# NCUA credit union data (remote · ncua-data-analysis.fly.dev)

NCUA call report data for US credit unions, 2018-2026: profiles, peer comparison, time series.

- Trust score: 62/100 (medium)
- Change this week: +4
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-10-18

## Components

- remote · `ncua-data-analysis.fly.dev`: 62/100 (this document), [markdown](https://verifymcp.io/servers/bnovarini-ncua-data-analysis/ncua-data-analysis.md), [page](https://verifymcp.io/servers/bnovarini-ncua-data-analysis/ncua-data-analysis)

## Channel facts

- Endpoint: `https://ncua-data-analysis.fly.dev/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.1.7`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-10-18.

- **Endpoint Security**: 57/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 6 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 50/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 6405 tokens (~1067/item across 6 items; 6 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 33/100
  - Stability observed for 10 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 71/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 0% of tool parameters carry a description.
  - Structured output schemas are declared (67% of tools); any adoption earns full credit.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 6 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 7 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the NCUA credit union data MCP server?

NCUA credit union data is a hosted endpoint at https://ncua-data-analysis.fly.dev/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http bnovarini-ncua-data-analysis 'https://ncua-data-analysis.fly.dev/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "bnovarini-ncua-data-analysis": {
      "url": "https://ncua-data-analysis.fly.dev/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "bnovarini-ncua-data-analysis": {
      "type": "http",
      "url": "https://ncua-data-analysis.fly.dev/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.bnovarini-ncua-data-analysis]
url = "https://ncua-data-analysis.fly.dev/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "bnovarini-ncua-data-analysis": {
      "type": "remote",
      "url": "https://ncua-data-analysis.fly.dev/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add bnovarini-ncua-data-analysis --url 'https://ncua-data-analysis.fly.dev/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  bnovarini-ncua-data-analysis:
    url: "https://ncua-data-analysis.fly.dev/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "bnovarini-ncua-data-analysis": {
      "Transport": "http",
      "Url": "https://ncua-data-analysis.fly.dev/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add bnovarini-ncua-data-analysis -t streamable-http -u 'https://ncua-data-analysis.fly.dev/mcp'
```

### Other

```json
{
  "mcpServers": {
    "bnovarini-ncua-data-analysis": {
      "type": "http",
      "url": "https://ncua-data-analysis.fly.dev/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-10-17 (score 62, +1)

No change was recorded against any check on this day. Stability & Change Management went from 27 to 30. That category is still filling its 30-day observation window: 8 days of observed history at the previous scan, 9 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-15 (score 61, +1)

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-13 (score 60, +1)

No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-12 (score 59, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 13. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-10 (score 58)

First indexed and scored.

## MCP tools (6)

### `list_fields` (~1329 tokens)

List available fields with plain-language definitions from the data dictionary. Filter by table ('metrics' = computed ratios, 'fact_call_report_curated' = reported amounts, 'dim_credit_union' = attributes), by search text, or both. Fields marked basis=year_to_date reset each January; metric_series can de-cumulate them. Computed metrics available: asset_growth_yoy (Total assets versus the same quarter one year earlier); loan_growth_yoy (Total loans versus the same quarter one year earlier); share_growth_yoy (Total shares and deposits versus one year earlier); member_growth_yoy (Members versus one year earlier); auto_loan_growth_yoy (New plus used vehicle loans versus one year earlier); first_lien_growth_yoy (First-lien 1-4 family loans versus one year earlier); loan_to_share (Loans divided by total shares and deposits); loans_to_assets (Loans divided by total assets); net_worth_to_assets (Net worth divided by total assets (1.0 = 100%)); allowance_to_loans (Allowance for credit losses divided by total loans); net_worth_ratio_ex_cecl (Net worth minus the CECL transition provision, over assets); deposit_mix_share_drafts (Share draft (checking) accounts as a share of total shares and deposits); deposit_mix_regular (Regular shares as a share of total shares and deposits); deposit_mix_money_market (Money market shares as a share of total shares and deposits); deposit_mix_certificates (Share certificates as a share of total shares and deposits); deposit_mix_ira_keogh (IRA and Keogh accounts as a share of total shares and deposits); deposit_mix_non_member (Non-member deposits as a share of total shares and deposits); avg_balance_per_listed_account (Total shares and deposits over the count of share draft, certificate, money market, IRA a…); employees_fte_estimate (Full-time employees plus half of part-time employees); members_per_fte (Members per estimated full-time-equivalent employee); assets_per_fte (Assets per estimated full-time-equivalent employee); compensation_per_ft…

Input parameters:

- `limit` (integer)
- `search`
- `table`

Output parameters:

- `result` (array)

