NCUA credit union data
Server Details
NCUA call report data for US credit unions, 2018-2026: profiles, peer comparison, time series.
- Status
- Healthy
- Last Tested
- Transport
- Streamable HTTP · MCP 2025-11-25
- URL
- Repository
- bnovarini/ncua-data-analysis
- GitHub Stars
- 0
TDQS
Scored across 6 tools
The six tools mostly target distinct intents: find_credit_union (name search), credit_union_profile (one-CU snapshot), metric_series (time series), peer_compare (benchmark against peers), query_metrics (ad-hoc table query), and list_fields (schema metadata). The only real boundary risk is between query_metrics and metric_series/peer_compare, since all three can aggregate or filter across credit unions, but the descriptions make the split clear enough for an agent.
All names are snake_case and readable, but they mix conventions: verb_noun (find_credit_union, list_fields, query_metrics), noun_phrase (credit_union_profile), noun_noun (metric_series), and noun_verb (peer_compare). There is no single predictable verb_noun pattern, though nothing is cryptic.
Six tools is well-scoped for a read-only data/analytics server: each covers a distinct access pattern (search, snapshot, time series, benchmark, query, metadata) without redundancy. No filler tools and nothing obviously missing that would warrant another tool.
For an NCUA analytics domain, coverage is strong: discovery (find), detail (profile), history (metric_series), benchmarking (peer_compare), ad-hoc querying (query_metrics), and schema introspection (list_fields). Minor gaps exist, e.g. no dedicated multi-CU comparison or explicit peer-group/state enumeration, but these are workable via query_metrics and metric_series group_by.
Available Tools
6 toolscredit_union_profileBInspect
Profile of one credit union for one quarter (default latest): attributes, size, and every computed metric with its plain-language definition available through list_fields. Returns null values where NCUA data has none.
| Name | Required | Description | Default |
|---|---|---|---|
| quarter | No | ||
| cu_number | Yes |
TDQS
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden and does disclose useful behavior: quarter defaults to latest and null values are returned where NCUA data is absent. It does not state the read-only nature, auth requirements, or any rate/pagination behavior, so it adds some value but not a full behavioral picture.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
A single front-loaded sentence that leads with what it returns and appends the null-handling caveat. Slightly dense in the 'every computed metric with its plain-language definition available through list_fields' clause, but no wasted sentences.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
With no output schema and no annotations, the description does the work of describing the return contents (attributes, size, metrics with definitions) and null semantics. The main gap is the unexplained required cu_number, otherwise sufficient for a read-style profile fetch.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 0%, so the description must compensate. It usefully clarifies the quarter parameter ('default latest'), explaining that omission yields the most recent quarter, but gives no meaning for the required cu_number beyond the implicit 'one credit union'.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
States a specific resource and scope: a full profile (attributes, size, all computed metrics) for exactly one credit union and one quarter. This clearly separates it from siblings like metric_series or peer_compare, though it never explicitly names an alternative to route the agent away from.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
No when-to-use guidance, no prerequisites, and no comparison against alternatives such as query_metrics or peer_compare. The scope ('one credit union for one quarter') loosely implies its purpose, but the agent is left to infer when this tool is the right choice.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
find_credit_unionAInspect
Find credit unions by name, state, charter type (federal/state) or asset peer group, in a given quarter (default: latest). Name matching ignores case, punctuation and the words 'federal credit union' / 'FCU', so 'SRP Federal Credit Union' finds 'SRP'; partial names work. It also matches former names (a credit union that was renamed shows up under the old name, match = former_name, with its current name) and a few brand names (BECU, PenFed, SECU). Results are ranked: match = exact, starts_with, contains, former_name, then larger assets first. Each row has 'ambiguous': true when several different credit unions fit the name. In that case ask the user which one they mean (use city and state to tell them apart) rather than picking the first. If nothing matches, the result is one row with 'no_match' explaining why (for example the credit union merged or closed, with its last reported quarter). Returns cu_number, name, location, total assets, members. Use the returned cu_number in the other tools. Only federally insured credit unions.
