": false
}

peer_report annotations

{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

state_summary — State summary

Advertised by the server during the last successful anonymous check.

Advertised read-only

Credit unions headquartered in one state: count, combined assets, members and loans, delinquency, medians of key ratios and the largest credit unions.

state_summary input schema

{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "top": {
      "type": "integer",
      "default": 10,
      "maximum": 50,
      "minimum": 1
    },
    "state": {
      "type": "string",
      "maxLength": 40,
      "minLength": 2,
      "description": "Two-letter code or state name."
    }
  },
  "additionalProperties": false
}

state_summary annotations

{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

find_offices — Find credit union offices

Advertised by the server during the last successful anonymous check.

Advertised read-only

Credit union branch offices in a city, ZIP code or county (or every office of one credit union in a state), from NCUA's branch file: address, phone, hours, drive-through and ATM. Use for "credit unions near <place>" questions.

find_offices input schema

{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "zip": {
      "type": "string",
      "pattern": "^[0-9]{5}$",
      "description": "Five-digit ZIP code."
    },
    "city": {
      "type": "string",
      "maxLength": 60,
      "minLength": 1,
      "description": "City name, e.g. \"Houston\"."
    },
    "limit": {
      "type": "integer",
      "default": 25,
      "maximum": 100,
      "minimum": 1
    },
    "state": {
      "type": "string",
      "maxLength": 40,
      "minLength": 2,
      "description": "Two-letter code or state name (required)."
    },
    "county": {
      "type": "string",
      "maxLength": 60,
      "minLength": 1,
      "description": "County name without \"County\"."
    },
    "charter_or_name": {
      "type": "string",
      "maxLength": 200,
      "minLength": 1,
      "description": "Limit to one credit union (charter number or name)."
    }
  },
  "additionalProperties": false
}

find_offices annotations

{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

best_credit_unions — Best credit unions

Advertised by the server during the last successful anonymous check.

Advertised read-only

The best credit unions in a state (including those headquartered elsewhere with offices there) or nationally, scored only from NCUA call-report data: deposit dividends, loan rates, fees, strength and member growth, each a percentile against same-size peers. Use for "best credit union in <state>" questions.

best_credit_unions input schema

{
  "type": "object",
  "properties": {
    "limit": {
      "type": "integer",
      "default": 10,
      "maximum": 50,
      "minimum": 1
    },
    "state": {
      "type": "string",
      "maxLength": 40,
      "minLength": 2,
      "description": "Two-letter code or state name; omit for the national list."
    },
    "broad_only": {
      "type": "boolean",
      "default": true,
      "description": "Only credit unions with 100,000+ potential members or open to anyone (ones most people can join)."
    },
    "open_to_anyone": {
      "type": "boolean",
      "default": false,
      "description": "Only credit unions anyone in the US can join."
    }
  },
  "additionalProperties": false
}

best_credit_unions annotations

{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

list_metrics — List metrics

Advertised by the server during the last successful anonymous check.

Advertised read-only

Every metric key the other tools accept, with its definition, unit and which direction is better.

list_metrics input schema

{
  "type": "object",
  "properties": {
    "group": {
      "enum": [
        "size",
        "growth",
        "capital",
        "earnings",
        "credit",
        "lending",
        "deposits",
        "liquidity",
        "operations",
        "rates"
      ],
      "type": "string",
      "description": "Optional group: size, growth, capital, earnings, credit, lending, deposits, liquidity, operations, rates."
    }
  },
  "additionalProperties": false
}

list_metrics annotations

{
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks: 1 of 1 (100%)
Average latency: 535 ms
95th percentile latency: 535 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

Nov 2, 2026, 2:26 AM UTC · probe · passed · 535 ms · metadata changed · 9 tool(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

claude mcp add --transport http credit-union-ledger-mcp https://creditunions.online/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).

Codex configuration

codex mcp add credit-union-ledger-mcp --url https://creditunions.online/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable credit-union-ledger-mcp in your MCP settings.

Cursor configuration

{
  "mcpServers": {
    "credit-union-ledger-mcp": {
      "url": "https://creditunions.online/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).

Cline configuration

{
  "mcpServers": {
    "credit-union-ledger-mcp": {
      "type": "streamableHttp",
      "url": "https://creditunions.online/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start credit-union-ledger-mcp and inspect its tools.

VS Code configuration

{
  "servers": {
    "credit-union-ledger-mcp": {
      "type": "http",
      "url": "https://creditunions.online/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.

Gemini CLI configuration

gemini mcp add --transport http credit-union-ledger-mcp https://creditunions.online/mcp

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.

Claude Desktop configuration

{
  "mcpServers": {
    "credit-union-ledger-mcp": {
      "url": "https://creditunions.online/mcp"
    }
  }
}

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.

Windsurf configuration

{
  "mcpServers": {
    "credit-union-ledger-mcp": {
      "serverUrl": "https://creditunions.online/mcp"
    }
  }
}

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Credit Union Ledger MCP

Endpoint and access

What you can do with it

Source and maintenance

Protocol and capabilities

Server-provided instructions

Tools

Prompts

Resources

30-day availability

Maintenance history

Connect from your client

Claude Code

Codex

Cursor

Cline

VS Code

Gemini CLI

Claude Desktop

Windsurf

Let your agent find its tools

Other data and analytics servers

Do you run Credit Union Ledger MCP?