Not a credit rating. The Bank Credit Conditions Panel does not
replace S&P, Moody’s, Fitch, Kroll, or any supervisory or agency rating. It does
not provide investment, legal, or accounting advice.
Sources & attribution
Derived series are built from public FFIEC CDR call-report distributions and FDIC
institution metadata. idlidu is not an official FDIC or FFIEC product.
Limitations
Filing and public-distribution lags
Form-map / schedule revision risk (handled via methodology_version + vintages)
Capped early universe; synthetic staging may be used before live TDF backfill
Proxies where reporter forms lack clean fields
Acceptable use
Self-serve API/MCP access for automated systems. No resale of raw regulatory dumps
as an official feed. No representing idlidu outputs as government ratings.