The Data ModelA Three-Tier Data Architecture
The foundation is raw financial data extracted and standardized directly from ACFRs, covering income statements, balance sheets, and long-term obligations across 14,800+ municipalities. This layer serves those who require direct access to the underlying figures.
The intermediate layer applies a structured analytical framework, including operating ratios, fund balance metrics, debt burden indicators, and peer benchmarks. This layer is designed for those who require comparative context across issuers and fiscal periods.
At the apex sits MuniScore, a single 1 to 99 composite rating that synthesizes the full data stack into one comparable metric. This layer is designed for those who require a reliable, institution-grade signal without conducting a full review of the underlying financials.