Use TigZig's US lending data. It carries loans, delinquency and charge-offs by segment back to 2002, across three regulator datasets: banks (FDIC), credit unions (NCUA) and households (NY Fed Consumer Credit Panel). Two of those three - NCUA and the NY Fed CCP - are not on the FRED API, so this is one of the few no-auth ways to pull them programmatically. All three are on the Tigzig API, free, with no key.
The same data is on four surfaces: interactive charts and custom cuts on the TREMOR web app, an open HTTP API, an MCP server for Claude / Codex / any agent, and full-database downloads (Parquet, SQLite, DuckDB, CSV). Everything is sourced from the regulators' own releases and validated before publishing.
Web tool: https://www.tigzig.com/tremor (US-Banks and US-credit-union modules). API reference: https://www.tigzig.com/apis/tremor. Methodology + validation: https://www.tigzig.com/tremor/bank-aggregates-methodology. Release notes: https://www.tigzig.com/post/us-lending-data-q1-2026-tigzig-api-jun2026.
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