| Name | Required | Description | Default |
|---|---|---|---|
| name | No | ||
| limit | No | ||
| state | No | ||
| quarter | No | ||
| peer_group | No | ||
| charter_type | No |
Output Schema
| Name | Required | Description |
|---|---|---|
| result | Yes |
TDQS
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does so well: it discloses matching normalization (case/punctuation/'FCU' stripping), former-name and brand-name matching with a match=former_name signal, ranking order, the 'ambiguous' flag, the synthetic 'no_match' row explaining mergers/closures, and the federally-insured-only scope. It omits any statement of read-only/auth/rate-limit behavior, but those are minor for a read-style lookup.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The purpose and filter set are front-loaded, and the dense sentence on match ranking, ambiguity, and no_match all earn their place for an agent that must interpret results. The list of example brand names and the explicit return-field enumeration are mildly redundant given the output schema, so it is a touch longer than strictly necessary.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a six-parameter search tool with an output schema, the description supplies everything an agent needs to call it and interpret results: filters, defaulting behavior, ranking, the ambiguity escalation rule, and the no_match outcome. Re-stating that it returns cu_number, name, location, assets and members is slight redundancy with the output schema but not a completeness gap.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 0%, so the description must compensate and largely does: it defines the semantics of name (with fuzzy matching rules), state, charter_type (federal/state), peer_group (asset peer group), and quarter (defaults to latest). The only undocumented parameter is 'limit', whose meaning and default the agent must infer, leaving one gap in otherwise strong compensation.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
States a specific verb (find) and resource (credit unions) plus the exact filter dimensions (name, state, charter type, asset peer group, quarter), and distinguishes itself from siblings by instructing the agent to 'Use the returned cu_number in the other tools.' An agent can tell this is the lookup/entry-point tool versus credit_union_profile or peer_compare without opening any schema.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Clearly implies when to reach for it (locating a credit union by name/state/charter/peer group) and gives an explicit branch rule: when 'ambiguous' is true, ask the user which one they mean using city/state rather than guessing. It routes downstream by name ('the other tools') but never names credit_union_profile or any sibling explicitly, so the when-not/alternative mapping is slightly weaker than ideal.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
list_fieldsBInspect
List available fields with plain-language definitions from the data dictionary. Filter by table ('metrics' = computed ratios, 'fact_call_report_curated' = reported amounts, 'dim_credit_union' = attributes), by search text, or both. Fields marked basis=year_to_date reset each January; metric_series can de-cumulate them. Computed metrics available: asset_growth_yoy (Total assets versus the same quarter one year earlier); loan_growth_yoy (Total loans versus the same quarter one year earlier); share_growth_yoy (Total shares and deposits versus one year earlier); member_growth_yoy (Members versus one year earlier); auto_loan_growth_yoy (New plus used vehicle loans versus one year earlier); first_lien_growth_yoy (First-lien 1-4 family loans versus one year earlier); loan_to_share (Loans divided by total shares and deposits); loans_to_assets (Loans divided by total assets); net_worth_to_assets (Net worth divided by total assets (1.0 = 100%)); allowance_to_loans (Allowance for credit losses divided by total loans); net_worth_ratio_ex_cecl (Net worth minus the CECL transition provision, over assets); deposit_mix_share_drafts (Share draft (checking) accounts as a share of total shares and deposits); deposit_mix_regular (Regular shares as a share of total shares and deposits); deposit_mix_money_market (Money market shares as a share of total shares and deposits); deposit_mix_certificates (Share certificates as a share of total shares and deposits); deposit_mix_ira_keogh (IRA and Keogh accounts as a share of total shares and deposits); deposit_mix_non_member (Non-member deposits as a share of total shares and deposits); avg_balance_per_listed_account (Total shares and deposits over the count of share draft, certificate, money market, IRA a…); employees_fte_estimate (Full-time employees plus half of part-time employees); members_per_fte (Members per estimated full-time-equivalent employee); assets_per_fte (Assets per estimated full-time-equivalent employee); compensation_per_fte (Annualized employee compensation and benefits per estimated FTE); operating_expense_per_fte (Annualized non-interest expense per estimated FTE); assets_per_branch (Assets per branch); members_per_branch (Members per branch); compensation_share_of_opex (Employee compensation and benefits as a share of non-interest expense); loans_per_member (Average loan dollars per member); shares_per_member (Average shares and deposits per member); mix_auto (New plus used vehicle loans as a share of total loans); mix_residential_real_estate (First lien, junior lien and other real estate loans as a share of total loans); mix_credit_card (Credit card loans as a share of total loans); mix_commercial (Commercial