Collection window: 2026-08-10 through 2026-08-15. First collection. Rate-page observations exist for candidate institutions across Bay Area and Treasure Valley markets. These observations carry individual confidence markers and collection timestamps but cannot produce peer-set medians, coverage ratios, week-over-week deltas, or normalized MMA yields. Four items are unresolved.
No approved peer cohort exists. Without a named institution list, a valid-from date, and a decision owner, there is no denominator for summary statistics. No prior-week baseline exists. Without archived observations from 2026-08-03 through 2026-08-09, movement claims and repricing dates cannot be computed. TechCU's own rate page returned an unresolved location state [Verify — LOCATION_STATE_UNRESOLVED]. MMA balance-tier and relationship-qualification assumptions have not been set.
Two source-dated offers fell within the window: Patelco 7-month promotional certificate at 4.25% APY (effective 2026-08-07); Stanford FCU 8-month special at 4.10% APY (applications through 2026-09-14).
Peer cohort — named institutions, product scope, geography subcohorts, valid-from date, decision owner. Until approved: no median, range, gap, or coverage ratio can be computed.
Prior-week baseline — no archived observations from 2026-08-03 through 2026-08-09. Resolves next issue if current captures are preserved.
TechCU rate page — rendered with LOCATION_STATE_UNRESOLVED. Re-collect with confirmed California ZIP to bring TechCU certificate and MMA rows to assertion grade.
MMA scenario profiles — no approved balance tier (e.g., $50,000) or checking/direct-deposit assumption. All cross-institution MMA yield comparisons blocked until set.
Unresolved secondary flags:
- Provident: source-effective date missing
- CapEd: certificate page blank at collection
- Provident, ICCU, TechCU Treasure Valley: promotion end dates unconfirmed