Pulse — Mid-Year 2026 Board Report Powered by Calibra Systems

Every bank. Every credit union.
One score.

CAMEL-style composite analysis for every federally insured depository institution, scored against true peers.

Composite = 25% Capital, 25% Asset Quality, 20% Management, 20% Earnings, 10% Liquidity. Each ratio is percentile-ranked within the institution's asset-based peer group (NCUA peer groups for credit unions, UBPR-style bands for banks); 1 (strongest) to 5 (weakest), with PCA guardrails on Capital. Sources: NCUA 5300 Call Report (credit unions), FFIEC Call Report (banks). Growth rates are trailing twelve months; income ratios annualized YTD. Sparklines span the trailing five quarters. Source: NCUA 5300 Call Report data. The analyst summary is generated algorithmically from the metrics shown. This is an analytical model, not an official regulatory rating.