BankProspector - Credit Unions

Individual Credit Union Pages

Credit union pages work very similarly to bank pages, with a few differences in the data reported. Credit unions report to the NCUA rather than the FDIC, so some of the metrics and terminology are different.

Key Differences from Banks

• Charter Number is used instead of FDIC Certificate Number.
• Net Worth Ratio replaces the Tier 1 Leverage ratio.
• Delinquency Rate and Loan-to-Share ratio are credit union-specific health metrics.
• Delinquent (rather than NPL) categories include Real Estate, Auto, Credit Card, and Consumer.
• Credit unions report REO but typically at lower volumes than banks.

The page layout — Overview, History, Contacts, and Branches — follows the same structure as bank pages, so once you’re comfortable with one, you’ll feel right at home with the other.

Note: Credit union data is updated whenever the NCUA publishes new data, which is typically on a quarterly basis. Bank data is updated nightly.