Turn your quarterly 5300 into intelligence you can defend.
Innorve reads the same call-report data your examiners see and turns it into board-ready insights, real peer benchmarks, and governed actions — each one backed by evidence you can trace to the source. No black boxes. No invented numbers.
Lafayette Federal Credit Union
You already have the data. You don’t have the intelligence.
Every credit union files the same rich dataset every quarter. Turning it into something a board, a CFO, or an examiner will trust is where the time and the risk pile up.
The 5300 is unreadable by design
Your quarterly call report holds everything about your institution — buried across thousands of account lines nobody has time to parse into a decision.
Peer comparison is manual and out of date
By the time someone builds a peer group in a spreadsheet, the quarter has moved on. And “peers” chosen by asset size alone rarely look like you.
Board narratives take days to assemble
Every quarter the finance team rebuilds the same story by hand — pulling numbers, writing commentary, and hoping the figures still tie out.
Generic “AI insights” you can’t defend
A chatbot that invents a number is worse than no number at all. In front of a board or an examiner, an insight without evidence is a liability.
Three moves, from raw filing to defensible action.
Know, close, deploy. Each builds on the same evidence spine, so nothing you show a board or an examiner is ever more than a click from its source.
Know where you really stand
Financial intelligence on every one of the 4,336 credit unions filing with the NCUA. Structural peer groups that actually look like you, percentile rankings, and plain-language dossiers — on demand, by charter.
- Structural peer groups, not just asset-tier
- Percentile ranking on every key metric
- Board-ready dossiers by charter number
Close your 5300 with confidence
A pre-filing assurance workbench that checks your call report the way an examiner would — internal consistency, cross-schedule ties, peer outliers, and quarter-over-quarter swings — before you submit.
- 25 deterministic pre-filing checks
- Catch outliers and tie-outs before you file
- Every finding traced to the account line
Deploy governed actions, not guesses
Turn an insight into a decision with a full paper trail: dual-control approval, fair-lending gates, and an append-only, hash-chained evidence ledger. The assistant proposes — a person decides.
- Dual-control, human-in-the-loop approvals
- Fair-lending gate on every action
- Append-only, hash-chained evidence ledger
Every insight carries its own chain of evidence.
This is what makes Innorve different from a chatbot bolted onto your data. Every figure moves through a labeled evidence chain — so you always know what was reported, what was modeled, and who confirmed it.
Straight from the NCUA 5300, account line and period cited.
An LLM narrates the finding — it never computes the number.
Any modeled figure shows its assumptions in the open.
Percentiles computed against a real, versioned peer set.
A person signs off; the sign-off is written to the ledger.
One platform for the full lending lifecycle.
Beyond dossiers and 5300 close, Innorve delivers purpose-built tools for compliance, market strategy, underwriting, and benchmarking — explorable in the dashboard or callable by API.
Compliance
HMDA disparity analysis
Fair-lending disparity ratios and risk scoring across applicant demographics.
CRA address geocoding
Map any address to its census tract, income class, and MFI percentage.
LID feasibility
Model low-income designation eligibility and the benefits it unlocks.
Market expansion
Underserved-area qualification
Test target tracts against NCUA underserved-area statutory criteria.
Banking-desert detection
Surface branch-closure gaps and deposit-flight opportunities by geography.
Underwriting
Program matcher
Match a property to SBA HUBZone, USDA rural, Opportunity Zone, and NMTC programs.
Benchmarking
Peer call-report metrics
Compare margin, capital, and credit-quality ratios against a matched peer group.
Deposit market-share
Concentration (HHI) and share dynamics across your state market.
Domain packs
Deposits, collections & member growth
Ready-made analytics packs over your 5300 — cost of funds, delinquency, and member trends.
Start free. Pay only when it pays you back.
Look up your own credit union and see your first dossier at no cost. Upgrade when you want the full platform — transparent, usage-based, no long-term lock-in.
Developer
5,000 calls/month · $0.12/extra
- Institution lookup
- Peer benchmarks
- Financial signals
- REST API access
Growth
25,000 calls/month · $0.09/extra
- Everything in Developer
- AI narratives (board, ALM, exam)
- Composite dossier API
- Compliance endpoints
Enterprise
100,000 calls/month · $0.06/extra
- Everything in Growth
- Custom data pipelines
- CUSO multi-tenant
- SLA guarantee + dedicated support
See your credit union’s dossier in 60 seconds.
Look up your charter, read your first evidence-backed insight, and decide for yourself. It’s free to start — and there’s nothing to install.