loans as a share of total loans); delinquency_rate (Loans delinquent two or more months divided by total loans); auto_delinquency_rate (Reportable delinquent vehicle loans divided by vehicle loans); credit_card_delinquency_rate (Delinquent credit card loans divided by credit card loans); net_chargeoff_rate ((Charge-offs minus recoveries), annualized from year to date, over year-end loans); net_chargeoff_rate_avg_loans_4q (Net charge-offs annualized from year to date, over the average of the last four quarter-e…); provision_to_loans (Provision (credit loss expense) annualized over year-end loans); roa_year_end_assets (Return on assets: net income annualized from year to date, over year-end assets); roa_avg_assets_4q (Return on assets: net income annualized from year to date, over the average of the last f…); nim_year_end_assets (Net interest margin: (interest income minus interest expense) annualized from year to dat…); nim_avg_assets_4q (Net interest margin (NIM): same, over the four-quarter average of assets); loan_yield (Yield on loans: interest on loans annualized from year to date, over year-end loans); cost_of_shares (Cost of shares: total interest expense annualized from year to date, over shares and depo…); efficiency_ratio (Non-interest expense divided by (net interest income plus non-interest income)); opex_to_assets (Non-interest expense annualized over assets); fee_share_of_non_interest_income (Fee income divided by non-interest income); net_income_quarter (Net income for the single quarter (year-to-date minus prior quarter)); interest_income_quarter (Interest income for the single quarter); interest_expense_quarter (Interest expense for the single quarter); non_interest_expense_quarter (Non-interest expense for the single quarter); provision_quarter (Provision for loan losses for the single quarter); roa_ncua_ytd (Return on average assets on NCUA's basis: year-to-date net income annualized, over the av…); nim_ncua_ytd (Net interest margin (NIM) on NCUA's basis: (interest income minus interest expense) annua…); loan_yield_ncua_ytd (Yield on loans on NCUA's basis: interest on loans annualized from year to date, over the …); cost_of_funds_ncua_ytd (Cost of funds on NCUA's basis: total interest expense annualized from year to date, over …); net_chargeoff_rate_ncua_ytd (Net charge-off rate on NCUA's basis: (charge-offs minus recoveries) annualized from year …); roa_quarterly (Return on assets for the single quarter: the quarter's net income times 4, over the avera…); nim_quarterly (Net interest margin (NIM) for the single quarter: (interest income minus expense) for the…); loan_yield_quarterly (Yield on loans for the single quarter: the quarter's interest on loans times 4, over the …); cost_of_funds_quarterly (Cost of funds for the single quarter: the quarter's interest expense times 4, over the av…); net_chargeoff_rate_quarterly (Net charge-off rate for the single quarter: the quarter's (charge-offs minus recoveries) …); interest_on_loans_quarter (Interest on loans for the single quarter (year-to-date minus prior quarter)); net_chargeoffs_quarter (Charge-offs minus recoveries for the single quarter)
| Name | Required | Description | Default |
|---|---|---|---|
| limit | No | ||
| table | No | ||
| search | No |
Output Schema
| Name | Required | Description |
|---|---|---|
| result | Yes |
TDQS
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It adds real domain context (fields marked basis=year_to_date reset each January; metric_series can de-cumulate them), which is useful. But it says nothing about read-only status, result limits/pagination, or permissions that a metadata tool should disclose, and the bulk of the text is domain content rather than tool behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
It is front-loaded well, but the body is an enormous enumeration of roughly seventy computed metrics, many truncated with ellipses, which dwarfs the actionable guidance and makes the definition hard to scan. Much of this belongs in an output schema or reference resource rather than the description.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
An output schema exists, so return values need not be explained, and the description supplies the relevant domain context an agent needs to interpret fields and filters. It is largely complete for a discovery tool, missing only pagination/limit behavior and an explicit read-only statement.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 0%, so the description must carry parameter meaning, and it does for two of three: 'table' receives concrete allowed values with interpretation ('metrics' = computed ratios, 'fact_call_report_curated' = reported amounts, 'dim_credit_union' = attributes) and 'search' is described as search text. The 'limit' parameter is never explained, keeping it short of a 5.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The opening sentence gives a specific verb and resource ('List available fields with plain-language definitions from the data dictionary'), and the table filter values clarify the scope of what can be listed. It partially differentiates from siblings by pointing at metric_series, but does not clearly separate itself from query_metrics or metric_series as the discovery step.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description explains how to filter (by table, by search text, or both) and hints at a downstream relationship ('metric_series can de-cumulate them'), which implies usage. However, it never states when an agent should call list_fields versus query_metrics or metric_series directly, so usage is left to inference.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
