Loan Product Performance Analysis

A credit union can evaluate the current and past distribution of loan products to determine if the distribution…. aligns with their loan goals and strategy. By securing a detailed view by loan product and by branch, a credit union can quickly identify and address challenges in opening highly profitable products at the branch level.

Loan Operator Performance Analysis

The credit union management can analyze the performance of their loan officers in reviewing and approving new loans…. to identify areas of possible improvement.

Deposit Distribution by Account type​

A credit union can identify trends in the number of accounts opened per branch. Credit union users can…. use this data to address branches that are not meeting the new membership target. They can also analyze the branch ratio of loans vs. deposits to identify areas of opportunity for improvement.

Deposit Trends by Membership Group

A credit union can identify members that have declining deposit trends. This will enable the credit union to…. identify members that are experiencing situations of financial hardship. By utilizing the member data extracted from the platform, the credit union can take actions to help those members, but also can monitor the credit union’s performance against its liquidity targets.

Executive Reporting

A credit union executive can monitor the current performance and trends over time of key metrics, such as…. the total loan portfolio, total deposits, and member base, to identify potential areas of risk or improvement to achieve the yearly credit union goals.

Identifying Charge-off Trends by Credit Rating

A credit union can identify trends in charge-offs and loan losses by credit tier over time. This allows…. the loan manager to analyze current and past trends in charge-offs by credit tier, which can be used to enhance loan approval strategies and minimize future loan charge-offs.

Identifying Loss %

A credit union can identify distribution of cumulative loss over time. By assessing or filetering by type of….. product, the loan portfolio manager can identify the products which perform better than others and strategize actions to improve the overall Loan Portfolio.

Identifying High Risk Loans by Product

A credit union can identify intrinsic loan risk by looking at the type of loan product and the…. associated credit risk trends. This allows the loan portfolio manager to understand which products perform better than others and implement actions to improve the overall loan portfolio risk position by modifying the product placement strategies to increase or decrease the portfolio risk levels.

Identifying High Risk Loans

A credit union can identify which branches have loans at a higher risk of default. This allows the….. loan portfolio manager and the branch manager to take mitigating actions, coaching employees to modify the loan strategies to reduce the loan portfolio risk.