### `find_credit_union` (~278 tokens)

Find credit unions by name, state, charter type (federal/state) or asset peer group, in a given quarter (default: latest). Name matching ignores case, punctuation and the words 'federal credit union' / 'FCU', so 'SRP Federal Credit Union' finds 'SRP'; partial names work. It also matches former names (a credit union that was renamed shows up under the old name, match = former_name, with its current name) and a few brand names (BECU, PenFed, SECU). Results are ranked: match = exact, starts_with, contains, former_name, then larger assets first. Each row has 'ambiguous': true when several different credit unions fit the name. In that case ask the user which one they mean (use city and state to tell them apart) rather than picking the first. If nothing matches, the result is one row with 'no_match' explaining why (for example the credit union merged or closed, with its last reported quarter). Returns cu_number, name, location, total assets, members. Use the returned cu_number in the other tools. Only federally insured credit unions.

Input parameters:

- `charter_type`
- `limit` (integer)
- `name`
- `peer_group`
- `quarter`
- `state`

Output parameters:

- `result` (array)

### `credit_union_profile` (~63 tokens)

Profile of one credit union for one quarter (default latest): attributes, size, and every computed metric with its plain-language definition available through list_fields. Returns null values where NCUA data has none.

Input parameters:

- `cu_number` (integer, required)
- `quarter`

### `metric_series` (~1786 tokens)

Time series of one metric or reported field. Give cu_number for one credit union. Otherwise it aggregates all federally insured credit unions matching the optional state (2-letter code) / peer_group (1-6) / min_assets filters: aggregate='median' (default for ratios), 'mean', 'sum' (default for dollar and count fields; not allowed on ratios), 'count' (how many credit unions report the field), 'ratio_of_sums' (sum of field / sum of the denominator field, e.g. shares_certificates over total_shares_and_deposits), or 'pooled' (the system-wide version of a ratio metric: total numerators over total denominators, not a median of credit unions; available for efficiency_ratio, delinquency_rate, loan_to_share, loans_to_assets, net_worth_to_assets, net_worth_ratio_ex_cecl, allowance_to_loans, mix_auto, net_chargeoff_rate, roa_year_end_assets, nim_year_end_assets, loan_yield, cost_of_shares, opex_to_assets, the NCUA-basis ratios (roa_ncua_ytd, nim_ncua_ytd, loan_yield_ncua_ytd, cost_of_funds_ncua_ytd, net_chargeoff_rate_ncua_ytd; pooled values reproduce NCUA's published ROA, NIM and net charge-off ratio), the single-quarter ratios (roa_quarterly and the like) and the growth metrics asset/loan/share/member_growth_yoy, which compare the same credit unions a year apart). Median and mean treat every credit union equally, tiny ones included. Year-to-date fields (basis year_to_date in list_fields: income, expenses, charge-offs, loans granted) are returned per quarter by default (quarterly=true: this quarter minus the prior quarter of the same year); quarterly=false returns the raw year-to-date figure, which resets each January. Each row carries basis (and unit for percent-x100 fields); rows with no data explain why. group_by='peer_group' or 'state' returns one row per group (defaults to the latest quarter). Series that cross the 2023 CECL accounting change carry a break_note. Range in quarters like 2021-12; the data runs 2018-03 to the latest quarter. Metrics: asset_growth_yoy (Total…

Input parameters:

- `aggregate`
- `cu_number`
- `denominator`
- `end`
- `field` (string, required)
- `group_by`
- `min_assets`
- `peer_group`
- `quarterly`
- `start`
- `state`
- `year_end_only` (boolean)

Output parameters:

- `result` (array)

### `peer_compare` (~1359 tokens)

Compare one credit union with its peers on chosen metrics or fields (default: a standard set). peer_basis: 'peer_group' (same asset-size group, default), 'state', 'charter_type', or 'peer_group_and_state'. Returns the credit union's value, peer median, 25th/75th percentiles, percentile rank (0-100, higher = larger value) and peer count, for the quarter (default latest). Metrics: asset_growth_yoy (Total assets versus the same quarter one year earlier); loan_growth_yoy (Total loans versus the same quarter one year earlier); share_growth_yoy (Total shares and deposits versus one year earlier); member_growth_yoy (Members versus one year earlier); auto_loan_growth_yoy (New plus used vehicle loans versus one year earlier); first_lien_growth_yoy (First-lien 1-4 family loans versus one year earlier); loan_to_share (Loans divided by total shares and deposits); loans_to_assets (Loans divided by total assets); net_worth_to_assets (Net worth divided by total assets (1.0 = 100%)); allowance_to_loans (Allowance for credit losses divided by total loans); net_worth_ratio_ex_cecl (Net worth minus the CECL transition provision, over assets); deposit_mix_share_drafts (Share draft (checking) accounts as a share of total shares and deposits); deposit_mix_regular (Regular shares as a share of total shares and deposits); deposit_mix_money_market (Money market shares as a share of total shares and deposits); deposit_mix_certificates (Share certificates as a share of total shares and deposits); deposit_mix_ira_keogh (IRA and Keogh accounts as a share of total shares and deposits); deposit_mix_non_member (Non-member deposits as a share of total shares and deposits); avg_balance_per_listed_account (Total shares and deposits over the count of share draft, certificate, money market, IRA a…); employees_fte_estimate (Full-time employees plus half of part-time employees); members_per_fte (Members per estimated full-time-equivalent employee); assets_per_fte (Assets per estimated full-time-equivale…