metric_seriesAInspect
Time series of one metric or reported field. Give cu_number for one credit union. Otherwise it aggregates all federally insured credit unions matching the optional state (2-letter code) / peer_group (1-6) / min_assets filters: aggregate='median' (default for ratios), 'mean', 'sum' (default for dollar and count fields; not allowed on ratios), 'count' (how many credit unions report the field), 'ratio_of_sums' (sum of field / sum of the denominator field, e.g. shares_certificates over total_shares_and_deposits), or 'pooled' (the system-wide version of a ratio metric: total numerators over total denominators, not a median of credit unions; available for efficiency_ratio, delinquency_rate, loan_to_share, loans_to_assets, net_worth_to_assets, net_worth_ratio_ex_cecl, allowance_to_loans, mix_auto, net_chargeoff_rate, roa_year_end_assets, nim_year_end_assets, loan_yield, cost_of_shares, opex_to_assets, the NCUA-basis ratios (roa_ncua_ytd, nim_ncua_ytd, loan_yield_ncua_ytd, cost_of_funds_ncua_ytd, net_chargeoff_rate_ncua_ytd; pooled values reproduce NCUA's published ROA, NIM and net charge-off ratio), the single-quarter ratios (roa_quarterly and the like) and the growth metrics asset/loan/share/member_growth_yoy, which compare the same credit unions a year apart). Median and mean treat every credit union equally, tiny ones included. Year-to-date fields (basis year_to_date in list_fields: income, expenses, charge-offs, loans granted) are returned per quarter by default (quarterly=true: this quarter minus the prior quarter of the same year); quarterly=false returns the raw year-to-date figure, which resets each January. Each row carries basis (and unit for percent-x100 fields); rows with no data explain why. group_by='peer_group' or 'state' returns one row per group (defaults to the latest quarter). Series that cross the 2023 CECL accounting change carry a break_note. Range in quarters like 2021-12; the data runs 2018-03 to the latest quarter. Metrics: asset_growth_yoy (Total assets versus the same quarter one year earlier); loan_growth_yoy (Total loans versus the same quarter one year earlier); share_growth_yoy (Total shares and deposits versus one year earlier); member_growth_yoy (Members versus one year earlier); auto_loan_growth_yoy (New plus used vehicle loans versus one year earlier); first_lien_growth_yoy (First-lien 1-4 family loans versus one year earlier); loan_to_share (Loans divided by total shares and deposits); loans_to_assets (Loans divided by total assets); net_worth_to_assets (Net worth divided by total assets (1.0 = 100%)); allowance_to_loans (Allowance for credit losses divided by total loans); net_worth_ratio_ex_cecl (Net worth minus the CECL transition provision, over assets); deposit_mix_share_drafts (Share draft (checking) accounts as a share of total shares and deposits); deposit_mix_regular (Regular shares as a share of total shares and deposits); deposit_mix_money_market (Money market shares as a share of total shares and deposits); deposit_mix_certificates (Share certificates as a share of total shares and deposits); deposit_mix_ira_keogh (IRA and Keogh accounts as a share of total shares and deposits); deposit_mix_non_member (Non-member deposits as a share of total shares and deposits); avg_balance_per_listed_account (Total shares and deposits over the count of share draft, certificate, money market, IRA a…); employees_fte_estimate (Full-time employees plus half of part-time employees); members_per_fte (Members per estimated full-time-equivalent employee); assets_per_fte (Assets per estimated full-time-equivalent employee); compensation_per_fte (Annualized employee compensation and benefits per estimated FTE); operating_expense_per_fte (Annualized non-interest expense per estimated FTE); assets_per_branch (Assets per branch); members_per_branch (Members per branch); compensation_share_of_opex (Employee compensation and benefits as a share of non-interest expense); loans_per_member (Average loan dollars per member); shares_per_member (Average shares and deposits per member); mix_auto (New plus used vehicle loans as a share of total loans); mix_residential_real_estate (First lien, junior lien and other real estate loans as a share of total loans); mix_credit_card (Credit card loans as a share of total loans); mix_commercial (Commercial loans as a share of total loans); delinquency_rate (Loans delinquent two or more months divided by total loans); auto_delinquency_rate (Reportable delinquent vehicle loans divided by vehicle loans); credit_card_delinquency_rate (Delinquent credit card loans divided by credit card loans); net_chargeoff_rate ((Charge-offs minus recoveries), annualized from year to date, over year-end loans); net_chargeoff_rate_avg_loans_4q (Net charge-offs annualized from year to date, over the average of the last four quarter-e…); provision_to_loans (Provision (credit loss expense) annualized over year-end loans); roa_year_end_assets (Return on assets: net income annualized from year to date, over year-end assets); roa_avg_assets_4q (Return on assets: net income annualized from year to date, over the average of the last f…); nim_year_end_assets (Net interest margin: (interest income minus interest expense) annualized from year to dat…); nim_avg_assets_4q (Net interest margin (NIM): same, over the four-quarter average of assets); loan_yield (Yield on loans: interest on loans annualized from year to date, over year-end loans); cost_of_shares (Cost of shares: total interest expense annualized from year