Datasets:

tensorust
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ncua-cu-distress-sample

ncua_charter int64	cu_name string	city string	state string	cu_type string	peer_group int64	minority_depository bool	year_opened int64	fed_rssd int64	total_assets int64	total_shares int64	total_loans int64	net_worth int64	delinquent_loans_60plus int64	chargeoffs_ytd int64	recoveries_ytd int64	net_income_ytd int64	net_worth_ratio_pct float64	delinquency_rate_pct float64	net_chargeoff_rate_annual_pct float64	roa_annual_pct float64	net_worth_ratio_pct_jun2025 float64	delinquency_rate_pct_jun2025 float64	net_chargeoff_rate_annual_pct_jun2025 float64	nw_ratio_change_pts float64	delinquency_change_pts float64	chargeoff_change_pts float64	asset_growth_pct float64	pca_category_by_ratio string	distress_flags string	distress_score int64	merger_candidate_profile bool
24,003	CIVIC	RALEIGH	NC	Federal	6	false	1,983	815,398	3,070,961,269	2,558,765,271	2,734,873,881	180,252,363	171,440,800	41,860,257	6,112,664	-47,172,084	5.87	6.27	2.61	-3.07	9.11	4.93	1.23	-3.24	1.34	1.38	-16.2	undercapitalized	nw_under_7;nw_down_1pt;delinq_over_2;delinq_up_half;nco_over_1;losing_money	6	false
61,268	BOTHWELL HOSPITAL EMPLOYEES	SEDALIA	MO	State, federally insured	1	false	1,972	127,596	1,457,314	1,409,123	1,048,346	51,721	54,825	6,662	28	-63,076	3.55	5.23	1.27	-8.66	9.25	0	0	-5.7	5.23	1.27	-21.8	significantly undercapitalized	nw_under_7;nw_down_1pt;delinq_over_2;delinq_up_half;nco_over_1;losing_money	6	true
6,670	CONNECTS	Richmond	VA	Federal	4	false	1,950	810,384	98,053,230	91,359,435	74,588,922	5,251,089	1,382,101	1,119,459	126,386	-834,736	5.36	1.85	2.66	-1.7	8.5	0.74	0.48	-3.14	1.11	2.18	-3.6	undercapitalized	nw_under_7;nw_down_1pt;delinq_up_half;nco_over_1;losing_money	5	true
16,556	SOLUTIONS FIRST	Enterprise	AL	Federal	3	false	1,964	890,685	45,168,199	42,156,011	18,287,371	872,617	444,265	236,424	125,723	-2,171,007	1.93	2.43	1.21	-9.61	6.73	2.21	1.22	-4.8	0.22	-0.01	1.1	critically undercapitalized	nw_under_7;nw_down_1pt;delinq_over_2;nco_over_1;losing_money	5	true
7,520	GULF COAST	MOBILE	AL	Federal	3	true	1,951	624,086	44,222,661	41,528,271	18,162,508	2,623,213	498,334	102,182	56,828	-219,846	5.93	2.74	0.5	-0.99	7.24	1.04	1.27	-1.31	1.7	-0.77	0	undercapitalized	nw_under_7;nw_down_1pt;delinq_over_2;delinq_up_half;losing_money	5	true
4,461	NODA	SLIDELL	LA	Federal	3	false	1,941	707,279	35,752,277	29,963,596	9,923,550	5,454,724	410,623	220,067	28,446	-224,719	15.26	4.14	3.86	-1.26	17.4	3.16	0.53	-2.14	0.98	3.33	6.6	well capitalized	nw_down_1pt;delinq_over_2;delinq_up_half;nco_over_1;losing_money	5	true
20,013	BROCKPORT	Brockport	NY	Federal	3	false	1,970	312,486	15,380,288	14,540,200	6,842,970	677,333	208,790	51,918	12,527	-134,394	4.4	3.05	1.15	-1.75	6.85	3.33	1.11	-2.45	-0.28	0.04	1.8	undercapitalized	nw_under_7;nw_down_1pt;delinq_over_2;nco_over_1;losing_money	5	true
23,540	TULANE/LOYOLA	New Orleans	LA	Federal	3	true	1,979	368,988	15,284,027	14,131,412	11,663,698	1,020,870	271,948	60,970	56,000	-250,205	6.68	2.33	0.09	-3.27	8.59	1.33	2.29	-1.91	1	-2.2	-3.9	adequately capitalized	nw_under_7;nw_down_1pt;delinq_over_2;delinq_up_half;losing_money	5	true
17,885	TRANSIT WORKERS	PHILADELPHIA	PA	Federal	3	true	1,967	656,582	14,607,845	13,148,342	5,050,677	1,442,523	101,018	101,819	12,560	-140,764	9.87	2	3.53	-1.93	10.87	1.42	4.53	-1	0.58	-1	-6.7	well capitalized	nw_down_1pt;delinq_over_2;delinq_up_half;nco_over_1;losing_money	5	true
5,930	HEALTHPLUS	JACKSON	MS	Federal	3	true	1,948	370,477	10,529,682	9,633,963	6,624,318	875,551	564,931	94,253	15,647	-36,785	8.32	8.53	2.37	-0.7	10.31	5.56	5.16	-1.99	2.97	-2.79	1.1	well capitalized	nw_down_1pt;delinq_over_2;delinq_up_half;nco_over_1;losing_money	5	true
5,045	CHICAGO AREA OFFICE	Chicago	IL	Federal	2	true	1,943	164,872	9,442,523	7,381,488	2,512,045	1,934,808	158,723	14,041	1,225	-72,826	20.49	6.32	1.02	-1.54	21.74	3.89	0.09	-1.25	2.43	0.93	1	well capitalized	nw_down_1pt;delinq_over_2;delinq_up_half;nco_over_1;losing_money	5	true
