Does our loan rate pricing make sense?

CU-Analytics Loan Pricing helps credit unions turn loan pricing from a one-size-fits-all decision into a data-driven strategy for growing loans, attracting members, managing risk, and improving profitability.

What can we do to become more profitable?

CU-Analytics Profitability gives credit union leaders the data-driven insight to protect margins, optimize pricing, allocate resources effectively, and make better decisions that strengthen the bottom line.

What are the best ways for us to grow?

CU-Analytics Growth Strategies turns data into actionable insights that help credit unions make better decisions about where to compete, which opportunities to pursue, and how to achieve sustainable, profitable growth.

How are we doing compared to our peers?

CU-Analytics Peer Comparison helps credit union leaders understand where they stand, identify opportunities to improve, and make informed decisions that strengthen their competitive position and financial performance.

Should we consider an acquisition?

CU-Analytics provides the insights needed to evaluate an acquisition more strategically—helping leadership determine whether acquiring another credit union can strengthen the organization, expand its member base, and create sustainable long-term value.

Should we consider a merger?

CU-Analytics helps leadership make a more informed merger decision by providing data-driven insight into the financial performance, pricing, profitability, member relationships, and growth potential of the combined credit union.

RATE ANALYSIS

• • Competitive rate benchmarking
  See how your loan rates compare to peer credit unions of similar size, region, and field of membership — updated every quarter.
• • Risk-based pricing models
  Price loans based on member risk profile and collateral, rather than a single flat rate for every borrower.
• • Margin impact modeling
  See exactly how a rate change moves net interest margin before you make it.

MEMBER INSIGHTS

• • Segment-level rate elasticity
  Understand how sensitive different member segments are to rate changes, so pricing supports growth instead of slowing it.
• • Loan demand forecasting
  Project loan volume at different price points to plan funding and staffing ahead of demand.
• • Member retention signals
  Flag when pricing is putting existing member relationships — and their balances — at risk of leaving.

DECISION SUPPORT

• • Pricing scenario simulator
  Model multiple rate scenarios side by side and see the projected effect on volume, margin, and growth.
• • Board-ready pricing reports
  Turn the analysis into a clear, presentable summary the board can review and approve.
• • Quarterly rate recommendations
  Get a data-backed recommended rate range each quarter as peer and market conditions shift.

PORTFOLIO MIX

• • Loan category breakdown
  See how your portfolio is distributed across auto, mortgage, consumer, and commercial lending compared to peers.
• • Concentration risk flags
  Get flagged automatically when any loan category grows large enough to create outsized risk.
• • Trend tracking
  Watch how portfolio mix has shifted quarter over quarter, not just where it stands today.

GROWTH OPPORTUNITY

• • Underserved category detection
  Identify loan categories where you lag peers and have room to grow profitably.
• • Member demand signals
  Surface where existing members are likely to need credit next, based on portfolio and peer patterns.
• • Market share tracking
  Track your lending market share by category against your peer group over time.

RISK MANAGEMENT

• • Delinquency & charge-off trends
  Track credit quality trends by loan category before they show up in the numbers you report to the board.
• • Stress scenario modeling
  See how your portfolio would perform under different economic and rate scenarios.
• • Board-ready lending reports
  Turn the analysis into a clear summary for board and ALCO review.

REPORT BUILDER

• • Automated report generation
  Generate a polished, narrated board financial report in minutes — branded, dated, and ready to present.
• • Custom branding & formatting
  Reports carry your credit union's branding, so they look like they came from your own team.
• • Narrated summaries
  Every report includes plain-language narration explaining what the numbers mean, not just the numbers themselves.

GOVERNANCE CONTENT

• • Executive KPI summary
  Give directors the top-line metrics that matter most, without burying them in raw data.
• • Peer benchmarking snapshot
  Show the board exactly where the credit union stands against its peer group each quarter.
• • Risk & regulatory highlights
  Surface the risk and regulatory items directors need to be aware of before the meeting starts.

DELIVERY & SETTINGS

• • Scheduled distribution
  Reports can be generated and delivered on a recurring schedule ahead of each board meeting.
• • Director-level customization
  helps CEOs tailor board reporting to the needs of their directors — ensuring the right information is presented clearly and consistently.
• • Presentation-ready exports
  Export reports in formats ready to project or print for the boardroom.