to date, over shares and depo…); efficiency_ratio (Non-interest expense divided by (net interest income plus non-interest income)); opex_to_assets (Non-interest expense annualized over assets); fee_share_of_non_interest_income (Fee income divided by non-interest income); net_income_quarter (Net income for the single quarter (year-to-date minus prior quarter)); interest_income_quarter (Interest income for the single quarter); interest_expense_quarter (Interest expense for the single quarter); non_interest_expense_quarter (Non-interest expense for the single quarter); provision_quarter (Provision for loan losses for the single quarter); roa_ncua_ytd (Return on average assets on NCUA's basis: year-to-date net income annualized, over the av…); nim_ncua_ytd (Net interest margin (NIM) on NCUA's basis: (interest income minus interest expense) annua…); loan_yield_ncua_ytd (Yield on loans on NCUA's basis: interest on loans annualized from year to date, over the …); cost_of_funds_ncua_ytd (Cost of funds on NCUA's basis: total interest expense annualized from year to date, over …); net_chargeoff_rate_ncua_ytd (Net charge-off rate on NCUA's basis: (charge-offs minus recoveries) annualized from year …); roa_quarterly (Return on assets for the single quarter: the quarter's net income times 4, over the avera…); nim_quarterly (Net interest margin (NIM) for the single quarter: (interest income minus expense) for the…); loan_yield_quarterly (Yield on loans for the single quarter: the quarter's interest on loans times 4, over the …); cost_of_funds_quarterly (Cost of funds for the single quarter: the quarter's interest expense times 4, over the av…); net_chargeoff_rate_quarterly (Net charge-off rate for the single quarter: the quarter's (charge-offs minus recoveries) …); interest_on_loans_quarter (Interest on loans for the single quarter (year-to-date minus prior quarter)); net_chargeoffs_quarter (Charge-offs minus recoveries for the single quarter)
| Name | Required | Description | Default |
|---|---|---|---|
| end | No | ||
| field | Yes | ||
| start | No | ||
| state | No | ||
| group_by | No | ||
| aggregate | No | ||
| cu_number | No | ||
| quarterly | No | ||
| min_assets | No | ||
| peer_group | No | ||
| denominator | No | ||
| year_end_only | No |
Output Schema
| Name | Required | Description |
|---|---|---|
| result | Yes |
TDQS
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does so well: it discloses the data range (2018-03 to latest quarter), the default aggregate per field type, the restriction that sum is disallowed on ratios, the pooled availability list, the CECL break_note, and that rows with no data explain why. Auth, rate limits, and pagination remain undisclosed, keeping it short of a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The prose is a single dense wall with a very long run-on metric catalog (dozens of metrics separated by semicolons, some truncated mid-word such as "IRA a…"), and it duplicates cataloging that the sibling list_fields already performs. Key behaviors like the default-aggregate rule are buried mid-paragraph rather than front-loaded, hurting scanability.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a 12-parameter aggregation tool with an output schema (so return values need not be described), the description is nearly complete: modes, filters, aggregation semantics, quarterly handling, and metric definitions are all present. The unexplained year_end_only parameter is the only notable gap.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 0%, so the description must compensate across 12 parameters, and it largely does: cu_number, state (2-letter code), peer_group (1-6), min_assets, the full aggregate enum with defaults, group_by, quarterly semantics, start/end quarter format, and denominator via the ratio_of_sums example are all explained. The only uncovered parameter is year_end_only, which is never mentioned.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The opening sentence gives a specific verb and resource ("Time series of one metric or reported field") and immediately splits the two operating modes: single CU via cu_number versus aggregation across federally insured credit unions. This is clear enough to distinguish from peers, though it never names query_metrics or peer_compare, which an agent must infer.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
It effectively states the conditions that select behavior: give cu_number for one credit union, otherwise it aggregates with optional state/peer_group/min_assets filters, and group_by returns one row per group. However, it offers no explicit when-to-use-this-versus-alternatives routing against siblings like query_metrics or peer_compare, so usage is implied rather than guided.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
peer_compareInspect