61,724	LOUISIANA CENTRAL	HARAHAN	LA	State, federally insured	2	false	1,942	929,893	9,120,906	9,084,976	6,323,601	-10,172	132,797	184,902	27,189	-517,312	-0.11	2.1	4.99	-11.34	7.26	6.22	4.59	-7.37	-4.12	0.4	-12.1	critically undercapitalized	nw_under_7;nw_down_1pt;delinq_over_2;nco_over_1;losing_money	5	true
20,336	DIVISION 726	STATEN ISLAND	NY	Federal	2	false	1,970	66,088	8,734,695	7,153,240	4,050,049	1,295,043	292,318	232,844	15,084	-103,235	14.83	7.22	10.75	-2.36	17.42	5.82	0.92	-2.59	1.4	9.83	-5.9	well capitalized	nw_down_1pt;delinq_over_2;delinq_up_half;nco_over_1;losing_money	5	true
19,973	SUMMIT HAMPTON ROADS	Norfolk	VA	Federal	2	false	1,970	465,186	8,248,080	7,079,782	4,291,949	1,177,018	124,030	35,624	8,445	-49,147	14.27	2.89	1.27	-1.19	16.17	0.86	0.62	-1.9	2.03	0.65	3.4	well capitalized	nw_down_1pt;delinq_over_2;delinq_up_half;nco_over_1;losing_money	5	true
18,423	S. C. H. D. DIST #7	Orangeburg	SC	Federal	2	false	1,967	672,386	4,929,970	4,012,429	2,254,952	872,382	169,198	27,444	1,300	-18,754	17.7	7.5	2.32	-0.76	18.74	1.16	0.84	-1.04	6.34	1.48	5	well capitalized	nw_down_1pt;delinq_over_2;delinq_up_half;nco_over_1;losing_money	5	true
62,258	COAST GUARD EMPLOYEES	New Orleans	LA	State, federally insured	2	false	1,950	211,990	3,659,608	3,181,977	944,280	467,876	47,306	26,641	1,226	-103,802	12.78	5.01	5.38	-5.67	16.41	2.83	0.5	-3.63	2.18	4.88	-5.4	well capitalized	nw_down_1pt;delinq_over_2;delinq_up_half;nco_over_1;losing_money	5	true
3,226	ACBA FED CREDIT UNION (3226)	Pittsburgh	PA	Federal	2	false	1,939	555,872	3,033,304	2,615,850	1,826,506	410,569	65,803	45,951	2,262	-52,103	13.54	3.6	4.78	-3.44	16.31	2.45	1.75	-2.77	1.15	3.03	-2.4	well capitalized	nw_down_1pt;delinq_over_2;delinq_up_half;nco_over_1;losing_money	5	true
12,735	W B R T	Port Allen	LA	Federal	2	true	1,959	574,088	2,418,229	1,810,378	1,564,911	593,680	168,546	14,369	2,621	-22,311	24.55	10.77	1.5	-1.85	25.83	8.32	2.99	-1.28	2.45	-1.49	-6.4	well capitalized	nw_down_1pt;delinq_over_2;delinq_up_half;nco_over_1;losing_money	5	true
24,937	WEDEVELOPMENT	Kansas City	MO	Federal	2	true	2,022	5,770,698	2,403,756	2,684,041	1,500,167	-280,341	187,122	146,178	43,616	-339,909	-11.66	12.47	13.67	-28.28	4.41	19.36	2.94	-16.07	-6.89	10.73	-12.7	critically undercapitalized	nw_under_7;nw_down_1pt;delinq_over_2;nco_over_1;losing_money	5	true
23,294	VITELCO EMPLOYEES	Charlotte Amali	VI	Federal	1	true	1,979	742,588	1,595,064	1,496,730	443,295	81,919	32,898	11,151	16,717	-47,619	5.14	7.42	-2.51	-5.97	7.85	0.64	0.49	-2.71	6.78	-3	-6.2	undercapitalized	nw_under_7;nw_down_1pt;delinq_over_2;delinq_up_half;losing_money	5	true
68,161	A.U.B. EMPLOYEES'	Athens	TN	State, federally insured	1	false	1,965	642,099	1,440,178	1,058,273	1,197,661	363,056	101,259	8,597	0	-35,730	25.21	8.45	1.44	-4.96	32.5	1.66	0	-7.29	6.79	1.44	-6.9	well capitalized	nw_down_1pt;delinq_over_2;delinq_up_half;nco_over_1;losing_money	5	true
8,255	HOBART IND SCHOOL EMPLOYEES	HOBART	IN	Federal	1	false	1,952	519,481	1,264,031	1,698,314	921,463	-440,361	370,543	0	0	-569,194	-34.84	40.21	0	-90.06	9.5	10.39	7.49	-44.34	29.82	-7.49	-42.9	critically undercapitalized	nw_under_7;nw_down_1pt;delinq_over_2;delinq_up_half;losing_money	5	true
24,769	EMPOWERMENT COMMUNITY DEVELOPMENT	Houston	TX	Federal	1	true	2,006	3,461,312	684,877	647,001	407,878	40,583	171,618	0	0	-39,233	5.93	42.08	0	-11.46	8.1	8.1	0	-2.17	33.98	0	-27.8	undercapitalized	nw_under_7;nw_down_1pt;delinq_over_2;delinq_up_half;losing_money	5	true
17,715	CITIZENS CHOICE	Natchez	MS	Federal	1	true	1,966	460,882	678,620	675,842	331,287	-4,608	18,743	9,526	270	-32,769	-0.68	5.66	5.59	-9.66	4.66	6.63	-0.01	-5.34	-0.97	5.6	-12.9	critically undercapitalized	nw_under_7;nw_down_1pt;delinq_over_2;nco_over_1;losing_money	5	true
4,246	FAR ROCKAWAY POSTAL	Far Rockaway	NY	Federal	1	true	1,941	287,678	221,007	173,161	74,945	47,846	17,734	9,938	752	-18,192	21.65	23.66	24.51	-16.46	30.06	19.05	0	-8.41	4.61	24.51	-4.2	well capitalized	nw_down_1pt;delinq_over_2;delinq_up_half;nco_over_1;losing_money	5	true

