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 is a market-intelligence product covering all ~4,300 U.S. credit unions. It scores each one on three axes — vendor buying propensity, merger probability, and liquidity stress — updates them daily from news and industry channels, re-bases them on each new filing cycle, and publishes the drivers behind every score rather than returning a bare number.
How is the data collected?
From multiple data sources covering every U.S. credit union, processed through a proprietary data pipeline: each input is resolved to the correct institution, deduplicated and normalized against a verified account-code dictionary, and consolidated into a single panel rebuilt on each filing cycle, with a daily news and event layer on top. The specific sources and the pipeline are proprietary. What is published is the transformation — the derived ratios, the peer-group ranking, and the weights behind every score.
Who is it for?
Three groups that read credit unions from the outside: fintech and CUSO vendors sizing which institutions look likeliest to buy next; acquiring credit unions, advisors and investment banks tracking merger candidates; and deposit brokers, FHLB desks and whole-loan buyers matching liquidity supply to demand. A credit union analyzing only itself does not need it.
What am I actually paying for?
The transformation, not the raw numbers. The account-code dictionary, the derived capital, funding, growth and credit-quality ratios, peer-group and asset-tier ranking, a calibrated merger model, buyer-seller matching, and having all of it ready within days of each new filing cycle rather than a month after.
How accurate is the merger model?
It scores 0.86 AUC out-of-time against distress-driven mergers — the ones a regulator attributes to a credit union's own condition, not strategic combinations of healthy charters. The top-scored decile captures 55% of them, at 5.5× lift. Measured on 89 events, and the test window held no event above $500M in assets, so above that the model is untested.
Are the other two signals validated the same way?
No. Merger Radar predicts a labeled outcome and is scored against it. Vendor Signal has now been scored too — against publicly announced adoptions — and it failed: AUC 0.509 and 0.543 across two cohorts, which is the coin-flip band, where ranking by total assets alone scored 0.677 and 0.665. Liquidity Radar has now been scored too — against whether borrowings actually rose in the following quarters — and it held: AUC 0.76 to 0.83 across three as-of quarters, ahead of borrowing momentum, loan-to-share and asset size in every combination tested. That label reads borrowings only, so a credit union that funded itself with brokered deposits reads as a miss and the measured recall is a floor.
How often does it update?
Daily. News and other information channels covering these institutions are pulled every day, then typed, dated and tied to a charter, so a leadership change or a vendor announcement surfaces the day it is reported. The scores re-base on each new filing cycle, and every re-base ships a movers view: who crossed into a hot band, whose funding turned stressed, whose participation role flipped.
Can I see why an account scored the way it did?
Yes. Every score decomposes into weight × feature, with the weights published rather than hidden. A vendor propensity score carries a plain-English reason the account moved, and a merger score separates susceptibility from franchise value so the two are never read as one number.
How is it priced?
By territory — the size of the account universe you can see and export, updated daily — not by seat and not by query. Every tier gets the same model quality over its own scope. Every tier and what it covers is on the pricing page, with two months free on annual billing; the rate itself is quoted 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 prioritize a call list rather than 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 and the dashboard opens on your territory, trial or paid — that grant is automatic and immediate. An API key, where your plan includes one, is issued by a person and normally reaches you within one business day, which is a deliberate control on the scope of every grant.
Can I try it before subscribing?
Yes. Ask for a three-day free trial at admin@infinidatum.net and we will set one up on the tier you want. No card is asked for and nothing is ever charged — when the three days are up, access simply returns to the free preview. Nothing is fenced during it: you get the full territory your plan covers. We will also walk you through your own accounts on a call if you would rather see it that way first.
What happens when the trial ends?
Nothing is charged and nothing renews. The subscription closes for want of a payment method we never asked for, and your account returns to the same free preview any signed-out visitor sees — exports and full profiles stop, the top rows of each ranked list stay. Subscribing afterwards is a deliberate step you take, not one that happens to you on the third day.
Can I take a second trial?
It runs once per organization. Because a whole desk usually shares one office address, a second request is more often a colleague than anything else — so if you need more time with the product, email us and we will extend it rather than leave you evaluating against a rule.
Can I change or cancel my plan?
Yes. Paid subscriptions renew automatically at the rate quoted to you for the interval you chose until you cancel, and we email you before a renewal is charged at a new rate. Email us to cancel or to move up or down, prorated; subscriptions are managed in Stripe. Cancellation takes effect at the end of the interval already paid for, and access continues until then. Fees already paid are not refunded.
What counts as a seat, and can my team share access?
Pricing is on territory rather than seats, so the constraint is scope, not headcount: your whole team can work the account universe your plan covers. What you may not do is share credentials outside your organization or give access to a client, affiliate or portfolio company that is not part of the scope you licensed.
Is there an API, and can we load this into our warehouse?
Yes to both, at the institutional tier: the raw API, bulk export and warehouse-direct delivery. API keys are scoped to your territory and can be rotated on request. Lower tiers export from the dashboard, which covers most sales workflows without an integration project.

Using it

What arrives 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?
Re-scored accounts across all three products, and a movers digest: institutions that newly crossed into a hot band, merger bands that transitioned, funding positions that newly turned stressed, and participation roles that flipped between buyer and seller. The movers digest is the part that makes a renewal worth paying for.
How current is the data between filing cycles?
The news layer is current daily; the financial panel is not. Leadership changes, vendor announcements, M&A activity and regulatory actions surface within a day of being reported. The ratios and scores built on the filings do not move until the next cycle, so treat every financial figure as being as of the panel date shown.
A score looks wrong to me. What now?
Open the decomposition first — every score breaks into weight × feature, and most disagreements resolve to a specific input rather than to the model. If the input itself is wrong, email us the institution, the field and the value you believe is correct. We verify it, correct it at the next refresh if the error is ours, and respond either way.
Do the institutions know they are being scored?
There is no notification, no opt-in and no right of review. Scores are derived from institution-level financial data by a documented model. No institution sees its score before publication, and 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 explicit statistical scorecards with published weights, not generative models, 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, Stripe for payments and Google for analytics and optional sign-in. We do not sell personal information and we run no advertising tags.
Do you have SOC 2?
Not at present, and we state that directly rather than leave it ambiguous. There is no SOC 2 report, no ISO 27001 certificate and no third-party penetration test today. The Security page documents the controls that are in place, specifically enough to be verified, alongside the gaps. If your procurement process requires a report, raise it with us before you buy.
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 most direct way to assess the product is to review your own territory with someone who can explain what each score is doing. The pricing page publishes every rate in full, and the disclosures set out the model limitations we would rather you read before you buy than after.

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