National Credit Union Association's Call Report Dataset
Author: Noah Gomez
Created: 1 July 2023
Published: 19 December 2023
Updated: 30 May 2024
Status: Active
Active - Continually Updated
Dataset Metadata
Product Concerned: Credit Builder Loan
File Type: Created in Microsoft Excel, Hosted Privately
Availability Status: Public
Mother Catelog: Public Datasets
Mother Catelog Description: A collection of datasets acquired, processed, refined, and analyzed by Thick Credit.
Date Updated
30 May 2024
Description
This table hosts commercial data of over 4600 credit unions in the market. It is a private dataset created by ThickCredit and adapted from the NCUAs database that is not available to the public used to identify, rank, and tailor the best offers to consumers throughout ThickCredit's product and content.
Sample (Image)
Similar Datasets
This dataset is similar to but not the same as:
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the credit builder card dataset,
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the credit builder loan dataset,
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the secured credit card dataset,
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the savings-secured loan dataset, and
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the rent reporting services dataset.
Data Fields in Table
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Charter number. The name of each lender in the dataset.
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Year and quarter. The year and quarter of affiliation for each lender in the dataset.
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Credit Union name. The charter number of each lender in the dataset.
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Street (Mailing address). The street address of each lender in the dataset.
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City (Mailing address). The city of each lender in the dataset.
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State (Mailing address). The state where the lender is located.
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Zip code (Mailing address). The ZIP code of each lender in the dataset.
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Credit Union type. Whether the lender is federal or state insured, for each lender in the dataset.
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NCUA region. The region of each lender in the dataset.
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Low-income designation. Whether the credit union is focused on low-income regions.
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Members. The number of members the credit union has.
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Total assets. The total asset value of each credit union in the dataset.
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Total loans. The total loan value of each credit union in the dataset.
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Total deposits. The total deposits of each credit union in the dataset.
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Return on average assets. The return on average assets ratio for each lender in the dataset.
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Net worth ratio. The net worth ratio for each lender in the dataset.
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Loan-to-share ratio. The loan-to-share ratio for each lender in the dataset.
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ACCT_879D1. A binary flag to indicate the presence of credit builder products, for each lender in the dataset.
Data Quality & Validation
Relevance
Data is chosen and collected with consumer borrowers in
mind. Data fields are limited to metrics that inform decision-making and
risk-mitigation, as well as clerical or other contact information.
Collection
All data is collected each quarter as new call report data surfaces.
Accuracy
Accuracy is reinforced by dual-authentication and continual updating of evolutionary figures.
Completeness
The data is complete because it comes directly from the national credit union administration.
Recency
The data is updated quarterly to include new data and new offers entering the market.
Cleaning
Cleaning is not required for this dataset because the data is collected directly from the source and repurposed from other sources.
Privacy
The dataset is hosted natively offline and on hard drives inaccessible via internet channels.
Validation
We use a conservative framework that eliminates outliers that have a material impact on analytical metrics helpful to consumers.
About the Author
Noah Gomez (founder of Thick Credit) is a transatlantic professional and entrepreneur with 3+ years experience in consumer finance education. He also has 5+ years of experience in corporate finance, including debt financing, M&A, listing preparation, US GAAP and IFRS.
Thick Credit is not a credit repair organization, a credit conseling agency, or a debtor education providor. It does not act on your behalf to communicate with credit reporting agencies or provide pre-bankruptcy credit counseling and pre-discharge debtor education for bankruptcy.
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