Sample report · Financial Services & Fintech
We re-derived a published figure from the public record.
Three aggregator sites can't agree on Golden 1 Credit Union's basics — assets of $21.74B, $21.5B, or $21.737B; branch counts of 63, 70, or 1. The regulator's own quarterly file settles it: $21,737,187,207 in assets, 1,195,395 members, 63 sites. And the capital math reconstructs: net worth ÷ assets = 9.944%, matching the regulator's stated 9.94% — with a risk-based capital ratio of 18.0% against the regulation's actual 10% well-capitalized bar (one aggregator published 7% — that's the wrong threshold).
The situation
Four conflicting figures, one regulator file, one wrong threshold.
A credit union board and supervisory committee need capital adequacy reported against the real regulatory floors. Third-party aggregators circulate conflicting basics — and one publishes well-capitalized thresholds that don't match the regulation.
We entered the regulator's own call-report figures and had the report recompute each ratio from its disclosed components, reconstruct the capital classification from the actual rule, and resolve each aggregator conflict with the primary file.
What we supplied
Only public inputs — each one sourced.
All inputs come from the NCUA's quarterly 5300 call report data file (cycle March 31, 2026) — the regulator publishes the answers beside the inputs.
| Input | Value | Source |
|---|---|---|
| Total assets | $21,737,187,207 | NCUA file (ACCT_010) |
| Members | 1,195,395 | NCUA file (ACCT_083) |
| Net worth | $2,161,438,910 | NCUA file (Acct_997) |
| Regulator-stated net worth ratio | 9.94% | NCUA file (Acct_998) |
| RBC numerator / risk-weighted assets | $2,169,414,295 / $12,048,880,801 | NCUA file (RB0012/RB0171) |
| Regulator-stated classification | Well Capitalized | NCUA file (Acct_700) |
| Sites in the branch file | 63 (1 corporate + 62 branches) | NCUA branch file |
Source: NCUA Quarterly Call Report Data, 2026-03 cycle · download the source document we used.
The report
The finished, board-ready output.
This is the actual rendered report — interactive charts and all. Nothing was edited after generation.
Reconcile
Our output vs. the published figures.
| Metric | Published | Ours (computed) | Match | Note |
|---|---|---|---|---|
| Net worth ratio | 9.94% (NCUA-stated) | 2,161,438,910 ÷ 21,737,187,207 = 9.944% | ✓ exact | The regulator publishes the answer beside the inputs |
| Risk-based capital ratio | Components in the file | 2,169,414,295 ÷ 12,048,880,801 = 18.01% | ✓ exact | Against the actual ≥10% well-capitalized bar (12 CFR 702.102) |
| Capital classification | "Well Capitalized" (NCUA-stated) | 9.94% ≥ 7% AND 18.01% ≥ 10% → Well Capitalized | ✓ exact | Reconstructed from the rule, matches the regulator's field |
| Branch count | Aggregators: 63 / 70 / 1 | 63 sites in the regulator's branch file | ✓ exact | The '1' is a corporate-office-only artifact; the '70' is wrong |
The report also resolves the net-income conflict ($110M vs $24M circulating): the file shows $24.4M for one quarter — a quarterly figure quoted beside an annual one, with no period label. Fraud and AML operating metrics aren't in any 5300 line and are disclosed as not derivable, per the coverage statement.
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