Credit Union Ledger MCP server

• Registry nameonline.creditunions/creditunions-onlineverified in the MCP registry

The registry name sits under creditunions.online. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

• Stateanswerschecked 2026-11-02
• Tools9
• Server calls itselfcredit-union-ledger
• Server version1.0.0
• Protocol version2025-06-18

On 2026-11-02 the server answered initialize and tools/list without a sign-in. First answer in 103 ms.

• Its tools do every use case we checked: look up a credit union's call report figures by name; compare up to four credit unions side by side.
• Checked on 3 of the 7 days it takes to judge reliability.

Said by rules from the measurements above. The likely first call is a model's pick from the tool list; read its description before relying on it.

• INITE MCP scoreafter a weeka score needs 7 daily checks: 3 so far
• What an agent can do with it2 of 2 use cases
• Answeredmeasuring3 of the 7 daily checks it takes to print a share
• Median first answer116 ms
• Space in an agent's context≈ 1,632 tokensthe definitions of all its tools (9), which an agent carries on every turn
• Tool definitionsB · 89 of 100
• Typed results0 of 9 toolsdeclared outputSchema: results come typed, read once

• Parameters without a description: in 6 of 9

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work. The score weighs what was measured and nothing else: answering (25%), doing the product's job (25%), definitions (20%), context (10%), use (10%) and how readily a client connects (10%). A part that was not measured is left out, and a hidden instruction caps the score at 40. The state of vendors' MCP servers: method and numbers →

• search_credit_unions

  Find US credit unions by name, trade name (e.g. "SECU", "BECU"), city or NCUA charter number. Returns matches largest first, with charter numbers to pass to the other tools.

• get_credit_union

  Full profile of one credit union from its latest NCUA call report: address, phone, charter, every ratio (capital, earnings, loan quality, growth, lending and deposit mix, loan rates) with national and peer-group percentiles, five quarters…

• compare_credit_unions

  Side-by-side comparison of 2 to 6 credit unions on chosen metrics (default: size, growth, capital, earnings, loan quality, fees and loan rates).

• rank_credit_unions

  Rank credit unions on any metric (e.g. largest by assets, highest return on assets, lowest new auto loan rate, best capitalized), nationally or within a state, peer group or asset range. Ratio rankings exclude very small credit unions by…

• peer_report

  How one credit union compares with its peers on every ratio that has a better direction: value, peer median, percentile, and its clearest strengths and weaknesses. Peers = its NCUA asset-size group nationally, every credit union in its…

• state_summary

  Credit unions headquartered in one state: count, combined assets, members and loans, delinquency, medians of key ratios and the largest credit unions.

• find_offices

  Credit union branch offices in a city, ZIP code or county (or every office of one credit union in a state), from NCUA's branch file: address, phone, hours, drive-through and ATM. Use for "credit unions near <place>" questions.

• best_credit_unions

  The best credit unions in a state (including those headquartered elsewhere with offices there) or nationally, scored only from NCUA call-report data: deposit dividends, loan rates, fees, strength and member growth, each a percentile…

• list_metrics

  Every metric key the other tools accept, with its definition, unit and which direction is better.