Input parameters:

- `cu_number` (integer, required)
- `metrics`
- `peer_basis` (string)
- `quarter`

### `query_metrics` (~1529 tokens)

Constrained table query, one quarter at a time (default latest), federally insured credit unions only. Pick fields to return, optional filters as [{'field':..., 'op': one of = != > >= < <= in contains, 'value':...}], an order_by field and limit (1 to 200). If more rows match than the limit, the last row is {'truncated': true, ...}. No raw SQL. When order_by is set, credit unions under $10M in assets are left out by default, because tiny credit unions produce extreme ratios (a $1M credit union can show a 34% ROA); rows carry assets_floor_applied. Set min_assets (0 to include everyone) to change it. Year-to-date fields (basis year_to_date in list_fields) are cumulative since January; use the *_quarter metrics for single quarters. Ratios are fractions (0.05 = 5%). Example: top 10 by members_per_fte in peer_group 5. Results over limit end with a truncated row giving total_matching and next_offset; pass offset to page. Field names come from list_fields. Metrics: asset_growth_yoy (Total assets versus the same quarter one year earlier); loan_growth_yoy (Total loans versus the same quarter one year earlier); share_growth_yoy (Total shares and deposits versus one year earlier); member_growth_yoy (Members versus one year earlier); auto_loan_growth_yoy (New plus used vehicle loans versus one year earlier); first_lien_growth_yoy (First-lien 1-4 family loans versus one year earlier); loan_to_share (Loans divided by total shares and deposits); loans_to_assets (Loans divided by total assets); net_worth_to_assets (Net worth divided by total assets (1.0 = 100%)); allowance_to_loans (Allowance for credit losses divided by total loans); net_worth_ratio_ex_cecl (Net worth minus the CECL transition provision, over assets); deposit_mix_share_drafts (Share draft (checking) accounts as a share of total shares and deposits); deposit_mix_regular (Regular shares as a share of total shares and deposits); deposit_mix_money_market (Money market shares as a share of total shares and deposits); d…

Input parameters:

- `descending` (boolean)
- `fields` (array, required)
- `filters`
- `limit` (integer)
- `min_assets`
- `offset` (integer)
- `order_by`
- `quarter`
- `quarterly`

Output parameters:

- `result` (array)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/bnovarini-ncua-data-analysis/ncua-data-analysis#diagnostics

## Score history

- 2026-10-18: 62
- 2026-10-17: 62
- 2026-10-16: 61
- 2026-10-15: 61
- 2026-10-14: 60
- 2026-10-13: 60
- 2026-10-12: 59
- 2026-10-10: 58

## Common questions

### What is the NCUA credit union data MCP server?

NCUA credit union data is an MCP server listed in the public MCP registry as io.github.bnovarini/ncua-data-analysis. NCUA call report data for US credit unions, 2018-2026: profiles, peer comparison, time series. This page covers its hosted endpoint (https://ncua-data-analysis.fly.dev/mcp).

### Is the NCUA credit union data MCP server safe to use?

NCUA credit union data scores 62 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the NCUA credit union data MCP server expose?

NCUA credit union data exposes 6 tools: list_fields, find_credit_union, credit_union_profile, metric_series, peer_compare, query_metrics. Their descriptions and schemas cost roughly 6,344 tokens of context every time the server is loaded.

### Does the NCUA credit union data MCP server require authentication?

No. We connected to NCUA credit union data without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the NCUA credit union data MCP server still maintained?

NCUA credit union data is still listed as active in the MCP registry. We last reached this channel on 18 October 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://ncua-data-analysis.fly.dev/mcp
- Repository: https://github.com/bnovarini/ncua-data-analysis
- Changelog RSS feed: https://verifymcp.io/servers/bnovarini-ncua-data-analysis/ncua-data-analysis.xml
- Changelog JSON feed: https://verifymcp.io/servers/bnovarini-ncua-data-analysis/ncua-data-analysis.json
- HTML version of this page: https://verifymcp.io/servers/bnovarini-ncua-data-analysis/ncua-data-analysis