About Bank Scorer
BankScorer is a one-stop shop for US bank and credit union data. Whether you're a consumer checking up on your financial institution, a researcher tracking lending patterns, or a financial professional doing due diligence, the data you need is scattered across federal agencies — each with its own format. We consolidate it into one searchable database covering every FDIC-insured bank and NCUA-regulated credit union.
What we track
Every bank in the US is periodically examined on how well it serves low- and moderate-income communities. The result — Outstanding, Satisfactory, Needs to Improve, or Substantial Noncompliance — is published by the FFIEC. We make those ratings searchable, with full exam history going back to 1990.
Quarterly balance sheet and income statement data filed with the FDIC via Call Reports. Total assets, deposits, net loans, net income, ROA, ROE, and capital ratios — updated each quarter for every FDIC-insured institution.
Complaint records from the Consumer Financial Protection Bureau database. See how many complaints a bank has received, how often it resolves them on time, and what percentage of consumers received monetary relief. Normalized per billion dollars of assets for fair comparisons.
Home Mortgage Disclosure Act data aggregated by institution. Origination rates and denial rates from 2018–2024, showing how each lender's approval patterns have changed year over year.
Balance sheet and income data for all 4,300+ NCUA-regulated credit unions, drawn from the quarterly NCUA 5300 Call Report. Total assets, net worth ratio, member count, and field-of-membership type — plus CFPB complaints and HMDA mortgage data where available.
Banking group structure from the Federal Reserve's National Information Center. See which banks share a parent company, the combined assets of each group, and links to every subsidiary bank charter.
The four CRA ratings
Outstanding
The bank substantially exceeds CRA requirements. Awarded to roughly 10–15% of examined institutions.
Satisfactory
The bank meets CRA requirements. The most common rating, held by around 80% of banks.
Needs to Improve
The bank has deficiencies in meeting community credit needs. Regulators expect a corrective action plan.
Substantial Noncompliance
The bank has serious failures. Can trigger regulatory enforcement actions and affect merger/expansion approvals.
The data
All data comes from federal sources: the FFIEC CRA ratings file, the FDIC BankFind API, the CFPB complaint database, the HMDA data browser, the Federal Reserve NIC API, and the NCUA 5300 Call Report. We import it when it updates and display what it says — we don't editorialize or modify ratings.
Data methodology
CFPB complaint matching
The CFPB complaint database identifies institutions by company name (e.g., "JPMORGAN CHASE & CO."), not by FDIC certificate number. BankScorer maintains a crosswalk that maps these company names to FDIC certificates and NCUA charter numbers using exact and normalized name matching. Where matching is ambiguous, entries are reviewed and either confirmed or excluded. Unmatched complaints are not attributed to any institution. CFPB data covers complaints filed from 2018 through the present.
Complaint metrics defined
- Since 2018 — total complaints matched to this institution from 2018 to present.
- Last 12 months — complaints with a received date in the trailing 12-month window.
- Monetary Relief % — share of complaints where the company's response included monetary relief (refund, adjustment, etc.).
- Untimely Response % — share of complaints where the company exceeded the CFPB's 15-day response window.
- Per $B assets — Last 12 months complaints divided by total assets in billions, from the most recent FDIC Call Report. Normalizes for institution size.
HMDA denial rate
Denial rate = total denials ÷ total applications. Applications that were withdrawn or closed for incompleteness are included in the denominator. Data covers 2018–2024 from the CFPB HMDA data browser.
Update frequency
CRA ratings are updated when the FFIEC publishes new examination results (typically within days of a rating being issued). FDIC Call Report financials update quarterly. CFPB complaint data updates daily. HMDA data updates annually (latest year: 2024). NCUA 5300 Call Report data updates quarterly.
Pricing
Current CRA ratings are free for every bank. Full examination history, CSV export, email alerts on rating changes, webhooks, and API access are available on the Business plan. See pricing →
Questions or feedback? Reach out at hello@bankscorer.com.