Compare one credit union with its peers on chosen metrics or fields (default: a standard set). peer_basis: 'peer_group' (same asset-size group, default), 'state', 'charter_type', or 'peer_group_and_state'. Returns the credit union's value, peer median, 25th/75th percentiles, percentile rank (0-100, higher = larger value) and peer count, for the quarter (default latest). Metrics: asset_growth_yoy (Total assets versus the same quarter one year earlier); loan_growth_yoy (Total loans versus the same quarter one year earlier); share_growth_yoy (Total shares and deposits versus one year earlier); member_growth_yoy (Members versus one year earlier); auto_loan_growth_yoy (New plus used vehicle loans versus one year earlier); first_lien_growth_yoy (First-lien 1-4 family loans versus one year earlier); loan_to_share (Loans divided by total shares and deposits); loans_to_assets (Loans divided by total assets); net_worth_to_assets (Net worth divided by total assets (1.0 = 100%)); allowance_to_loans (Allowance for credit losses divided by total loans); net_worth_ratio_ex_cecl (Net worth minus the CECL transition provision, over assets); deposit_mix_share_drafts (Share draft (checking) accounts as a share of total shares and deposits); deposit_mix_regular (Regular shares as a share of total shares and deposits); deposit_mix_money_market (Money market shares as a share of total shares and deposits); deposit_mix_certificates (Share certificates as a share of total shares and deposits); deposit_mix_ira_keogh (IRA and Keogh accounts as a share of total shares and deposits); deposit_mix_non_member (Non-member deposits as a share of total shares and deposits); avg_balance_per_listed_account (Total shares and deposits over the count of share draft, certificate, money market, IRA a…); employees_fte_estimate (Full-time employees plus half of part-time employees); members_per_fte (Members per estimated full-time-equivalent employee); assets_per_fte (Assets per estimated full-time-equivalent employee); compensation_per_fte (Annualized employee compensation and benefits per estimated FTE); operating_expense_per_fte (Annualized non-interest expense per estimated FTE); assets_per_branch (Assets per branch); members_per_branch (Members per branch); compensation_share_of_opex (Employee compensation and benefits as a share of non-interest expense); loans_per_member (Average loan dollars per member); shares_per_member (Average shares and deposits per member); mix_auto (New plus used vehicle loans as a share of total loans); mix_residential_real_estate (First lien, junior lien and other real estate loans as a share of total loans); mix_credit_card (Credit card loans as a share of total loans); mix_commercial (Commercial loans as a share of total loans); delinquency_rate (Loans delinquent two or more months divided by total loans); auto_delinquency_rate (Reportable delinquent vehicle loans divided by vehicle loans); credit_card_delinquency_rate (Delinquent credit card loans divided by credit card loans); net_chargeoff_rate ((Charge-offs minus recoveries), annualized from year to date, over year-end loans); net_chargeoff_rate_avg_loans_4q (Net charge-offs annualized from year to date, over the average of the last four quarter-e…); provision_to_loans (Provision (credit loss expense) annualized over year-end loans); roa_year_end_assets (Return on assets: net income annualized from year to date, over year-end assets); roa_avg_assets_4q (Return on assets: net income annualized from year to date, over the average of the last f…); nim_year_end_assets (Net interest margin: (interest income minus interest expense) annualized from year to dat…); nim_avg_assets_4q (Net interest margin (NIM): same, over the four-quarter average of assets); loan_yield (Yield on loans: interest on loans annualized from year to date, over year-end loans); cost_of_shares (Cost of shares: total interest expense annualized from year to date, over shares and depo…); efficiency_ratio (Non-interest expense divided by (net interest income plus non-interest income)); opex_to_assets (Non-interest expense annualized over assets); fee_share_of_non_interest_income (Fee income divided by non-interest income); net_income_quarter (Net income for the single quarter (year-to-date minus prior quarter)); interest_income_quarter (Interest income for the single quarter); interest_expense_quarter (Interest expense for the single quarter); non_interest_expense_quarter (Non-interest expense for the single quarter); provision_quarter (Provision for loan losses for the single quarter); roa_ncua_ytd (Return on average assets on NCUA's basis: year-to-date net income annualized, over the av…); nim_ncua_ytd (Net interest margin (NIM) on NCUA's basis: (interest income minus interest expense) annua…); loan_yield_ncua_ytd (Yield on loans on NCUA's basis: interest on loans annualized from year to date, over the …); cost_of_funds_ncua_ytd (Cost of funds on NCUA's basis: total interest expense annualized from year to date, over …); net_chargeoff_rate_ncua_ytd (Net charge-off rate on NCUA's basis: (charge-offs minus recoveries) annualized from year …); roa_quarterly (Return on assets for the single quarter: the quarter's net income times 4, over the avera…); nim_quarterly (Net interest margin (NIM) for the single quarter: (interest income minus expense) for the…); loan_yield_quarterly (Yield on loans for the single quarter: the quarter's interest on loans times 4, over the …); cost_of_funds_quarterly (Cost of funds for the single quarter: the quarter's interest expense times 4, over the av…); net_chargeoff_rate_quarterly (Net charge-off rate for the single quarter: the quarter's (charge-offs minus recoveries) …); interest_on_loans_quarter (Interest on loans for the single quarter (year-to-date minus prior quarter)); net_chargeoffs_quarter (Charge-offs minus recoveries for the single quarter)
| Name | Required | Description | Default |
|---|---|---|---|
| metrics | No | ||
| quarter | No | ||
| cu_number | Yes | ||
| peer_basis | No | peer_group |
query_metricsAInspect
