cdfi-benchmark 0.1.0

CDFI and MDI peer benchmarking tool using FDIC call report data — NIM, efficiency ratio, ROAA, CET1, and more

cdfi-benchmark 📊

CDFI and MDI peer benchmarking tool using FDIC call report data.

Pull call report financials for any FDIC-insured CDFI or MDI, compute key performance metrics, build a peer group of similar institutions, and generate a benchmarking report — using the free FDIC BankFind Suite API, no API key required.

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Why cdfi-benchmark?

CDFI banks and MDIs benchmark their performance against peers manually — pulling call report data from FFIEC, computing ratios in Excel, and building comparison tables by hand. cdfi-benchmark automates the entire workflow in Python.

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Installation

pip install cdfi-benchmark

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Quickstart

from cdfibenchmark import (
    get_financials, build_peer_group,
    generate_report, summary_table,
)

# Pull call report data for Broadway Federal Bank (CERT 57542)
institution = get_financials(cert=57542)

# Build peer group — similar asset size, no API key needed
peers = build_peer_group(institution, same_state=True)

# Generate benchmarking report
report = generate_report(institution, peers)
print(report)

# Get results as DataFrame
df = summary_table(institution, peers)

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Sample Data (No API Required)

from cdfibenchmark import build_sample_peer_group
from cdfibenchmark.data.schema import InstitutionProfile

institution = InstitutionProfile(
    cert=57542,
    name="Broadway Federal Bank",
    city="Los Angeles",
    state="CA",
    report_date="20241231",
    total_assets=655_000,
    total_deposits=520_000,
    net_loans=380_000,
    net_income=1_950,
    interest_income=28_000,
    interest_expense=8_000,
    non_interest_income=3_500,
    non_interest_expense=22_000,
    total_equity=48_000,
    tier1_ratio=12.2,
)

peers = build_sample_peer_group(institution)
report = generate_report(institution, peers)
print(report)

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Metrics Computed

Metric	Description	Benchmark (Strong)
NIM	Net Interest Margin	>= 3.5%
Efficiency Ratio	Non-interest expense / Revenue	<= 60%
ROAA	Return on Average Assets	>= 1.0%
ROAE	Return on Average Equity	>= 10%
Tier 1 Capital Ratio	Regulatory capital ratio	>= 12%
Loans-to-Deposits	Loan utilization	<= 80%
NPL Ratio	Non-performing loans / Gross loans	<= 1.0%
Reserve Coverage	Loan loss reserve / NPLs	>= 100%

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Asset Size Buckets

• micro — Under $50MM
• small — $50MM to $250MM
• medium — $250MM to $1B
• large — $1B to $5B
• mega — Over $5B

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Data Source

FDIC BankFind Suite API — free public API, no authentication required. Data covers all FDIC-insured institutions with quarterly call report data since 1934.

https://banks.data.fdic.gov/api

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Running Tests

PYTHONPATH=. pytest tests/ -v

27 tests across all modules.

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Who This Is For

• CDFI banks and credit unions benchmarking against peers
• MDI management teams preparing board reports
• CDFI Fund analysts reviewing institution performance
• Impact investors evaluating CDFI bank investments
• Researchers studying community banking performance trends

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License

MIT 2026 Jaypatel1511