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CRCP lending layer: NCUA credit unions dataset (TK-10090)
8c86e800f5208b10175bb9d7055cf6984246fe35 · 2026-07-31 10:59:07 -0700 · Steve Abrams
Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>
Files touched
A data/ncua-credit-unions.jsonA public/credit-unions.htmlA scripts/fetch-ncua-credit-unions.js
Diff
commit 8c86e800f5208b10175bb9d7055cf6984246fe35
Author: Steve Abrams <steve@designerwallcoverings.com>
Date: Fri Jul 31 10:59:07 2026 -0700
CRCP lending layer: NCUA credit unions dataset (TK-10090)
Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>
---
data/ncua-credit-unions.json | 1 +
public/credit-unions.html | 76 ++++++++++
scripts/fetch-ncua-credit-unions.js | 278 ++++++++++++++++++++++++++++++++++++
3 files changed, 355 insertions(+)
diff --git a/data/ncua-credit-unions.json b/data/ncua-credit-unions.json
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+{"meta":{"source":"NCUA","source_url":"https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data","source_home":"https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data","access_method":"official_bulk_file","dataset":"NCUA Quarterly Call Report data","quarter":"2026-03","file":"https://ncua.gov/files/publications/analysis/call-report-data-2026-03.zip","scope":"Credit unions with a physical office in Los Angeles County, CA (scoped via the Call Report Branch Information county field)","la_offices":354,"personal_data":false,"count":104,"retrieved_at":"2026-07-31T17:58:10.117Z"},"credit_unions":[{"id":58,"charter":"24212","name":"SCHOOLSFIRST","members":1568368,"total_assets":36737428874,"la_branches":21,"city":"Cerritos","hq_city":"SANTA ANA","hq_state":"CA","charter_state":"CA","zip":"92711","street":"P.O. 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A. MISSION","members":841,"total_assets":8606027,"la_branches":1,"city":"San Fernando","hq_city":"San Fernando","hq_state":"CA","charter_state":"CA","zip":"91341","street":"P.O. Box 630","year_opened":1971,"mdi":true,"source":"NCUA","source_url":"https://mapping.ncua.gov/ResearchCreditUnion?ID=20720","identifier":"NCUA charter 20720","retrieved_at":"2026-07-31T17:58:10.117Z"},{"id":63,"charter":"24506","name":"EPISCOPAL COMMUNITY","members":985,"total_assets":6625294,"la_branches":1,"city":"Los Angeles","hq_city":"Los Angeles","hq_state":"CA","charter_state":"CA","zip":"90026","street":"840 Echo Park Ave","year_opened":1994,"mdi":true,"source":"NCUA","source_url":"https://mapping.ncua.gov/ResearchCreditUnion?ID=24506","identifier":"NCUA charter 24506","retrieved_at":"2026-07-31T17:58:10.117Z"},{"id":49,"charter":"17841","name":"VALLEY AGRICULTURAL","members":557,"total_assets":4755068,"la_branches":1,"city":"Valencia","hq_city":"SANTA PAULA","hq_state":"CA","charter_state":"CA","zip":"93060","street":"1141 CUMMINGS RD","year_opened":1966,"mdi":false,"source":"NCUA","source_url":"https://mapping.ncua.gov/ResearchCreditUnion?ID=17841","identifier":"NCUA charter 17841","retrieved_at":"2026-07-31T17:58:10.117Z"},{"id":15,"charter":"4393","name":"SUNKIST EMPLOYEES","members":506,"total_assets":3959286,"la_branches":1,"city":"Valencia","hq_city":"Valencia","hq_state":"CA","charter_state":"CA","zip":"91355-1092","street":"27770 N Entertainment Dr","year_opened":1941,"mdi":true,"source":"NCUA","source_url":"https://mapping.ncua.gov/ResearchCreditUnion?ID=4393","identifier":"NCUA charter 4393","retrieved_at":"2026-07-31T17:58:10.117Z"},{"id":19,"charter":"5960","name":"U.S.B. EMPLOYEES","members":303,"total_assets":3207028,"la_branches":1,"city":"Wilmington","hq_city":"Wilmington","hq_state":"CA","charter_state":"CA","zip":"90744-6407","street":"300 