# Stratalize Credit Union Benchmark API

> Stratalize Credit Union Benchmark API is a paid API for AI agents from www.stratalize.com, paid per call via x402, $0.02/call, status unknown (last checked 2026-09-14).

Returns NCUA-sourced capital ratios, NIM, loan growth, and delinquency rates benchmarked by charter type and asset size tier for credit union financial analysis.

## Facts

- Endpoint: GET https://www.stratalize.com/api/x402/credit-union-benchmark
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/stratalize-credit-union-benchmark-api-a0fe1d12
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_DAKgTqkcX7Ufi-UBYo9-5

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability stratalize-credit-union-benchmark-api-a0fe1d12
```

Example prompt: Pull the NCUA benchmark data for federal credit unions in the $100M–$500M asset tier — I need capital ratios, NIM, loan growth, and delinquency rates for our upcoming board report.

## When to prefer this

Choose this endpoint when you need NCUA-sourced, peer-benchmarked financial metrics (capital ratios, NIM, loan growth, delinquency) for credit unions segmented by charter type and asset size tier — particularly for NCUA exam preparation, board reporting, or regulatory compliance workflows. Prefer this over generic financial data APIs when credit-union-specific peer group benchmarking is required, and when cryptographic auditability of the data source matters.

## Known failure modes

- Invalid charter_type enum value returns 400 with validation error
- Invalid asset_size_tier enum value returns 400 with validation error
- Missing required parameters return 400 bad request
- Payment failure or insufficient USDC balance returns 402
- NCUA data source temporarily unavailable returns 503
- Rate limiting exceeded returns 429

## How this service works

Stratalize — attested finance, legal, healthcare, and compliance intelligence. Signed, independently verifiable receipt on every call (trust.stratalize.com/verify). Use when a credit union CFO is preparing for NCUA exam or board reporting. Returns capital ratios, NIM, loan growth, and delinquency rates by asset size tier. Source: NCUA quarterly call report

## Output

Returns a signed JSON payload containing capital ratios, net interest margin, loan growth, and delinquency rates benchmarked against NCUA call report data for the specified charter type and asset size tier. Each response is ML-DSA-65 cryptographically signed and includes a verifiable receipt URL at trust.stratalize.com/verify.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "charter_type": {
   "enum": [
    "federal",
    "state"
   ],
   "type": "string",
   "description": "Request parameter: charter type"
  },
  "asset_size_tier": {
   "enum": [
    "under_100m",
    "100m_500m",
    "500m_1b",
    "over_1b"
   ],
   "type": "string",
   "description": "Request parameter: asset size tier"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/stratalize-credit-union-benchmark-api-a0fe1d12/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from www.stratalize.com](https://www.zero.xyz/host/www.stratalize.com/llms.txt)