AI-powered municipal credit intelligence

Credit ratings thatsee what others miss

The AISOS Agent generates comprehensive credit assessments on any U.S. municipality or state, combining financial metrics with fraud risk signals, federal funding vulnerability, and governance quality scoring.

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What AISOS Delivers

Each assessment produces a 14-section report with quantitative scores, narrative analysis, and actionable intelligence.

Composite Credit Score
0-100 score with letter grade, outlook, and watch status. Five weighted component scores across fiscal, economic, debt, governance, and disclosure dimensions.
Peer Comparison
Benchmarks against comparable jurisdictions by population, region, and economic profile. Identifies relative strengths and weaknesses.
Federal Risk Profile
Federal funding dependency analysis, vulnerable program identification, and policy conflict risk assessment across administration changes.
Behavioral Analysis
Detects governance red flags, behavioral penalties, and transparency issues that traditional rating agencies miss entirely.
Monitoring Triggers
Generates specific triggers for immediate review and enhanced monitoring, with defined thresholds and recommended actions.
Scenario Analysis
Game-theoretic equilibrium modeling and forward-looking scenario projections across economic, political, and fiscal dimensions.
PDF Export
Generate investor-grade PDF reports with all 14 sections, complete with executive summaries, data tables, and legal disclaimers.

Assessment Methodology

A six-phase pipeline that collects real data, scores it quantitatively, and generates narrative intelligence

1
Data Collection

Census API, Federal Audit Clearinghouse, FEMA, and public financial reports

2
Financial Analysis

Revenue stability, expenditure management, debt burden, and liquidity metrics

3
Risk Assessment

Federal funding dependency, governance quality, fraud indicators, and disclosure gaps

4
Integrated Scoring

Weighted composite score with behavioral penalties and adjustment factors

5
Narrative Generation

14 parallel LLM calls produce section-specific analysis and recommendations

6
Monitoring Setup

Defines triggers, thresholds, and continuous monitoring parameters

Scoring Components

Five weighted dimensions plus behavioral penalty adjustments

Fiscal Foundation
30% weight
  • Revenue stability and diversification
  • Expenditure management and efficiency
  • Liquidity and reserve adequacy
Economic Resilience
25% weight
  • Economic diversity and employment base
  • Income and wealth indicators
  • Growth trajectory and demographic trends
Governance & Management
20% weight
  • Management quality and institutional capacity
  • Financial policies and planning
  • Transparency and audit compliance
Debt & Liability
15% weight
  • Debt burden per capita and as % of revenue
  • Pension and OPEB funding ratios
  • Debt service coverage and amortization

Run your first assessment

Enter any U.S. city, county, or state and get a comprehensive credit intelligence report in approximately 10 minutes.

Launch AISOS Agent