Constrained table query, one quarter at a time (default latest), federally insured credit unions only. Pick fields to return, optional filters as [{'field':..., 'op': one of = != > >= < <= in contains, 'value':...}], an order_by field and limit (1 to 200). If more rows match than the limit, the last row is {'truncated': true, ...}. No raw SQL. When order_by is set, credit unions under $10M in assets are left out by default, because tiny credit unions produce extreme ratios (a $1M credit union can show a 34% ROA); rows carry assets_floor_applied. Set min_assets (0 to include everyone) to change it. Year-to-date fields (basis year_to_date in list_fields) are cumulative since January; use the *_quarter metrics for single quarters. Ratios are fractions (0.05 = 5%). Example: top 10 by members_per_fte in peer_group 5. Results over limit end with a truncated row giving total_matching and next_offset; pass offset to page. Field names come from list_fields. Metrics: asset_growth_yoy (Total assets versus the same quarter one year earlier); loan_growth_yoy (Total loans versus the same quarter one year earlier); share_growth_yoy (Total shares and deposits versus one year earlier); member_growth_yoy (Members versus one year earlier); auto_loan_growth_yoy (New plus used vehicle loans versus one year earlier); first_lien_growth_yoy (First-lien 1-4 family loans versus one year earlier); loan_to_share (Loans divided by total shares and deposits); loans_to_assets (Loans divided by total assets); net_worth_to_assets (Net worth divided by total assets (1.0 = 100%)); allowance_to_loans (Allowance for credit losses divided by total loans); net_worth_ratio_ex_cecl (Net worth minus the CECL transition provision, over assets); deposit_mix_share_drafts (Share draft (checking) accounts as a share of total shares and deposits); deposit_mix_regular (Regular shares as a share of total shares and deposits); deposit_mix_money_market (Money market shares as a share of total shares and deposits); deposit_mix_certificates (Share certificates as a share of total shares and deposits); deposit_mix_ira_keogh (IRA and Keogh accounts as a share of total shares and deposits); deposit_mix_non_member (Non-member deposits as a share of total shares and deposits); avg_balance_per_listed_account (Total shares and deposits over the count of share draft, certificate, money market, IRA a…); employees_fte_estimate (Full-time employees plus half of part-time employees); members_per_fte (Members per estimated full-time-equivalent employee); assets_per_fte (Assets per estimated full-time-equivalent employee); compensation_per_fte (Annualized employee compensation and benefits per estimated FTE); operating_expense_per_fte (Annualized non-interest expense per estimated FTE); assets_per_branch (Assets per branch); members_per_branch (Members per branch); compensation_share_of_opex (Employee compensation and benefits as a share of non-interest expense); loans_per_member (Average loan dollars per member); shares_per_member (Average shares and deposits per member); mix_auto (New plus used vehicle loans as a share of total loans); mix_residential_real_estate (First lien, junior lien and other real estate loans as a share of total loans); mix_credit_card (Credit card loans as a share of total loans); mix_commercial (Commercial loans as a share of total loans); delinquency_rate (Loans delinquent two or more months divided by total loans); auto_delinquency_rate (Reportable delinquent vehicle loans divided by vehicle loans); credit_card_delinquency_rate (Delinquent credit card loans divided by credit card loans); net_chargeoff_rate ((Charge-offs minus recoveries), annualized from year to date, over year-end loans); net_chargeoff_rate_avg_loans_4q (Net charge-offs annualized from year to date, over the average of the last four quarter-e…); provision_to_loans (Provision (credit loss expense) annualized over year-end loans); roa_year_end_assets (Return on assets: net income annualized from year to date, over year-end assets); roa_avg_assets_4q (Return on assets: net income annualized from year to date, over the average of the last f…); nim_year_end_assets (Net interest margin: (interest income minus interest expense) annualized from year to dat…); nim_avg_assets_4q (Net interest margin (NIM): same, over the four-quarter average of assets); loan_yield (Yield on loans: interest on loans annualized from year to date, over year-end loans); cost_of_shares (Cost of shares: total interest expense annualized from year to date, over shares and depo…); efficiency_ratio (Non-interest expense divided by (net interest income plus non-interest income)); opex_to_assets (Non-interest expense annualized over assets); fee_share_of_non_interest_income (Fee income divided by non-interest income); net_income_quarter (Net income for the single quarter (year-to-date minus prior quarter)); interest_income_quarter (Interest income for the single quarter); interest_expense_quarter (Interest expense for the single quarter); non_interest_expense_quarter (Non-interest expense for the single quarter); provision_quarter (Provision for loan losses for the single quarter); roa_ncua_ytd (Return on average assets on NCUA's basis: year-to-date net income annualized, over the av…); nim_ncua_ytd (Net interest margin (NIM) on NCUA's basis: (interest income minus interest expense) annua…); loan_yield_ncua_ytd (Yield on loans on NCUA's basis: interest on loans annualized from year to date, over the …); cost_of_funds_ncua_ytd (Cost of funds on NCUA's basis: total interest expense annualized from year to date, over …); net_chargeoff_rate_ncua_ytd (Net charge-off rate on NCUA's basis: (charge-offs minus recoveries) annualized from year …); roa_quarterly (Return on assets for the single quarter: the quarter's net income times 4, over the avera…); nim_quarterly (Net interest margin (NIM) for the single quarter: (interest income minus expense) for the…); loan_yield_quarterly (Yield on loans for the single quarter: the quarter's interest on loans times 4, over the …); cost_of_funds_quarterly (Cost of funds for the single quarter: the quarter's interest expense times 4, over the av…); net_chargeoff_rate_quarterly (Net charge-off rate for the single quarter: the quarter's (charge-offs minus recoveries) …); interest_on_loans_quarter (Interest on loans for the single quarter (year-to-date minus prior quarter)); net_chargeoffs_quarter (Charge-offs minus recoveries for the single quarter)