Falcon St.","year_opened":1949,"mdi":false,"source":"NCUA","source_url":"https://mapping.ncua.gov/ResearchCreditUnion?ID=5960","identifier":"NCUA charter 5960","retrieved_at":"2026-07-31T17:58:10.117Z"},{"id":26,"charter":"9044","name":"COLUMBUS CLUB","members":196,"total_assets":3040635,"la_branches":1,"city":"San Fernando","hq_city":"San Fernando","hq_state":"CA","charter_state":"CA","zip":"91341","street":"PO Box 1231","year_opened":1953,"mdi":true,"source":"NCUA","source_url":"https://mapping.ncua.gov/ResearchCreditUnion?ID=9044","identifier":"NCUA charter 9044","retrieved_at":"2026-07-31T17:58:10.117Z"}]}
\ No newline at end of file
diff --git a/public/credit-unions.html b/public/credit-unions.html
new file mode 100644
index 0000000..7a48bec
--- /dev/null
+++ b/public/credit-unions.html
@@ -0,0 +1,76 @@
+<!doctype html>
+<html lang="en">
+<head>
+<meta charset="utf-8">
+<meta name="viewport" content="width=device-width, initial-scale=1">
+<link rel="icon" href="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Crect width='16' height='16' rx='3' fill='%230c0f15'/%3E%3Ctext x='8' y='12' font-size='9' text-anchor='middle' fill='%23C8A24B'%3E%F0%9F%A4%9D%3C/text%3E%3C/svg%3E">
+<title>Credit Unions — with LA County offices (NCUA)</title>
+<link rel="stylesheet" href="/lending-grid.css">
+</head>
+<body>
+<header>
+ <h1><b>🤝 Credit Unions</b> — LA County</h1>
+ <div class="nav"><a href="/lending.html">← Lending</a><a href="/crcp.html">CRCP</a><a href="/lenders.html">🏦 Lenders</a><a href="/mortgage-market.html">📊 Market</a></div>
+ <span class="spacer"></span>
+ <input class="search" id="q" type="text" placeholder="search all fields — name, city, charter, source… (space = AND)">
+ <div class="toggle" id="view"><button data-v="table" class="on">▦ List</button><button data-v="grid">▤ Grid</button></div>
+ <select id="sortsel" title="Sort"></select>
+ <label id="denswrap" title="Card density — grid view">⤢<input type="range" id="density" min="1" max="10" step="1"></label>
+ <button class="csvbtn" id="csv" title="Export current rows to CSV">⬇ CSV</button>
+ <span class="count" id="count">…</span>
+</header>
+<div class="shell">
+<aside class="rail">
+ <div id="railFacets"></div>
+ <div class="rsec"><h4>Fields / columns — show / hide</h4>
+ <div class="fieldtoggles" id="fFields"></div>
+ <div style="margin-top:8px"><button class="minibtn" id="fAll">All</button><button class="minibtn" id="fNone">None</button><button class="minibtn" id="fReset" title="Reset columns to the tight default">↺ Reset</button></div>
+ <div class="mut" style="font-size:10.5px;margin-top:7px;line-height:1.35">Drag a column header to reorder · drag its right edge to resize · click to sort.</div>
+ </div>
+</aside>
+<div class="wrap">
+ <div class="databar"><span class="pubtag">Public data</span><span id="demoNote">NCUA Quarterly Call Report — official public bulk data</span></div>
+ <div id="tableView" class="tblwrap"><table class="g" data-no-sort><thead id="thead"></thead><tbody id="tbody"></tbody></table></div>
+ <div id="gridView" class="grid hide"></div>
+</div>
+</div>
+<div id="ov"><div id="modal"><button class="x" aria-label="Close" onclick="document.getElementById('ov').classList.remove('on')">✕</button><div id="mbody"></div></div></div>
+<script>
+window.GRID_CONFIG = {
+ ns: 'crcpCU', noun: 'credit unions', nameKey: 'name', idKey: 'id',
+ title: 'NCUA-insured credit union · LA County office',
