MCP connector · bring your own AI

ClaudeChatGPTCursorWindsurfGitHub CopilotGemini CLIClaude Code

Whatever AI you use, it now knows every bank and credit union in America.

Ask it which Florida banks under $1B are over 300% CRE. Which Georgia credit unions lost deposits. What to lead with when you call. CharterBench turns 9,000 call reports into tools any assistant can call. Works with Claude, ChatGPT, Cursor, Windsurf, GitHub Copilot, Gemini CLI, Claude Code — anything that speaks MCP, the open standard for connecting AI to data. Paste one URL, or two minutes of config.

Set it up →See Pro · $29/mo

Which Georgia credit unions over $500M grew loans faster than deposits last year, and what would I lead with on a call?

screen_institutionscredit_union · GA · $500M+ · sort deposits YoYget_peer_medianscredit_union · $1B–10B

One credit union fits. LGE Community Credit Union (Marietta, $2.4B) grew loans +8.6% on flat deposits, so its loan-to-deposit ratio is climbing.

Cost of funds1.62%peers 1.96%

Efficiency ratio76.7%peers 73.0%

Loans YoY+8.6%deposits 0.0%

Lead with deposit-gathering and operating cost. They’re funding loan growth with cheap deposits today, but that runway is finite — a conversation about attracting deposits without paying up, and about the cost base behind a 76.7% efficiency ratio, meets them where they are.

LGE Community Credit Union on CharterBench →

A real exchange (this one in Claude), Q2 2026 call reports. The assistant chose the tools; CharterBench supplied the numbers.

Prospecting“Build me a list of Texas banks between $1B and $10B with efficiency ratios above 75%.” Ranked, with ratios and links, in one message.

Call prep“What changed at ENT Credit Union this quarter, and how does it compare to peers?” Signals, peer medians and talking points before you dial.

Territory planning“Rank every credit union in my six states by deposit growth and tell me which ones crossed $1B.” Your territory, in the order you should work it.

Setup

Get a key. Subscribe to Pro, then create an API key on your account page.
Pick your assistant. Every one below connects to the same hosted endpoint, https://www.charterbench.com/mcp, using your key.

Assistant	Where	What to enter
Claude (web, desktop, mobile)	Settings → Connectors → Add custom connector	URL `https://www.charterbench.com/mcp` · No sign-in · header `Authorization: Bearer cb_live_…`
ChatGPT	Settings → Connectors → Create (developer mode on)	Your personal URL `https://www.charterbench.com/mcp/cb_live_…` · authentication None
Cursor / Windsurf	`.cursor/mcp.json` / `mcp_config.json`	`{ "url": "https://www.charterbench.com/mcp", "headers": { "Authorization": "Bearer cb_live_…" } }`
GitHub Copilot (VS Code)	`.vscode/mcp.json`	Same URL + header as Cursor, type `http`
Gemini CLI	`~/.gemini/settings.json`	`"httpUrl": "https://www.charterbench.com/mcp", "headers": { … }`
Claude Code	Terminal	One line, below

Where the key goes. Header if the client has a headers field; otherwise the personal URL from your account page, which carries the key (treat it like one).

claude mcp add --transport http charterbench https://www.charterbench.com/mcp --header "Authorization: Bearer cb_live_…"

Prefer a local server? The npm package does the same thing on your machine (Node 18+). Claude Desktop: Settings → Developer → Edit Config:

{
  "mcpServers": {
    "charterbench": {
      "command": "npx",
      "args": ["-y", "charterbench-mcp"],
      "env": { "CHARTERBENCH_API_KEY": "cb_live_…" }
    }
  }
}

Ask. You’ll see charterbench with seven tools. Try: “Which credit unions in Georgia over $500M grew loans faster than deposits, and what would I lead with?”

Full tool reference on the MCP docs page; the JSON API is there too if you’d rather script it. Package: charterbench-mcp on npm, source on GitHub.

Questions

Which AI assistants does it work with?

Any that supports MCP (Model Context Protocol), the open standard for connecting assistants to tools: Claude, ChatGPT, Cursor, Windsurf, GitHub Copilot in VS Code, Gemini CLI, Claude Code, and agent frameworks like LangChain and OpenAI Agents. If yours isn't listed, it almost certainly still works — MCP is the same everywhere.

Hosted URL or the npm package?

Same seven tools either way. The hosted URL (charterbench.com/mcp) needs no install and is what claude.ai and ChatGPT accept. The npm package runs on your machine and is there for Claude Desktop and offline-ish setups. Both use your API key and count against the same daily quota.

Where does the data come from?

FDIC BankFind Suite and NCUA 5300 call reports — the same public filings behind every institution page on CharterBench — refreshed weekly, with 17 ratios and peer medians computed on top.

What does my AI actually get?

Seven tools: screen institutions by state, size and any ratio; look up a profile with ratios, peer medians and this quarter's change signals; pull quarterly history; get peer medians; compare up to five side by side; search by name. Your assistant decides which to call and writes the answer.

Is anything sent to CharterBench besides the query?

Only the tool calls — the filters or institution ids your assistant asks for, authenticated with your key. Your conversation stays with your AI provider; we see the same API requests a script would make. The hosted endpoint keeps no session state between calls.

What does it cost?

It's included in CharterBench Pro — $29 a month or $290 a year — along with the full screener, CSV export, ratio pack, compare, briefs and alerts. Same 5,000 requests a day as the API.

Included with CharterBench Pro.

$29 a month, cancel any time. Screener, export, ratio pack, compare, briefs, alerts — and whichever AI you use, informed.

Start with Pro →

Built by Dr. Jason Duke, who spent fifteen years selling to banks and credit unions and wanted this on every call.

Whatever AI you use, it now knows every bank and credit union in America.

Setup

Get a key. Subscribe to Pro, then create an API key on your account page.

Pick your assistant. Every one below connects to the same hosted endpoint, https://www.charterbench.com/mcp, using your key.

Assistant	Where	What to enter
Claude (web, desktop, mobile)	Settings → Connectors → Add custom connector	URL `https://www.charterbench.com/mcp` · No sign-in · header `Authorization: Bearer cb_live_…`
ChatGPT	Settings → Connectors → Create (developer mode on)	Your personal URL `https://www.charterbench.com/mcp/cb_live_…` · authentication None
Cursor / Windsurf	`.cursor/mcp.json` / `mcp_config.json`	`{ "url": "https://www.charterbench.com/mcp", "headers": { "Authorization": "Bearer cb_live_…" } }`
GitHub Copilot (VS Code)	`.vscode/mcp.json`	Same URL + header as Cursor, type `http`
Gemini CLI	`~/.gemini/settings.json`	`"httpUrl": "https://www.charterbench.com/mcp", "headers": { … }`
Claude Code	Terminal	One line, below

Where the key goes. Header if the client has a headers field; otherwise the personal URL from your account page, which carries the key (treat it like one).

claude mcp add --transport http charterbench https://www.charterbench.com/mcp --header "Authorization: Bearer cb_live_…"

Prefer a local server? The npm package does the same thing on your machine (Node 18+). Claude Desktop: Settings → Developer → Edit Config:

{ "mcpServers": { "charterbench": { "command": "npx", "args": ["-y", "charterbench-mcp"], "env": { "CHARTERBENCH_API_KEY": "cb_live_…" } } } }

Ask. You’ll see charterbench with seven tools. Try: “Which credit unions in Georgia over $500M grew loans faster than deposits, and what would I lead with?”