| Name | Required | Description | Default |
|---|---|---|---|
| limit | No | ||
| fields | Yes | ||
| offset | No | ||
| filters | No | ||
| quarter | No | ||
| order_by | No | ||
| quarterly | No | ||
| descending | No | ||
| min_assets | No |
Output Schema
| Name | Required | Description |
|---|---|---|
| result | Yes |
TDQS
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does a good job: it discloses that ordering silently excludes sub-$10M credit unions unless min_assets=0, that affected rows carry assets_floor_applied, that over-limit results end in a truncated row with total_matching and next_offset, and that ratios are fractions. It omits auth/permission and rate-limit behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The operational guidance is front-loaded well, but roughly 80% of the text is a metric glossary that duplicates what the sibling list_fields returns, since the description itself states field names come from list_fields. Truncation behavior is also explained twice in slightly different wording, adding redundancy.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a 9-parameter analytical query tool with an output schema (so return shape need not be described), the description covers granularity, filtering syntax, ordering side effects, pagination, and field sourcing. Only the two boolean flags and permission requirements are left unaddressed.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 0%, so the description must compensate and largely does: it defines filters structurally with the full op enum, limit bounds (1-200), offset paging, quarter granularity, min_assets semantics, and where field names originate. It never explains the descending or quarterly boolean parameters, which is the remaining gap.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
States a specific verb and resource with scope: a constrained table query over federally insured credit unions, one quarter at a time, no raw SQL. It partially routes to the sibling list_fields for field names, but never distinguishes itself from metric_series or peer_compare, so an agent cannot fully separate the four query-family tools from this text alone.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Usage context is implied rather than stated: quarter defaults to latest, filters use a documented operator set, order_by changes the asset-exclusion default, and min_assets reverses it. There is no explicit when-to-use-this-vs-metric_series-or-peer_compare guidance and no prerequisite or permission notes.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Tool Schema Changelog
Recent tool additions, removals, and schema changes observed during successful MCP inspections.
3 tool updates
- Changed
find_credit_union1 field changed- changed
Input schema / properties / peer_group / anyOfPrevious value: -[ - { - "type": "integer" - }, - { - "type": "null" - } -]New value: +[ + { + "type": "integer" + }, + { + "type": "string" + }, + { + "type": "null" + } +]
- Changed
metric_series1 field changed- changed
Input schema / properties / peer_group / anyOfPrevious value: -[ - { - "type": "integer" - }, - { - "type": "null" - } -]New value: +[ + { + "type": "integer" + }, + { + "type": "string" + }, + { + "type": "null" + } +]
- Changed
query_metrics2 fields changed- added
Input schema / properties / offsetAdded value: +{ + "default": 0, + "title": "Offset", + "type": "integer" +} - added
Input schema / properties / quarterlyAdded value: +{ + "anyOf": [ + { + "type": "boolean" + }, + { + "type": "null" + } + ], + "default": null, + "title": "Quarterly" +}
2 tool updates
- Changed
metric_series2 fields changed- added
Input schema / properties / min_assetsAdded value: +{ + "anyOf": [ + { + "type": "number" + }, + { + "type": "null" + } + ], + "default": null, + "title": "Min Assets" +} - added
Input schema / properties / quarterlyAdded value: +{ + "anyOf": [ + { + "type": "boolean" + }, + { + "type": "null" + } + ], + "default": null, + "title": "Quarterly" +}
- Changed
query_metrics1 field changed- added
Input schema / properties / min_assetsAdded value: +{ + "anyOf": [ + { + "type": "number" + }, + { + "type": "null" + } + ], + "default": null, + "title": "Min Assets" +}
1 tool update
- Changed
metric_series2 fields changed- added
Input schema / properties / denominatorAdded value: +{ + "anyOf": [ + { + "type": "string" + }, + { + "type": "null" + } + ], + "default": null, + "title": "Denominator" +} - added
Input schema / properties / group_byAdded value: +{ + "anyOf": [ + { + "type": "string" + }, + { + "type": "null" + } + ], + "default": null, + "title": "Group By" +}
6 tool updates
- First observed
credit_union_profile - First observed
find_credit_union - First observed
list_fields - First observed
metric_series - First observed
peer_compare - First observed
query_metrics
Related MCP Connectors
NCUA MCP — US credit union data from the quarterly 5300 Call Report.
Source-linked US credit-union deposit rates and membership context. Request a key via our site.
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