+ api: '/api/lending/credit-unions', dataKey: 'credit_unions',
+ sortKey: 'la_branches', sortDir: -1,
+ defaultCols: ['name', 'charter', 'members', 'total_assets', 'la_branches', 'source'],
+ badgeClass: (k, v) => 'com',
+ cols: [
+ // Identity
+ { k: 'name', l: 'Credit union', t: 's', g: 'Identity', max: 46 },
+ { k: 'charter', l: 'NCUA charter #', t: 's', g: 'Identity' },
+ { k: 'mdi', l: 'Minority-owned (MDI)', t: 'bool', g: 'Identity', def: 0 },
+ // LA presence
+ { k: 'la_branches', l: 'LA offices', t: 'n', g: 'LA presence' },
+ { k: 'city', l: 'LA city', t: 's', g: 'LA presence' },
+ // Size
+ { k: 'members', l: 'Members', t: 'n', g: 'Size' },
+ { k: 'total_assets', l: 'Total assets', t: 'money', g: 'Size' },
+ // Headquarters
+ { k: 'hq_city', l: 'HQ city', t: 's', g: 'Headquarters', def: 0 },
+ { k: 'hq_state', l: 'HQ state', t: 's', g: 'Headquarters', def: 0 },
+ { k: 'charter_state', l: 'Charter state', t: 's', g: 'Headquarters', def: 0 },
+ { k: 'year_opened', l: 'Year opened', t: 's', g: 'Headquarters', def: 0 },
+ // Provenance
+ { k: 'source', l: 'Source', t: 'src', g: 'Evidence' },
+ { k: 'retrieved_at', l: 'Retrieved', t: 'date', g: 'Evidence', def: 0 },
+ ],
+ facets: [
+ { k: 'cu_size', l: 'Asset size', derive: r => (r.total_assets || 0) >= 1e9 ? '$1B+' : (r.total_assets || 0) >= 1e8 ? '$100M–$1B' : (r.total_assets || 0) >= 1e7 ? '$10M–$100M' : 'Under $10M', limit: 6 },
+ { k: 'la_size', l: 'LA presence', derive: r => r.la_branches >= 10 ? '10+ offices' : r.la_branches >= 3 ? '3–9 offices' : '1–2 offices', limit: 4 },
+ { k: 'mdi', l: 'Minority-owned (MDI)', derive: r => r.mdi ? 'Yes' : 'No', limit: 2 },
+ ],
+};
+</script>
+<script src="/lending-grid.js" defer></script>
+<script src="/col-resize.js" defer></script>
+</body>
+</html>
diff --git a/scripts/fetch-ncua-credit-unions.js b/scripts/fetch-ncua-credit-unions.js
new file mode 100644
index 0000000..b750a7c
--- /dev/null
+++ b/scripts/fetch-ncua-credit-unions.js
@@ -0,0 +1,278 @@
+#!/usr/bin/env node
+// fetch-ncua-credit-unions.js — CRCP "Credit Unions" builder for the lending-intelligence layer.
+//
+// Pulls REAL public data only ($0, unauthenticated) from the official NCUA Quarterly Call Report
+// bulk data file. Unlike FDIC, NCUA has no clean REST API — the canonical public route is the
+// quarterly ZIP of pipe/comma-delimited Call Report tables published at:
+// https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data
+// file: /files/publications/analysis/call-report-data-YYYY-MM.zip (verified reachable 2026-07-31)
+//
+// From that one official ZIP we read three tables:
+// • "Credit Union Branch Information.txt" — every physical office, with PhysicalAddressCountyName2.
+// This is how we scope to Los Angeles County (STATE=CA, county="Los Angeles").
+// • FOICU.txt — credit-union master (charter #, name, HQ city/state, year opened, MDI flag).
+// • FS220.txt — financial statement (ACCT_010 = TOTAL ASSETS, ACCT_083 = number of current members).
+//
+// The deliverable (data/ncua-credit-unions.json) is a DIRECTORY OF CREDIT UNIONS with an office/branch
+// in LA County — each row joined to its authoritative NCUA master facts + total-assets/members from the
+// same quarter's Call Report, plus its LA-County branch count.
+//
+// Every row is source-cited: source="NCUA", source_url=official per-CU deep link on the NCUA
+// Research-a-Credit-Union locator, identifier=NCUA charter #, retrieved_at=now. No personal data —
+// institutions only. Idempotent + re-runnable. Logs real source URLs + row counts. $0, public, no key.
