API Documentation

Explore the Innorve Financial Intelligence API. All endpoints require a valid API key.

Base URL: https://api.innorve.ai/v1

Authentication: Authorization: Bearer <your_api_key>

GET/v1/institutions/{charter}

Institution Profile

Retrieve a comprehensive profile for a single credit union by charter number.

Example Response

{
  "charter_number": "60429",
  "name": "NAVY FEDERAL CREDIT UNION",
  "state": "VA",
  "city": "Vienna",
  "total_assets_k": 178543210,
  "members": 13700000,
  "charter_type": "Federal",
  "cycle_date": "3/31/2026"
}

GET/v1/institutions/{charter}/dossier

Composite Risk Dossier

Full composite dossier including financials, signals, peer benchmarks, and metadata.

Example Response

{
  "institution": { ... },
  "financial_summary": {
    "net_worth_ratio": 8.12,
    "qoq_growth": 1.2,
    "yoy_growth": 4.8
  },
  "signals": [ ... ],
  "peer_benchmarks": { ... }
}

GET/v1/institutions/{charter}/signals

Financial Deterioration Signals

Active risk and deterioration signals for a credit union. Includes severity, type, and description.

Example Response

[
  {
    "signal_type": "FINANCIAL_DISTRESS",
    "severity": "critical",
    "detail": "Net worth ratio below 7%...",
    "signal_date": "3/31/2026"
  }
]

GET/v1/institutions/{charter}/benchmarks

Peer Percentile Rankings

Compare a credit union against peers in the same asset-size band. Returns metric values, peer medians, and percentiles.

Example Response

{
  "metrics": [
    {
      "name": "Net Worth Ratio",
      "value": 11.21,
      "peer_median": 10.85,
      "percentile": 58
    }
  ]
}

GET/v1/institutions/{charter}/structural-peers

Structural Peer Group

Model-based peers over the public 5300 data — chosen by balance-sheet structure (asset size, loan mix, funding and growth), not just asset-size band. The set is versioned and content-hashed, so a returned set_hash reproduces the exact same members. Params: k (10–200 peers), metrics (comma-separated).

Example Response

{
  "method": { "version": "sp-1.0", "k": 60, "cycle": "2026Q1" },
  "set_hash": "22b8e44f0207…",
  "members": 60,
  "matches": [
    { "charter": "1234", "similarity": 91, "reasons": ["similar loan mix", "similar asset size"] }
  ],
  "stats": [
    { "metric": "cost_of_funds", "value": 3.61, "peer_median": 1.42, "percentile": 97 }
  ]
}

POST/v1/institutions/{charter}/narrative

AI-Drafted Narrative

Generate an AI-drafted narrative grounded in the institution's actual financial data. Types: board_packet, alm_commentary, exam_prep.

Example Response

{
  "type": "board_packet",
  "narrative": "As of Q1 2026, the institution...",
  "disclaimer": "AI-assisted draft. Requires human review."
}

GET/v1/institutions/search?q={query}

Search Institutions

Search credit unions by name, charter number, or state. Supports pagination and filters.

Example Response

{
  "results": [
    {
      "charter_number": "1",
      "name": "MORRIS SHEPPARD TEXARKANA",
      "state": "TX",
      "total_assets_k": 13376
    }
  ],
  "total": 4336
}

POST/v1/compliance/hmda-disparity

HMDA Fair-Lending Disparity

Screen a loan portfolio for approval-rate disparities across protected classes, with peer benchmarks, matched-pair analysis, and a regulatory risk score.

Example Response

{
  "disparity_analysis": {
    "disparity_ratio": 1.42,
    "risk_level": "MODERATE"
  },
  "peer_benchmarks": { "peer_group_size": 47 },
  "regulatory_risk_score": { "score": 44 },
  "recommended_actions": [ ... ]
}

POST/v1/compliance/cra-geocode

CRA Geocoding

Resolve an address to its census tract and FFIEC income classification, with state-specific community-reinvestment flags.

