A data marketplace for
credit unions

A data marketplace sourced, built and delivered just for credit unions.

Why a data marketplace for credit unions?

More and more data is needed to help you better analyze your performance and opportunities.

Finding it, normalizing it and getting historical data can be daunting. This is why AKUVO is bringing together the largest repository of public and proprietary location-based data in one place — compiled to assist credit unions.

“Data science is the easy part. Getting the right data, and getting the data ready for analyses, is much more difficult.” – McKinsey & Company

Our data market CAN help address your specific business challenges

If you have your own data science and business analyst teams to help you create or enhance decision-making capabilities and tools, we can provide you with market data to support:

  • Credit Scoring Models
  • Portfolio Risk Management
  • Strategic Planning
  • Marketing Efforts

The IRS AND U.S. Census Bureau have agreed that U.S. Census income data may be overstated by as much as 35%

Fix this issue by sourcing our consumer IRS data

IRS Tax Return Information for:

  • 200+ million individual consumers
  • 150+ million consumer households
 

All IRS data is anonymized and aggregated based on Zip+4 codes. A minimum of 10 households will be included in each aggregated value. The average Zip+4 in the U.S. contains 4 households.

Here’s a sample of the market data we can provide

Income & Spending

  • IRS Consumer Tax Return Data: Wage income, retirement income, wealth income, non-wage income, AGI, disposable income
  • IRS Business Tax Return Data: Net sales, net income, EBITDA
  • Census Data: Income by household, family, per capita
  • Spending & Affordability: Consumer spending, medical spending, location affordability, housing cost burdens

HOUSING

  • Home sales & sale price
  • Homes by value
  • Rental units and median rent
  • Change in housing prices
  • Types of residential buildings
  • Residential building age
  • New residential building permits
  • Vacancy – residential
  • Owners & renters

Economy

  • Jobs by industry
  • Small business start-ups
  • Large and established businesses
  • Unemployment
  • Labor force
  • Workforce by industry
  • Workforce by earnings and education
  • Workforce by demographics

Lending

  • Mortgage originations
  • Mortgage “piggyback” loans
  • Mortgage refinances
  • Prime mortgages
  • Government-insured loans
  • Mortgages by borrower income
  • Mortgages by tract income
  • Mortgage loan denials
  • CRA eligible tracts
  • CRA eligible (tract MFI%)
  • CDFI investments
  • Unbanked households
  • Underbanked households

Demographics

  • Population data based on: age, sex, race, veterans, people with disabilities, foreign-born, households, household size, household type, family type

Quality of Life

  • Computer access
  • Internet access
  • Broadband internet availability

Health

  • Health insurance coverage
  • Medical spending estimates

Education

  • Population: Educational attainment
  • Total cost of college
  • Student loan debt

Check out our "gold-standard" data sources

  • Bureau of Labor Statistics (BLS)
  • CDFI Fund
  • Consumer Financial Protection Bureau (CFPB)
  • Community Survey (ACS)
  • Census Longitudinal Employer Household Dynamics (LEHD)
  • Centers for Disease Control and Prevention (CDC)
  • Community Reinvestment Act (CRA)
  • Department of Housing and Urban Development (HUD)
  • Environmental Protection Agency (EPA)
  • FBI Uniform Crime Reports
  •  Federal Communications Commission (FCC)
  • Federal Deposit Insurance Corporation (FDIC)
  • Federal Emergency Management Agency (FEMA)
  • Federal Financial Institutions Examination Council (FFIEC)
  • Federal Housing Finance Agency (FHFA)
  • Health Resources and Services Administration (HRSA)
  • Home Mortgage Disclosure Act (HMDA)
  • HUD Low-Income Housing Tax Credit (LIHTC)
  • Internal Revenue Service (IRS)
  • National Center for Educational Statistics (NCES)
  • National Credit Union Administration (NCUA)
  • New Markets Tax Credit Program (NMTC)
  • Reinvestment Fund
  • Small Business Administration (SBA)
  • The Institute for College Access and Success (TICAS)
  • U.S. Census Bureau
  • U.S. Department of Agriculture (USDA)
  • U.S. Department of Treasury
  • USDA Rural Housing Service (RHS)