+//
+// If the bulk ZIP genuinely cannot be reached/parsed, writes an HONEST manual_review_only stub
+// (meta explains why + deep-links the official lookup) with an EMPTY array — never invents data.
+//
+// Run: node scripts/fetch-ncua-credit-unions.js
+
+const fs = require('fs');
+const path = require('path');
+const os = require('os');
+const { execFileSync } = require('child_process');
+
+const ROOT = path.join(__dirname, '..');
+const OUT = path.join(ROOT, 'data', 'ncua-credit-unions.json');
+
+// ---- real public source (NCUA Quarterly Call Report bulk data, verified reachable 2026-07-31, $0) ----
+const FILES_BASE = 'https://ncua.gov/files/publications/analysis';
+const HUMAN = 'https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data';
+// NCUA "Research a Credit Union" public locator — per-CU deep link by charter number.
+const LOCATOR = 'https://mapping.ncua.gov/ResearchCreditUnion';
+const STATE = 'CA';
+const COUNTY = 'Los Angeles';
+
+// Quarter candidates, newest-first — the current year's Q1/Q2/Q3/Q4 then the prior year's Q4.
+// (The most recent published quarter wins; we probe until one downloads.)
+function quarterCandidates() {
+ const now = new Date();
+ const y = now.getUTCFullYear();
+ const q = ['12', '09', '06', '03'];
+ const cands = [];
+ for (const yr of [y, y - 1]) for (const m of q) cands.push(`${yr}-${m}`);
+ return cands;
+}
+
+function log(...a) { console.log('[ncua-credit-unions]', ...a); }
+
+// Download a URL to a local file via curl (-L follows redirects, hard timeout). Public, $0.
+function download(url, dest) {
+ execFileSync('curl', ['-sL', '--fail', '--max-time', '200', '-o', dest, url], {
+ stdio: ['ignore', 'ignore', 'ignore'], maxBuffer: 8 * 1024 * 1024,
+ });
+}
+
+// Minimal CSV parser (RFC-4180-ish: quoted fields, embedded commas, doubled quotes). The NCUA
+// txt tables are comma-delimited with double-quoted string fields.
+function parseCSV(text) {
+ const rows = [];
+ let row = [], field = '', inq = false;
+ for (let i = 0; i < text.length; i++) {
+ const c = text[i];
+ if (inq) {
+ if (c === '"') { if (text[i + 1] === '"') { field += '"'; i++; } else inq = false; }
+ else field += c;
+ } else {
+ if (c === '"') inq = true;
+ else if (c === ',') { row.push(field); field = ''; }
+ else if (c === '\r') { /* skip */ }
+ else if (c === '\n') { row.push(field); rows.push(row); row = []; field = ''; }
+ else field += c;
+ }
+ }
+ if (field.length || row.length) { row.push(field); rows.push(row); }
+ return rows;
+}
+
+// Read a member of the downloaded ZIP to a string via the system `unzip -p` (present on macOS/Linux).
+function unzipMember(zipPath, member) {
+ return execFileSync('unzip', ['-p', zipPath, member], {
+ encoding: 'utf8', maxBuffer: 256 * 1024 * 1024,
+ });
+}
+
+function atomicWrite(file, obj) {
+ fs.writeFileSync(file + '.tmp', JSON.stringify(obj));
+ fs.renameSync(file + '.tmp', file);
+}
+
+// Parse an NCUA numeric that may be blank/"" — returns a Number or null.
+function num(v) {
+ if (v == null) return null;
+ const s = String(v).trim();
+ if (!s) return null;
+ const n = Number(s);
+ return Number.isFinite(n) ? n : null;
+}
+
+// The NCUA CYCLE_DATE / dates look like "3/31/2026 0:00:00" — keep the date part only.
+function datePart(v) {
+ if (!v) return null;
+ const s = String(v).trim();
+ const m = s.match(/^(\d{1,2}\/\d{1,2}\/\d{4})/);
+ return m ? m[1] : (s || null);
+}
+
+// Write the honest empty stub (used only if the official bulk route can't be reached/parsed).
