Operate · the United States

Underwriting: Credit Unions

What public records can and cannot establish about running this business in the United States, dimension by dimension, with the gaps named.

— not scored

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NOT SCORED. 65 of 100 rubric points are evidenced deterministically from public records; 10 have no producer. The ±3.1 interval measured elsewhere on this site is ARBITER's sampling variance and does not apply to a SQL query, which returns the same answer every time it runs.

IndustryNAICS 522130

Scopethe United States

RubricO1.0-20260804

Pricedfree — no account, no gate

20th percentile of 287 industries

Where this industry stands

Net formation, 5yr	Percentile	Reads as	Signal strength
-1.45%	20th of 287	dying faster than it is forming	ρ 0.57 across 4 backtested windows, 42.6pp decile separation

4,561 firms · Census SUSB 2022

What firms here actually earn

Revenue band ($000)	Firms	Share	Cumulative	Labour share of revenue
<100	238	5.2%	5.2%	44.7%
100-499	836	18.3%	23.5%	37.6%
500-999	591	13.0%	36.5%	33.2%
1,000-2,499	708	15.5%	52.0%	30.2%
2,500-4,999	551	12.1%	64.1%	29.6%
5,000-7,499	288	6.3%	70.4%	28.9%
7,500-9,999	193	4.2%	74.7%	30.5%
10,000-14,999	238	5.2%	79.9%	28.3%
15,000-19,999	140	3.1%	82.9%	28.8%
20,000-24,999	105	2.3%	85.2%	28.4%
25,000-29,999	69	1.5%	86.8%	28.4%
30,000-34,999	68	1.5%	88.2%	29.1%
35,000-39,999	51	1.1%	89.4%	29.1%
40,000-49,999	87	1.9%	91.3%	27.7%
50,000-74,999	119	2.6%	93.9%	28.0%
75,000-99,999	76	1.7%	95.5%	26.3%
100,000+	203	4.5%	100.0%	22.0%

Take this away

Format	What it is
download the document →	One self-contained file — no stylesheet, no fonts, no scripts. Works offline, prints, and carries a content hash anyone can verify at /verify without an account.
JSON →	The same figures as data, with every source and gap attached.

65 of 100 rubric points evidenced

What this report can and cannot underwrite

Dimension	Weight	Evidence	Predicts?	Source
O1 · Demand density and recurrence	25	evidenced	predictive · ρ +0.57	US Census County Business Patterns
O2 · Payment evidence	15	partial	not backtested	USASpending.gov — US federal government work, public domain
O3 · Licence gate favourability	15	evidenced	not backtested	CareerOneStop / ARC, U.S. Department of Labor
O4 · Labour availability	15	evidenced	not backtested	BLS Occupational Employment and Wage Statistics, May 2024
O5 · Incumbent weakness	10	no producer	not backtested	none
O6 · Margin structure	10	partial	not backtested	US Census Statistics of U.S. Businesses 2022
O7 · Ceiling	10	evidenced	DESCRIPTIVE ONLY · ρ +0.05	US Census Business Dynamics Statistics — public domain

Every licensed occupation in this industry

Occupation	Share here	Concentration	Jurisdictions
Loan Officers	9.32%	45.8×	27 of 56
Securities, Commodities, and Financial Services Sales Agents	10.75%	41.9×	23 of 56
Financial Managers	5.31%	10.0×	13 of 56
Tellers	12.97%	59.2×	10 of 56
Loan Interviewers and Clerks	5.48%	43.4×	7 of 56
General and Operations Managers	3.15%	1.3×	23 of 56

What this report cannot tell you

Gap
licence titles in this scope — none matched 'Tellers', though it is licensed in 27 jurisdictions nationally. The title differs locally, or the record is held municipally.
occupation mix for NAICS 522130 — the labour statistics carry no rows at this level, so everything about occupations here, including the defining occupation and its licence gate, is measured at NAICS 522000, a broader grouping. Establishment counts are for 522130 itself.
licence coverage — the register holds 54 of 56 US licensing jurisdictions, and 2,504 of its records carry no jurisdiction at all. A count of 27 is out of 54 searched, not out of 56. The unsearched jurisdictions are not evidence of no licence.
bonding_required_usd — no producer, and not estimated