Key Performance Indicators
Balance Sheet Trends — 4-Quarter View
Balance Sheet Growth
Assets, loans & deposits per quarter ($M)
Range: to
Lending Insights
Delinquency (60+ Days) — $000s
Charge-offs & Recoveries — YTD $000s
Loan Portfolio Mix
Deposits & Liquidity
Share/Deposit Composition
Liquidity & Borrowings
Risk & Capital Adequacy
Capital Trend — Net Worth Ratio by Quarter
Income & Expense — Year to Date
Net Interest Margin Drivers
YTD Amounts — $000s (source: NCUA 5300)
Efficiency & Return Metrics
Membership & Operational Snapshot
Executive Briefing
AI Executive Summary
View full analysis →
Key Trends vs prior periods
Top Opportunities
View all opportunities →
Top Risks
View all risks →
Recent Alerts
View all alerts →
Executive Summary

Click "Generate Full Analysis" below for AI-powered narrative insights from Claude.

✦

AI Analysis — Powered by CU Analytics

Strategic analysis from NCUA 5300 call report data · Q1 2025–Q1 2026

Select a topic below to get AI-powered strategic insights from the call report data.

Strategic Recommendations
Recommendations will appear here after analysis.
Call Reports & Documents
NCUA 5300 reports — any year, any quarter
5 PDFs loaded
Loaded Reports
Auto-Pull from NCUA

Pull the most recent 5300 call reports straight from NCUA for this credit union's charter, then auto-extract each quarter. No manual download needed.

After data is loaded, generate every intelligence narrative in one pass — Executive Analysis, Predictive, Regulatory, Acquisition, and the five strategic analyses. Runs sequentially (a few minutes); each is saved as it completes.

Upload Reports
📄

Drag & Drop PDFs

NCUA 5300 · Any year · Any quarter

Note

Upload up to 20 reports at once — any year, any quarter. Claude reads every report and analyzes trends across all loaded periods automatically.

Action Management

Track strategic recommendations from AI analysis

Peer Comparison

Compare your credit union side-by-side against a peer institution using NCUA Q1 2026 call report data
Compare to a Peer Credit Union
Peer figures are actual NCUA Q1 2026 call report data across U.S. credit unions.
🔍
Search for a Peer
Pick a peer credit union above to compare side-by-side and benchmark your opportunities.
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Acquisition Intelligence

M&A candidate scoring engine · NCUA call report data

Identify and rank potential merger candidates using a proprietary 6-factor scoring model. Scores are calculated from live NCUA call report data — no manual input required.

Scoring Model — 6 Factors · 100pt Scale
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Capital Health
20 pts
Net worth ratio vs. thresholds
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Growth Trend
20 pts
Asset & loan trajectory
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Membership
15 pts
Size, density & potential
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Earnings
20 pts
ROA, NIM & efficiency
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Leadership
15 pts
CEO tenure & succession risk
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Market Fit
10 pts
Geographic & field overlap
Filters
🎯
Ready to scan
Click Run Acquisition Scan above to score the top merger candidates in your market using live NCUA call report data.

Opportunity Intelligence

Identifies untapped revenue opportunities vs. peer benchmarks using live call report data
Revenue Opportunities Identified
Loading opportunities…

Regulatory Intelligence

Compliance and examination readiness assessed against NCUA thresholds using verified call report data
Compliance & Examination Assessment
Click "Run Assessment" to generate a regulatory readiness review from the loaded call report data.

Risk Intelligence

CAMELS composite risk rating derived from verified call report data, scored on the NCUA 1–5 scale

Predictive Intelligence

Forward-looking projections derived from the loaded quarterly call report time series
Forward Outlook & Next-Quarter Forecast
Click "Run Forecast" to project the next quarter from the loaded call report trend.
Projections are trend-based estimates from historical call report data, not guarantees. Actual results depend on market conditions, strategy, and external factors.

Relationship Intelligence

Member-level behavior, product penetration, attrition risk, and cross-sell opportunity

Data source not yet connected

Relationship Intelligence analyzes member-level records — product holdings, balances, tenure, and engagement — which aren't part of the NCUA 5300 call report. Once your core banking export or data warehouse is connected, this section will surface attrition risk, single-service members, cross-sell targets, and household-level value.

Attrition risk scoring Product penetration Cross-sell targeting Household value

Market Intelligence

Local market position, competitor movement, rate environment, and growth opportunity

Data source not yet connected

Market Intelligence draws on data beyond your own call report — peer rate offerings, local deposit-market share, branch footprints, and economic indicators for your field of membership. The NCUA peer feed (already wired for Peer Comparison) covers part of this; full market context will activate once rate and market-share sources are connected.

Rate competitiveness Deposit market share Competitor moves Growth opportunity

Board Financial Report

Live preview — data updates automatically with each quarter
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Strategic Planning Simulator

Model what-if scenarios against your live financial baseline · AI-powered impact analysis

⚠ Directional estimates only. Outputs use simplified financial models based on your NCUA 5300 data and are intended for planning conversations — not ALCO-grade projections.
Quick Scenarios
Scenario Inputs
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0%
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Current Baseline
Loading baseline data...
Net Income Impact
—
Run scenario to see results
ROA Impact
—
Annualized basis
Capital Ratio Impact
—
Net worth ratio change
Total Assets
—
Projected balance
Loan-to-Share
—
Projected ratio
Staffing Estimate
—
FTE impact
AI Strategic Assessment
Not run

Configure your scenario using the sliders on the left, then click "Run Scenario Analysis." Claude will assess the impact, flag key risks, and provide strategic recommendations.

Administration

Manage your credit union profile, appearance, and report settings.

Credit Union Profile
Blue Coast Federal Credit Union
Charter #11154
Searches the live NCUA registry. Click a result to fill the name and charter below.
Appearance

Dashboard Layout

Charts stack vertically for easy top-to-bottom reading.

Color Theme

Custom Colors

Dashboard Sections

API Security
🔒
Secure by design
The API key is stored as a Netlify environment variable on the server. It never reaches your browser — no input needed here.

Board Configuration

Set the title, period, recipients, sections, and narrative style for your board report.

Board Report Settings

Report Sections

AI Narrative Style

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Activity Monitor
Cross-credit-union usage, last login, and engagement scoring · owner view