+function writeStub(reason, retrieved_at, quarter) {
+ const meta = {
+ source: 'NCUA',
+ source_url: HUMAN,
+ source_home: HUMAN,
+ access_method: 'manual_review_only',
+ personal_data: false,
+ scope: `Credit unions with a physical office in ${COUNTY} County, ${STATE}`,
+ note: `Automated bulk route unavailable (${reason}). No data fabricated. `
+ + `Look up credit unions manually at the official NCUA locator: ${LOCATOR} `
+ + `(or download the quarterly Call Report ZIP at ${HUMAN}).`,
+ quarter: quarter || null,
+ count: 0,
+ retrieved_at,
+ };
+ atomicWrite(OUT, { meta, credit_unions: [] });
+ log('WROTE MANUAL-REVIEW STUB (empty array):', reason);
+}
+
+function main() {
+ const retrieved_at = new Date().toISOString();
+ const tmp = path.join(os.tmpdir(), `ncua-cr-${process.pid}.zip`);
+
+ // 1) Download the most recent reachable quarterly Call Report ZIP.
+ let quarter = null;
+ for (const q of quarterCandidates()) {
+ const url = `${FILES_BASE}/call-report-data-${q}.zip`;
+ try {
+ download(url, tmp);
+ if (fs.existsSync(tmp) && fs.statSync(tmp).size > 100000) { quarter = q; log(`downloaded ${url}`); break; }
+ } catch (_) { /* try older quarter */ }
+ }
+ if (!quarter) { writeStub('quarterly Call Report ZIP not reachable', retrieved_at, null); return; }
+
+ // 2) Read the three tables out of the ZIP.
+ let branchRows, foicuRows, fsRows;
+ try {
+ branchRows = parseCSV(unzipMember(tmp, 'Credit Union Branch Information.txt'));
+ foicuRows = parseCSV(unzipMember(tmp, 'FOICU.txt'));
+ fsRows = parseCSV(unzipMember(tmp, 'FS220.txt'));
+ } catch (e) {
+ try { fs.unlinkSync(tmp); } catch (_) {}
+ writeStub(`ZIP member parse failed: ${e.message.split('\n')[0]}`, retrieved_at, quarter);
+ return;
+ }
+ try { fs.unlinkSync(tmp); } catch (_) {}
+
+ const idx = (hdr, name) => hdr.indexOf(name);
+
+ // --- Branches: find CUs (by CU_NUMBER) with an LA-County office; count LA branches each. ---
+ const bh = branchRows[0] || [];
+ const bCU = idx(bh, 'CU_NUMBER');
+ const bState = idx(bh, 'PhysicalAddressStateCode');
+ const bCounty = idx(bh, 'PhysicalAddressCountyName2');
+ const bCity = idx(bh, 'PhysicalAddressCity');
+ if (bCU < 0 || bState < 0 || bCounty < 0) {
+ writeStub('Branch Information table missing expected columns', retrieved_at, quarter);
+ return;
+ }
+ const laBranchCount = {}; // CU_NUMBER -> LA-County office count
+ const laCity = {}; // CU_NUMBER -> a representative LA-County city
+ let laBranchTotal = 0;
+ for (let i = 1; i < branchRows.length; i++) {
+ const r = branchRows[i];
+ if (!r || r.length <= Math.max(bCU, bState, bCounty)) continue;
+ const st = (r[bState] || '').trim();
+ const cty = (r[bCounty] || '').trim();
+ if (st === STATE && cty.toLowerCase() === COUNTY.toLowerCase()) {
+ const cu = (r[bCU] || '').trim();
+ if (!cu) continue;
+ laBranchCount[cu] = (laBranchCount[cu] || 0) + 1;
+ laBranchTotal++;
+ if (!laCity[cu] && bCity >= 0 && (r[bCity] || '').trim()) laCity[cu] = (r[bCity] || '').trim();
+ }
+ }
+ const laCUs = Object.keys(laBranchCount);
+ log(`LA County offices: ${laBranchTotal} across ${laCUs.length} distinct credit unions`);
+ if (!laCUs.length) { writeStub('no LA-County offices found in Branch Information table', retrieved_at, quarter); return; }
+
+ // --- FOICU master keyed by CU_NUMBER. ---
+ const fh = foicuRows[0] || [];
