CUSignals
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Questions

Frequently asked questions

Answered in full, including the questions that are least comfortable for us to answer. If what you need is not covered here, email admin@infinidatum.net and we will respond within two business days.

The product

What CUSignals is, what it measures, and who it is built for.

What is CUSignals?
CUSignals covers all ~4,300 U.S. credit unions for the people who work with them from the outside: vendors, acquirers and funding desks. It scores each one on how likely it is to merge and how short it is on funding, and tracks which platforms each one runs. News updates daily. Scores are rebuilt with each new filing cycle, and every score shows the factors behind it instead of a bare number.
How is the data collected?
From several sources that together cover every U.S. credit union. We match each record to the right institution, remove duplicates and map every line item to one checked set of account codes. We rebuild the dataset each filing cycle and add a daily news layer on top. The sources and the pipeline are proprietary. What we publish is what we do with the data: the ratios, the peer rankings and the weights behind every score.
Who is it for?
Three groups that read credit unions from the outside. Fintech and CUSO vendors, finding which credit unions run a competitor's system and when the contract is up. Acquiring credit unions, advisors and investment banks, tracking merger candidates. And deposit brokers, FHLB desks and whole-loan buyers, matching credit unions that need funding with those that have it. A credit union studying only itself does not need it.
What am I actually paying for?
The work between the raw filings and a list you can call from. That means the account-code mapping; capital, funding, growth and credit-quality ratios; rankings against peers and asset tiers; a calibrated merger model, meaning a 10% score should come true about one time in ten; and buyer-seller matching. And having all of it ready within days of each new filing cycle, not a month later.
How accurate is the merger model?
Accurate enough to rank a call list, and only for smaller credit unions. We counted distress-driven mergers only: ones a regulator put down to the credit union's own condition, not two healthy credit unions combining. Work the top 10% of scores and you find 55% of those mergers, 5.5 times the hit rate of a random list the same length. Given one credit union that merged under pressure and one that did not, the score ranked the merging one higher 86 times out of 100. We measured this on a later period than the score was built on. No merger in the test was above $500M in assets, so above that size it is untested.
Are the other two signals validated the same way?
No. Each was tested against a different outcome, and one failed. Liquidity Radar held up. Given one credit union that went on to borrow and one that did not, it ranked the borrower higher 76 to 83 times out of 100 across three quarters. It beat recent borrowing growth, loan-to-share and asset size in every combination we tested. Vendor Signal did not pass its test. It is not offered as a call list, and where the app still shows its scores they are labeled as unvalidated context.
How often does it update?
Daily. We read news and other channels covering these institutions every day. Each item is labeled, dated and tied to one credit union, so a leadership change or vendor announcement shows up the day it is reported. Scores are rebuilt with each new filing cycle. Each rebuild comes with a movers view: whose merger risk changed band, whose funding turned stressed, and who switched between buying and selling loans.
Can I see why an account scored the way it did?
Yes. Every score breaks into the few factors that built it, and each factor's weight is published, not hidden. A merger score keeps two things apart: how likely the credit union is to merge, and how attractive it would be to an acquirer. You never have to read them as one number.
How is it priced?
By territory: how many credit unions you can see and export, updated daily. Not by seat, and not by search. Every tier gets the same scores over its own part of the market. The pricing page lists every tier and what it covers, with two months free on annual billing. We quote the rate per organization, so email admin@infinidatum.net with the territory you need and we will send it.
Are the scores financial advice?
No. Every score is a model estimate, built to help you decide who to call first, not to underwrite a decision. Nothing CUSignals publishes is investment, credit or merger advice. None of it is a recommendation about any specific institution, and CUSignals does not employ licensed advisors.

Buying and billing

The trial, pricing, provisioning, seats, cancellation and the API.

