CUNinjas: data, tools, and community for credit unions.
The community and data toolkit for credit union teams. Run credit union benchmarking on live NCUA data, talk shop with peers, and find the vendors your peers trust.
Built by CUNinjas
Benchmarking tools and a working community, all on live NCUA data.
Merger Finder
1,066mergers tracked
Every completed CU merger, tracked free, with a model for who's likely next.
Open →
CU411
4,336credit unions
See where you land against your 25 closest peers.
Open →
CU Finder
Search any CU by name, city, charter, or field of membership.
Open →
Bank Finder
Screen community banks like a buyer, then see the CUs near each one.
Open →
Discussion
34,656posts
Every poster carries their CU's live financials.
Open →
CU Checkup
Get the bad news about your numbers before the examiner does.
Open →
Ask the Analyst
Plain-English questions about your CU, machine-checked.
Open →
My Watchlist
Track any 25 credit unions and watch them move each quarter.
Open →
Vendor Directory
175vendors
Candid peer reviews of the vendors credit unions actually use.
Open →
📰 Industry news
Read at the source · discuss with peers here📝 Articles & announcements
All articles →
What Is a CUSO? Credit Union Service Organizations, Explained
Article · Aug 19, 2026 · A CUSO lets credit unions team up to offer services none of them could build alone. Here's what a credit union service organization is, what the NCUA rules actually allow, and how a CUSO differs from a plain vendor.
What Is a Good Delinquency Ratio for a Credit Union?
Article · Aug 19, 2026 · Delinquency is your loan book's early-warning radar. NCUA measures it at 60+ days past due, not 90. Learn what good looks like, why it varies by what you lend, and how to read yours against credit unions your size in CU411.
What Is a Good Loan-to-Share Ratio for a Credit Union?
Article · Aug 19, 2026 · Loan-to-share tells you how much of your members' deposits you've actually lent back out. Learn what the ratio measures, what "good" looks like (and why there's no magic number), and how to read yours against peers your size with CU411.
What Is a Good Efficiency Ratio for a Credit Union?
Article · Aug 19, 2026 · The efficiency ratio asks how much you spend to earn each dollar. Lower is leaner, credit unions run higher than banks by design, and the only honest read is against peers your size. Here's how to read yours without starving the service that funds your future.
Recent discussion
Financial Services Leading the Way on AI Spending, New Report Indicates
CUNinjas News · Aug 17, 2026
Mortgage Rates Climb to Their Highest Level in Nearly a Year
CUNinjas News · Aug 17, 2026
Many of Those Chargebacks That are Frustrating CUs are Result of Increasing ‘Friendly Fraud,’ Report Suggests
CUNinjas News · Jul 22, 2026
Consumer Apps for Credit Hit Highest Level in Almost Five Years in June, Fed Bank NY Reports
CUNinjas News · Jul 22, 2026
Stablecoins? Crypto? Most Consumers Don’t Know the Difference, and That’s an Opportunity for CUs, Analysis Suggests
CUNinjas News · Jul 22, 2026
World CU Conference Coverage: One Country’s Take on the Housing Affordability Crisis, and What 1 CU is Doing
CUNinjas News · Jul 22, 2026