Credit Union Distress Screen: free sample (Tensorust LLC)

All 4,299 federally insured credit unions scored on capital, delinquency, charge-offs and earnings; 294 carry 3 or more distress flags.

Headline: Every federally insured credit union's June 30, 2026 call report, scored against June 2025: net worth ratio and its change, 60+ day delinquency and its change, annualized net charge-offs, ROA and asset growth.

This repository is a free teaser, not the dataset. It holds 25 example rows and a summary table with no names in it. The full file has 4,299 rows and is sold by Tensorust LLC: https://tensorust.com/datasets/ncua-cu-distress/.

Files here

file	what it is
`sample.csv`	25 rows of the full file (the same sample shown on tensorust.com)
`summary_by_state.csv`	row counts and totals by state across the full file, no entity names (groups with fewer than 3 rows are folded into "Other")

Summary by state (largest groups)

State	rows	Total assets (USD)
TX	380	163,511,930,874
PA	269	83,918,600,435
NY	268	135,191,503,994
CA	239	323,377,188,321
OH	192	50,459,834,380
IL	188	77,561,365,909
MI	169	121,211,557,074
LA	136	17,701,064,809
NJ	126	15,314,906,149
TN	125	48,781,719,463
IN	121	49,845,187,096
MA	121	44,107,416,580
TOTAL	4,299	2,522,701,113,202

Full table: summary_by_state.csv.