What happens after I pay?
Sign in with the email you gave us. The dashboard opens on your territory right away, whether you are on a trial or a paid plan. If your plan includes an API key, a person issues it, usually within one business day. We do that on purpose, as a check on the scope of every grant.
Can I try it before subscribing?
Yes. Email admin@infinidatum.net to ask for a three-day free trial, and we will set it up on the tier you want. We do not ask for a card and never charge anything. When the three days end, your access goes back to the free preview. Nothing is held back during the trial: you get the full territory your plan covers. If you would rather see it on a call first, we can walk you through your own accounts.
What happens when the trial ends?
Nothing is charged and nothing renews. We never asked for a payment method, so the subscription simply closes. Your account goes back to the free preview any signed-out visitor sees: exports and full profiles stop, and the top rows of each ranked list stay. Subscribing afterward is a step you choose to take. It does not happen to you on day three.
Can I take a second trial?
Trials run once per organization. A whole desk often shares one office address, so a second request is usually a colleague. If you need more time with the product, email us and we will extend your trial rather than hold you to the rule.
Can I change or cancel my plan?
Yes. Paid plans renew automatically at your quoted rate, for the interval you chose, until you cancel. We email you before any renewal at a new rate. Email us to cancel or to move up or down; changes are prorated, and subscriptions are managed in Stripe. A cancellation takes effect at the end of the period you already paid for, and you keep access until then. Fees already paid are not refunded.
What happens to my account and exports if I cancel?
You can cancel by email at any time, with no retention call and no reason needed. We act on it within one business day and confirm it in writing. Access continues to the end of the period you already paid for. Exports you took while subscribed stay yours to use inside your organization. We keep account and billing records only as long as legal, tax and audit obligations require, and you can ask us to delete your account at any time.
What counts as a seat, and can my team share access?
Pricing is based on territory, not seats, so the limit is scope, not headcount. Your whole team can work the credit unions your plan covers. You may not share logins outside your organization, or give access to a client, affiliate or portfolio company outside the scope you licensed.
Is there an API, and can we load this into our warehouse?
Yes to both, on the Institutional tier: the raw API, bulk export and delivery straight into your warehouse. API keys are limited to your territory and can be rotated on request. Lower tiers export from the dashboard, which covers most sales work without an integration project.

Using it

What changes each day and each filing cycle, how current the data is, and what to do when a score looks wrong.

What do I get on the day a new filing cycle lands?
Every account is re-scored across all three products, and you get a movers digest. It shows whose merger risk changed band, whose funding newly turned stressed, and who switched between buying and selling loans. The movers digest is what makes a renewal worth paying for.
How current is the data between filing cycles?
The news is current daily; the financial data is not. Leadership changes, vendor announcements, mergers and regulatory actions appear within a day of being reported. Ratios and scores built on the filings only change at the next filing cycle. So read every financial figure as of the data date shown.
A score looks wrong to me. What now?
Open the score breakdown first. Every score splits into the factors that built it, and most disagreements turn out to be about one input, not the scoring itself. If an input is wrong, email us the credit union, the field and the value you believe is correct. We check it, fix it at the next refresh if the mistake is ours, and reply either way.
Do the institutions know they are being scored?
No. No one is notified, asked to opt in, or given a right of review. Scores come from institution-level financial data through a documented model. No credit union sees its score before we publish it. None can pay to change it, to be removed from a ranking, or to be hidden from a competitor's territory.

Trust, security and compliance

The questions procurement, security and legal review before a signature.

Is CUSignals affiliated with any regulator?
No. It is an independent research product, not affiliated with, endorsed by, sponsored by or acting for any regulator, supervisory authority, insurer, trade association, or any institution it covers. Institution names appear descriptively, to identify the subject of an analysis.
Do you hold any member or consumer data?
No. The Service operates at the level of the institution and holds no member-level or consumer financial records. Our Terms forbid subscribers from sending us any, and there is no feature that asks for it. The most sensitive data we hold is a subscriber's name, email and plan.
Do you train AI models on our data?
No, and we do not authorize any provider to. The scores are plain scorecards with published weights, not generative AI, and nothing you do in the dashboard becomes training data. Where AI assists our internal pipeline, it runs through United States providers under the same restriction.
Where is our data processed?
In the United States, by United States companies subject to United States law. Every sub-processor is named in the Privacy Policy — Vercel for hosting, Neon for the database, Upstash for rate limiting, Stripe for payments, Google for analytics and optional sign-in, and Anthropic for reading public news articles and research-desk questions the built-in parser cannot. We do not sell personal information and we run no advertising tags.
Do you have SOC 2?
Not currently. We complete security questionnaires and provide control documentation on request, before you contract. The Security page gives an overview.
Can we redistribute the scores to our clients?
Not under a standard subscription — exports are licensed for use inside your own organization. Redistribution, embedding scores in a product you sell, and warehouse-direct delivery are each available under a separate license, and we grant them routinely. Request one rather than assume; the Copyright & Content Use policy sets out the boundary.

Evaluating CUSignals

The quickest way to judge the product is to go through your own territory with someone who can explain what each score is doing. The pricing page lays out every tier and what it covers. The disclosures set out the model’s limits, which we would rather you read before you buy than after.

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