About FINASENSE
Every quarter, more than 4,000 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.
Proprietary Metrics
Credit Cycle Position Indicator™ (CCPI™)
Classifies the industry's position in the credit cycle — Expansion, Late Cycle, Contraction, or Stress — based on the velocity and acceleration of four credit-sensitive metrics.
Methodology →Credit Union Financial Stress Index™ (CUFSI™)
A composite 0–100 index measuring system-wide financial stress across six pillars aligned with the CAMELS examination framework. 19 input variables, updated quarterly.
Methodology →How It Works
About the Author
Pete Wesselius
Founder of FINASENSE. Built a career around turning complex data into clear, actionable analysis. FINASENSE brings that perspective to the credit union system — an industry whose cooperative mission and public data transparency create a unique opportunity for rigorous independent research.