Research policies
These are the standards QuarterCall Research works to. Each report links here from the note at its end. Last updated November 11, 2026.
Who publishes this
QuarterCall Research is published by IP Foundries, LLC, an Arizona limited liability company.
We are not affiliated with or endorsed by the National Credit Union Administration (NCUA) or any credit union, and we do not speak for them.
Where the figures come from
Every figure is computed by us from the Call Reports (NCUA Form 5300) that federally insured credit unions file each quarter and the NCUA makes public. They are our calculations, not the NCUA's published figures, and the two can differ.
Each report names the data quarter it covers and the data release its figures came from. A credit union can amend a filing after we publish. A dated report keeps the figures it was published with; later releases carry the amended ones.
We do not audit filings. A figure is only as accurate as the filing behind it and our calculation from it. The methodology sets out the sources, definitions and checks, and how a published report is revised.
Independence
We retain sole editorial control of our public research.
- We do not accept payment for public editorial coverage.
- Buying a QuarterCall product does not buy coverage, and it gives no right to approve what we publish.
- We may contact a credit union to check a fact before we publish. That is verification, not approval.
Our interpretations rest on figures the report shows. We do not claim knowledge of a credit union's condition, conduct or regulatory standing beyond what its public filings show.
What the research is not
This is general research. It is not investment, financial, legal, accounting, regulatory or examination advice, and it is not tailored to any institution or person. It should not be the sole basis for a decision.
If you are a member of a credit union. This analysis does not determine your account's insurance coverage, and it does not recommend opening, keeping or closing an account. Eligible share accounts at federally insured credit unions are insured by the NCUA, subject to limits and ownership-category rules. Check your coverage with the NCUA's share insurance questions and answers and its share insurance estimator.
Corrections
To report a possible error, write to [email protected] with:
- the address of the page,
- the statement or figure concerned, and
- the source that shows it is wrong.
We assess substantive error reports and correct material errors we confirm. A material correction is listed in the dated revision notes at the end of the affected report, with an explanation. A change that follows an amended filing is marked as a data revision.
Quoting and reuse
You are welcome to quote our research with attribution, and to circulate a report within your institution, for example in a board packet. Each dated report ends with a line showing how to cite it.
The underlying Call Report filings are public. The text, charts and analytical methods are our own work.
Accuracy
We work to make every figure right, and we publish our method so that it can be checked. The research is provided as it is, without a promise that it is complete or free of error.