Prefer to ask in plain English? The MCP server puts these same tools inside Claude, Cursor and Claude Code.
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.
Screen and list. Filters mirror the screener.
| Parameter | Meaning |
|---|---|
type | bank or credit_union |
state | Comma-separated USPS codes, e.g. GA,FL,AL |
band | Asset band(s): <100M, 100M-500M, 500M-1B, 1B-10B, 10B+ |
q | Name contains |
holding | Holding-company name contains (banks; from the FDIC-reported parent) |
<metric>_min / _max | Range 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, uninsured_deposit_share, brokered_deposit_share, borrowings_to_assets, securities_loss_to_capital, tech_spend_bps, tech_spend_share, tech_spend_yoy_pct |
sort, dir | Sort 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, uninsured_deposit_share, brokered_deposit_share, borrowings_to_assets, securities_loss_to_capital, tech_spend_bps, tech_spend_yoy_pct) and asc/desc |
limit, offset | Page 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 }Full profile plus ratios (latest quarter, all 21 — including uninsured deposit share, brokered deposits, borrowings and securities losses ÷ capital), 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
Quarterly call-report history (financials: assets, deposits, loans, equity, income lines…) and computed ratios per quarter, newest first. Up to 40 quarters.
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.
Median of every ratio across a peer group, plus peer_count.
Deposit market share from branch data (FDIC Summary of Deposits, June 30 each year; credit-union deposits estimated and flagged estimated). Three shapes:
| Query | Returns |
|---|---|
?geo=county&id=13121 · ?geo=msa&id=12060 · ?geo=state&id=GA | market totals (deposits, institutions, branches, HHI, leader), history by year, and institutions ranked by deposits with share, share_change (pts vs prior June) and branch_change |
?state=GA | The state row plus every counties and msas market in it |
?q=fulton&state=GA | Counties and metros whose name matches; use the geo_type + geo_id with the first shape |
Pending-deal watch: merger, acquisition and change-in-control applications from the Federal Reserve H.2, OCC CAS, FDIC application actions and NCUA merger approvals, matched to institution ids where the filing names them. Parameters: status (open = pending + approved, default; or pending, approved, consummated, withdrawn), kind (default mergers, acquisitions and control changes; all for everything), state, type, source (fed/occ/fdic/ncua), institution (an id, as acquirer or target), q, days, limit. Each row carries both parties with city, state and assets, the regulator’s description, filed / action / consummation dates, the comment-period end and a link to the filing.
Industry aggregates per quarter × charter type × asset band (all = every band): institution count, total assets/deposits/loans, YoY growth, median ratios and the number losing money, plus signal counts for the quarter and the list of available quarters. Omit quarter for the latest.
Branch openings, closings, acquisitions and sales, June-to-June, with the branch’s last reported deposits (banks). Parameters: year (default latest), state, county (FIPS), type, change (opened/closed/acquired/sold), institution, limit; add summary=1 for one row per institution with counts and net change.
Every county, metro and state the institution has branches in (latest June) with share, rank and market_deposits, plus branch_history (branches, deposits, states, counties by year).
401 missing or bad key · 402 key belongs to a non-Pro account · 429 daily limit · 400 bad parameters (the detail field says which).
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.