Example Response

{
  "fips_tract": "25025070101",
  "income_classification": "MODERATE",
  "tract_mfi_percentage": 68.4,
  "state_cra_qualifying": true
}

POST/v1/compliance/lid-feasibility

Low-Income Designation Feasibility

Test whether a credit union's membership meets the 50% low-income threshold for NCUA LID and its associated powers.

Example Response

{
  "lid_qualified": true,
  "low_income_member_percentage": 61.5,
  "statutory_reference": "12 CFR §701.34",
  "ncua_submission_ready": true
}

POST/v1/market-expansion/underserved-check

Underserved-Area Qualification

Test target census tracts against NCUA investment-area distress criteria and geographic contiguity for a field-of-membership addition.

Example Response

{
  "qualification_status": "QUALIFIED",
  "qualifying_tracts": 3,
  "geographic_contiguity": true,
  "statutory_authority": "12 CFR Part 701 Appendix B"
}

GET/v1/market-expansion/banking-desert?msaCode={msa}

Banking-Desert Scoring

Rank census tracts by branch access, recent closures, and poverty to find high-opportunity expansion or ITM-placement targets.

Example Response

{
  "banking_deserts_identified": 2,
  "total_deposit_flight_estimate": 19200000,
  "desert_tracts": [ { "desert_score": 68.4 } ]
}

POST/v1/underwriting/program-matcher

Program Eligibility Matcher

Geocode a property and return every overlapping incentive program — SBA HUBZone, USDA rural, Opportunity Zone, NMTC, and CDFI investment area.

Example Response

{
  "fips_tract": "36007000300",
  "programs_matched": 3,
  "recommended_programs": [
    { "program": "SBA 7(a) HUBZone", "guaranty_percentage": 85 }
  ]
}

GET/v1/benchmarking/call-report?charter={charter}&quarter={q}

Call-Report Peer Benchmark

Percentile-rank NIM, cost of funds, delinquency, net worth, and ROA against the asset-tier peer group (state and national cohorts also returned). Live NCUA 5300 data.

Example Response

{
  "metrics": { "cost_of_funds": 3.61, "return_on_assets": 0.127 },
  "peer_group": { "basis": "asset_tier", "peer_count": 611 },
  "peer_group_percentiles": { "cost_of_funds": 99.2 }
}

GET/v1/benchmarking/deposit-market-share?state={state}&charterId={charter}

Deposit Market Share & Concentration

Compute the Herfindahl-Hirschman Index, top-5 concentration, and per-institution deposit share with real year-over-year share growth across a state's credit unions. Live NCUA 5300 data.

Example Response

{
  "market_structure": {
    "hhi_index": 755,
    "concentration_level": "UNCONCENTRATED",
    "top_5_market_share": 53.98
  }
}

GET/v1/prefiling/{charter}?cycle={q}

5300 Pre-Filing Review

Run deterministic pre-filing checks over a credit union's 5300 data: internal consistency, cross-schedule tie-outs, peer outliers, and quarter-over-quarter swings. Each flag carries account codes and the rule that fired. Live NCUA 5300 data.

Example Response

{
  "charter": 619,
  "institution": "LAFAYETTE",
  "summary": { "errors": 0, "warnings": 3, "info": 4, "total_checks": 25 },
  "flags": [{ "id": "po-1", "severity": "warning", "title": "Cost of Funds is a peer outlier (high)" }]
}

GET/v1/packs/member-growth?charter={charter}

Member Growth & Efficiency Pack

Member base health, acquisition cost, staffing efficiency and divergence detection from filed 5300 data. Includes peer benchmarks, trend data, and deterministic insight rules. Public 5300 data only — no import required.

Example Response

{
  "pack": { "id": "member_growth", "version": "v0.1", "name": "Member Growth & Efficiency" },
  "result": {
    "charter": "619", "institution": "LAFAYETTE", "cycle": "2026Q1",
    "headline": [{ "id": "member_growth_yoy", "value": -0.0076, "unit": "pct" }],
    "insights": [{ "ruleId": "member_decline", "direction": "adverse", "severity": "high" }]
  }
}