CharterBench in your AI assistant

An MCP server that lets Claude, Cursor, Windsurf or Claude Code screen, profile, compare and track every U.S. bank and credit union — in plain English.

What you can ask

“Which Georgia credit unions over $500M lost deposits in the last year, and what should I lead with?”
“Compare Delta Community, Georgia’s Own and Truist on efficiency and cost of funds.”
“Build me a prospect list of Texas banks between $1B and $10B with CRE concentration above 300%.”
“What changed at ENT Credit Union this quarter?”

Hosted endpoint (no install)

https://www.charterbench.com/mcp — Streamable HTTP, stateless. Authenticate with Authorization: Bearer cb_live_…, or for clients that only take a URL (claude.ai custom connectors, ChatGPT connectors) use https://www.charterbench.com/mcp/cb_live_…. Your account page shows the URL when you create a key. Claude Code: claude mcp add --transport http charterbench https://www.charterbench.com/mcp --header "Authorization: Bearer cb_live_…". Cursor/Windsurf: { "url": "https://www.charterbench.com/mcp", "headers": { "Authorization": "Bearer cb_live_…" } }.

Local package (Claude Desktop)

1. Create an API key on your account page (CharterBench Pro).
2. Add this to your MCP client’s config — Claude Desktop: Settings → Developer → Edit Config; Cursor: .cursor/mcp.json; Windsurf: mcp_config.json.

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

Claude Code, one line:

claude mcp add charterbench -e CHARTERBENCH_API_KEY=cb_live_… -- npx -y charterbench-mcp

Needs Node 18+. The server runs on your machine and calls the CharterBench API with your key; nothing else is sent anywhere. Same 5,000 requests/day quota as the API.

Tools it provides

Tool	Does
`screen_institutions`	Filter by type, state, asset band and any ratio range; sort; ranked rows with links
`search_institutions`	Name → id
`get_institution`	Profile, growth, all 21 ratios, peer medians, this quarter’s signals, link to the brief
`get_financial_history`	Quarterly history with ratios
`get_signals`	Change signals with seller-oriented explanations
`get_peer_medians`	Medians for a charter type × asset band
`compare_institutions`	2–5 institutions side by side, plus the interactive compare link
`find_markets`	Counties and metros by name → market ids, totals, leader, HHI
`get_pending_deals`	Merger, acquisition and change-in-control applications from the Fed, OCC, FDIC and NCUA — by state, type, status or institution
`get_industry_summary`	Quarterly totals, growth, median ratios by charter type and asset band, signal counts — the State of the Industry as data
`get_branch_changes`	Branches opened, closed, acquired or sold June-to-June — per branch or per institution, by state, county or type
`get_market_share`	An institution’s share and rank in every market it has branches in, or a market’s full league table with year-over-year share change

Source: github.com/auburnduke/charterbench/mcp (MIT). Package: charterbench-mcp on npm.