+ const fCU = idx(fh, 'CU_NUMBER');
+ const fName = idx(fh, 'CU_NAME');
+ const fCity = idx(fh, 'CITY');
+ const fState = idx(fh, 'STATE');
+ const fZip = idx(fh, 'ZIP_CODE');
+ const fStreet = idx(fh, 'STREET');
+ const fYear = idx(fh, 'YEAR_OPENED');
+ const fMDI = idx(fh, 'IsMDI');
+ const fCharterState = idx(fh, 'CharterState');
+ const master = {};
+ for (let i = 1; i < foicuRows.length; i++) {
+ const r = foicuRows[i];
+ if (!r || fCU < 0 || r.length <= fCU) continue;
+ master[(r[fCU] || '').trim()] = r;
+ }
+
+ // --- FS220 financials keyed by CU_NUMBER (ACCT_010 assets, ACCT_083 members). ---
+ const sh = fsRows[0] || [];
+ const sCU = idx(sh, 'CU_NUMBER');
+ const sAssets = idx(sh, 'ACCT_010');
+ const sMembers = idx(sh, 'ACCT_083');
+ const fin = {};
+ for (let i = 1; i < fsRows.length; i++) {
+ const r = fsRows[i];
+ if (!r || sCU < 0 || r.length <= sCU) continue;
+ fin[(r[sCU] || '').trim()] = r;
+ }
+ log(`FS220 financial rows: ${Object.keys(fin).length}; FOICU master rows: ${Object.keys(master).length}`);
+
+ // --- Build the credit-unions directory: one row per CU with an LA-County office. ---
+ const credit_unions = laCUs.map((cu, i) => {
+ const m = master[cu] || [];
+ const f = fin[cu] || [];
+ const get = (row, i2) => (i2 >= 0 && row && row.length > i2 ? row[i2] : null);
+ const name = (get(m, fName) || '').trim() || `NCUA charter ${cu}`;
+ const assets = sAssets >= 0 ? num(get(f, sAssets)) : null; // TOTAL ASSETS ($ actual dollars)
+ const members = sMembers >= 0 ? num(get(f, sMembers)) : null;
+ return {
+ id: i + 1,
+ charter: cu, // NCUA charter number (CU_NUMBER)
+ name,
+ members: members != null ? members : null,
+ total_assets: assets != null ? assets : null, // $ actual dollars (NOT thousands)
+ la_branches: laBranchCount[cu] || 0,
+ city: laCity[cu] || (get(m, fCity) || '').trim() || null,
+ hq_city: (get(m, fCity) || '').trim() || null,
+ hq_state: (get(m, fState) || '').trim() || null,
+ charter_state: (get(m, fCharterState) || '').trim() || null,
+ zip: (get(m, fZip) || '').trim() || null,
+ street: (get(m, fStreet) || '').trim() || null,
+ year_opened: get(m, fYear) ? num(get(m, fYear)) : null,
+ mdi: fMDI >= 0 ? /^(1|true|yes)$/i.test((get(m, fMDI) || '').trim()) : null, // minority depository institution
+ // provenance (package §16 evidence-first)
+ source: 'NCUA',
+ source_url: `${LOCATOR}?ID=${encodeURIComponent(cu)}`,
+ identifier: `NCUA charter ${cu}`,
+ retrieved_at,
+ };
+ }).sort((a, b) => (b.la_branches - a.la_branches) || ((b.total_assets || 0) - (a.total_assets || 0)));
+
+ const meta = {
+ source: 'NCUA',
+ source_url: HUMAN,
+ source_home: HUMAN,
+ access_method: 'official_bulk_file',
+ dataset: 'NCUA Quarterly Call Report data',
+ quarter,
+ file: `${FILES_BASE}/call-report-data-${quarter}.zip`,
+ scope: `Credit unions with a physical office in ${COUNTY} County, ${STATE} (scoped via the Call Report Branch Information county field)`,
+ la_offices: laBranchTotal,
+ personal_data: false,
+ count: credit_unions.length,
+ retrieved_at,
+ };
+
+ atomicWrite(OUT, { meta, credit_unions });
+ log(`wrote ${credit_unions.length} credit unions → ${path.relative(ROOT, OUT)}`);
+ log('source:', HUMAN, `(quarter ${quarter}, $0, official NCUA public bulk file)`);
+}
+
+main();
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