NCUA Quarterly Credit Union Data, 1994-2025 (curated)

A self-contained, integrity-verified bundle of 32 years of NCUA quarterly call-report data, FICU-filtered, era-shift-aware. 829,548 rows × 38 (curated narrow) or 91 (wide) columns spanning 1994-Q1 through 2025-Q4 (127 quarters of data + 1 missing-from-source sentinel for 2010-Q2 = 128 rows in industry_quarterly.csv).
Layout: data/ holds the parquet+CSV core (curated wide tables, raw long-format fact, account + CU dim tables, pre-aggregated industry/top-CU CSVs, gzipped full CSV); data/reference/ holds canonical integrity ledgers; reports/ holds the marketing Excel and the self-contained HTML industry explorer; tools/ holds the portable validator and the DuckDB query helper.
Integrity: per-file sha256 in RELEASE.tsv catches transit corruption; per-quarter row-level sha256 in MANIFEST.json catches data tampering at quarter granularity. Validator (tools/validate.py, DuckDB) reports 0 FAIL across 10 check categories: release-manifest sha256, schema, row counts, era-shift legacy-NULL symmetry, overlap-window populations, modern-era loan tie-out, NW-ratio vs NCUA-published, fact_call_report consistency, 2010-Q2 sentinel, and MANIFEST.json per-quarter hashes.
Era-shift handling: Five column pairs span definitional boundaries (RE 1st mortgage 2017-Q3 split; regular reserves 2022-Q1 retirement; total other assets 2006-Q2 split; net income YTD 1999-Q3 introduction; net worth 2000-Q4 PCA introduction). Each legacy variant is suffixed *_LEGACY or *_legacy_pre* as a textual don't-COALESCE / don't-SUM signal. CECL adjustment integrated post-2023-Q1 per NCUA PCA methodology. 47 of 47 reference quarters match NCUA-published nw_ratio_pct within 0.05pp.
Distribution tiers: (1) zstd-compressed parquet of curated wide tables (analyst, SageMaker / Athena / DuckDB / pandas / polars), (2) raw long-format fact_call_report.parquet covering all 3,428 NCUA account codes × 1.16 B rows for arbitrary-code queries, (3) gzipped CSV (181 MB) of the full wide table for SQL-less analysts, (4) Excel xlsx (5 sheets — About / Industry trends / Top 100 CUs / State rollup / Era-shift legend, for Product / Marketing), (5) self-contained HTML industry explorer (32-year line chart, opens in any browser, zero deps), (6) pre-aggregated industry-quarterly + top-200 CUs per quarter (quick analysis), (7) NCUA account dictionary + per-quarter CU identity (dim tables for joining). Every tier byte-verifiable against RELEASE.tsv hashes.
Intended use: credit-union industry analysis, regulatory benchmarking, time-series structural analysis (consolidation curves, NW-ratio cyclicality through 3 economic cycles, post-CECL provisioning behavior), comparative analysis with FFIEC bank call-report data. Full GLOSSARY.md, CLAUDE_PROMPT_PACK.md, and README.md ship with the bundle.
Source data: National Credit Union Administration (NCUA) quarterly call-report bulk archive. Source values are US Government public domain by 17 U.S.C. § 105. The curation, schema, validator, and helper code in this bundle are released under CC0 1.0 Universal.

v1.2.0 (2026-05-13) — metadata-only corrigendum. Fixes a concept-DOI vs version-DOI mislabel in v1.1.0's CITATION.cff. All data files (parquet, CSV, dim tables, fact tables) byte-identical to v1.1.0. See CHANGELOG.md for details.