CharterBench

API

JSON over HTTPS. Same data as the site, for your CRM, spreadsheets, or scripts.

Prefer to ask in plain English? The MCP server puts these same tools inside Claude, Cursor and Claude Code.

Authentication

Create a key on your account page (CharterBench Pro). Send it as a bearer token. Every response includes X-RateLimit-Remaining; the limit is 5,000 requests per key per day, resetting at 00:00 UTC.

curl -H "Authorization: Bearer cb_live_…" \
  "https://www.charterbench.com/api/v1/institutions?type=credit_union&state=GA&sort=assets_yoy_pct&limit=25"

Institution ids look like fdic-9846 (FDIC certificate) or ncua-66357 (NCUA charter). Money is in dollars; ratios are percentages; dates are ISO.

GET /institutions

Screen and list. Filters mirror the screener.

ParameterMeaning
typebank or credit_union
stateComma-separated USPS codes, e.g. GA,FL,AL
bandAsset band(s): <100M, 100M-500M, 500M-1B, 1B-10B, 10B+
qName contains
<metric>_min / _maxRange filters on: assets_yoy_pct, deposits_yoy_pct, loans_yoy_pct, members_yoy_pct, roa, roe, loan_to_deposit_pct, capital_ratio_pct, efficiency_ratio, net_interest_margin, cost_of_funds, non_interest_income_share, nonperforming_ratio, net_charge_off_rate, cre_concentration
sort, dirSort column (total_assets, assets_yoy_pct, deposits_yoy_pct, loans_yoy_pct, members_yoy_pct, roa, roe, loan_to_deposit_pct, capital_ratio_pct, efficiency_ratio, net_interest_margin, cost_of_funds, net_charge_off_rate, cre_concentration) and asc/desc
limit, offsetPage size up to 1000; offset for paging. Response includes total.
{ "data": [ { "id": "ncua-66357", "type": "credit_union", "name": "Delta Community Credit Union", "state": "GA",
             "total_assets": 9140000000, "assets_yoy_pct": 2.6, "roa": 0.98, "efficiency_ratio": 71.5, … } ],
  "total": 72, "limit": 25, "offset": 0 }

GET /institutions/{id}

Full profile plus ratios (latest quarter, all 17), growth (YoY), peer_medians for its asset band and charter type, and this quarter’s signals.

curl -H "Authorization: Bearer cb_live_…" https://www.charterbench.com/api/v1/institutions/ncua-66357

GET /institutions/{id}/financials?limit=8

Quarterly call-report history (financials: assets, deposits, loans, equity, income lines…) and computed ratios per quarter, newest first. Up to 40 quarters.

GET /institutions/{id}/signals

Every change signal we’ve computed for the institution — deposits down, delinquency up, crossed $1B, net loss and so on — each with severity (good/warn/info), a one-line text and a why it matters to a seller.

GET /peers?type=bank&band=1B-10B

Median of every ratio across a peer group, plus peer_count.

Errors

401 missing or bad key · 402 key belongs to a non-Pro account · 429 daily limit · 400 bad parameters (the detail field says which).

Terms

Underlying data is public (FDIC BankFind Suite, NCUA 5300 call reports), refreshed weekly. Use it in your own tools and CRM freely; please don’t resell the feed as a data product. Not investment advice.

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