About FINASENSE
Every quarter, more than 4,700 federally insured credit unions file detailed financial statements with the National Credit Union Administration. The data is comprehensive — assets, liabilities, income, loan performance, capital adequacy — but it arrives raw, and most of it goes unread.
FINASENSE is an independent analytics publication that turns this data into institutional-grade research. We organize analysis around the same CAMELS framework that regulators use, anchor every claim to a specific number, and write for people who need to make decisions — not just read reports.
What We Publish
Quarterly Pulse
Standardized system-wide dashboard published each quarter. CAMELS-aligned metrics broken out by asset-size cohort, with editorial on notable moves. The reference artifact for "where does the industry stand right now?"
Latest editions →Industry Insights
Thematic deep-dives on delinquency trends, earnings trajectories, capital adequacy, and other forces shaping the credit union system. Data-heavy, editorially driven.
Browse insights →Credit Cycle Watch
Periodic deep-dive on portfolio credit quality — delinquency migration, charge-off trajectories, and concentration risk signals. Published quarterly or semi-annually depending on conditions.
Credit cycle →Independence
FINASENSE is not affiliated with the National Credit Union Administration or any credit union, league, trade association, or financial institution. We have no financial relationships with any entity referenced in our analysis. All interpretations and signal assessments represent the independent views of FINASENSE.