What the full file has

4,299 rows
Key fields: ncua_charter, cu_name, city, state, cu_type, peer_group, minority_depository, year_opened, fed_rssd, total_assets
Parquet and CSV, a README with sources, method and limits, and the build script
Free 25-row sample (no personal contact data)

Coverage: 4,299 credit unions filing the June 30, 2026 NCUA 5300 call report. NCUA call report data for June 30, 2026 (published Aug 2026) and June 30, 2025.

Columns in the full file

column	meaning
`ncua_charter`	NCUA charter number
`cu_name`	Credit union name
`city`	City
`state`	State
`cu_type`	Charter type
`peer_group`	NCUA asset peer group
`minority_depository`	Minority depository institution flag
`year_opened`	Year opened
`fed_rssd`	Federal Reserve RSSD id
`total_assets`	Total assets ($)
`total_shares`	Total shares and deposits ($)
`total_loans`	Total loans and leases ($)
`net_worth`	Total net worth ($)
`delinquent_loans_60plus`	Loans 60+ days delinquent ($)
`chargeoffs_ytd`	Charge-offs year to date ($)
`recoveries_ytd`	Recoveries year to date ($)
`net_income_ytd`	Net income year to date ($)
`net_worth_class_code`	Net worth classification code reported (Acct 700)
`net_worth_ratio_pct`	Net worth / total assets, percent
`delinquency_rate_pct`	60+ day delinquent / loans, percent
`net_chargeoff_rate_annual_pct`	Annualized net charge-offs / loans, percent
`roa_annual_pct`	Annualized net income / assets, percent
`net_worth_ratio_pct_jun2025`	Net worth ratio a year earlier
`delinquency_rate_pct_jun2025`	Delinquency rate a year earlier
`net_chargeoff_rate_annual_pct_jun2025`	Net charge-off rate a year earlier
`nw_ratio_change_pts`	Change in net worth ratio, points
`delinquency_change_pts`	Change in delinquency rate, points
`chargeoff_change_pts`	Change in net charge-off rate, points
`asset_growth_pct`	Asset growth over the year, percent
`pca_category_by_ratio`	Prompt corrective action category implied by the net worth ratio alone
`distress_flags`	Flags raised: nw_under_7, nw_down_1pt, delinq_over_2, delinq_up_half, nco_over_1, losing_money
`distress_score`	Number of flags (0-6)
`merger_candidate_profile`	3+ flags and under $500M in assets

Get the full file

tier	price	includes
Distress list	$300	Every credit union with 2 or more flags, all metrics, CSV and Excel.
All credit unions with quarterly updates	$1,500 a year	All 4,299 credit unions refreshed each quarter for 12 months, with quarter-over-quarter changes.
Enterprise license	$4,500 a year	Quarterly refresh with 12 quarters of history, branch counts, and internal redistribution rights.

Email mattbusel@tensorust.com with the tier and a billing contact, and we will send a proper invoice (ACH or card). The file is delivered once the invoice is paid. Details and the live sample: https://tensorust.com/datasets/ncua-cu-distress/. All datasets: https://tensorust.com/datasets/

Method and limits

June 2026 and June 2025 call report files are joined on charter number. Ratios are computed from the reported dollars (Acct 010, 025B, 041B, 550, 551, 661A, 997). Year-to-date flows are annualized by doubling the six-month figure. The PCA category uses the net worth ratio thresholds only (7, 6, 4, 2 percent) and ignores the risk-based capital test for complex credit unions.

Not an NCUA supervisory rating (CAMELS ratings are confidential) and not a prediction of failure. Not member-level data. Credit unions only.

Sources

NCUA quarterly call report data, June 2026 and June 2025 (FOICU, FS220, FS220A, FS220D)

License

The sample and summary here are free to view, analyze and cite with attribution to "Tensorust LLC, https://tensorust.com/datasets/ncua-cu-distress/". The full dataset is licensed separately per tier. No resale or redistribution of Tensorust data without a written license.

Tensorust LLC, Tuckahoe NY. mattbusel@tensorust.com | https://tensorust.com

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