MARKET STRATEGY

• • Competitive positioning
  Move from "Where are we today?" to "Where should we go, and how do we get there?" with a data-driven foundation for strategic decisions.
• • Growth opportunity mapping
  See where your credit union has the strongest room to compete and grow, based on your market and peer group.
• • Market share tracking
  Track how your market share shifts over time against the credit unions you actually compete with.

OPPORTUNITY IDENTIFICATION

• • Underserved segment detection
  Move beyond identifying problems to discovering where the credit union can act, grow, and improve.
• • Expansion scenario modeling
  Model the financial impact of new markets, products, or member segments before committing resources.
• • M&A readiness view
  See at a glance whether organic growth, acquisition, or merger is the strongest path forward.

EXECUTION TRACKING

• • Goal & milestone tracking
  Turn strategic goals into a practical connection between analysis, accountability, execution, and measurable results.
• • Board-ready growth reports
  Present growth strategy and progress to the board in a clear, data-backed format.
• • Quarterly progress reviews
  Revisit strategy each quarter as new data comes in, so plans stay grounded in current performance.

BENCHMARKING

• • Custom peer groups
  Build peer groups by asset size, charter, region, or field of membership — not a one-size-fits-all list.
• • Ratio-by-ratio comparison
  Benchmark every ratio against credit unions you actually compete with.
• • Percentile rankings
  See exactly where you rank within your peer group on every metric that matters.

TREND ANALYSIS

• • Historical trend tracking
  Every ratio is tracked historically so you can see direction, not just a snapshot.
• • Leading vs. lagging indicators
  See where you're leading the pack and where you're falling behind, updated every quarter.
• • Best-performer insights
  Learn what the strongest performers in your peer group are doing differently.

COMPETITIVE POSITION

• • Market position summary
  Get a clear, single view of where your credit union stands competitively today.
• • Quarterly peer updates
  Peer data refreshes every quarter as new NCUA call reports become available.
• • Board-ready peer reports
  Turn peer benchmarking into a clear summary the board can review at a glance.

RISK IDENTIFICATION

• • Early warning indicators
  Surface emerging risk signals in the data before they show up as a problem on the balance sheet.
• • Concentration risk detection
  Flag when any single loan category, funding source, or member segment grows large enough to create outsized risk.
• • Regulatory exposure flags
  Identify areas that could draw extra attention in your next exam before the examiners do.

CAPITAL & STRENGTH

• • Capital adequacy tracking
  Monitor capital ratios against peers and regulatory thresholds every quarter.
• • Stress scenario modeling
  See how capital and earnings would hold up under adverse economic or rate scenarios.
• • Balance sheet risk view
  Understand how strategic decisions may affect risk, capital, and long-term financial strength.

MANAGEMENT FOCUS

• • Prioritized action list
  Know exactly where management attention should go first, ranked by potential impact.
• • Board-ready risk reports
  Turn the risk picture into a clear summary the board and ALCO can review and act on.
• • Quarterly risk reviews
  Revisit the risk profile each quarter as new call-report data and market conditions come in.

ACQUISITION

• • New member acquisition trends
  Track how quickly you're attracting new members compared to your peer group, quarter over quarter.
• • Channel performance tracking
  See which channels and products are driving new membership growth.
• • Membership growth benchmarking
  Compare your membership growth rate to credit unions of similar size, region, and field of membership.

RETENTION

• • Attrition risk signals
  Flag members and segments showing early signs of leaving before they close their accounts.
• • Relationship depth tracking
  See how many products and services each member relationship holds, and where deeper relationships can be built.
• • Cross-sell opportunity detection
  Identify members and segments likely to benefit from additional products, based on peer patterns.

MEMBER VALUE

• • Lifetime value analysis
  Understand the long-term value each member segment brings, not just their current balance.
• • Segment profitability view
  See which member segments are most profitable today, and which have the most room to grow.
• • Board-ready membership reports
  Turn membership trends into a clear summary the board can review and act on.

MARGIN PROTECTION

• • Net interest margin tracking
  Watch margin trends quarter over quarter and catch erosion before it shows up on the bottom line.
• • Pricing impact analysis
  See exactly how loan and deposit pricing decisions move overall profitability.
• • Peer margin benchmarking
  Compare your margin performance to credit unions of similar size, region, and field of membership.

COST & EFFICIENCY

• • Expense ratio benchmarking
  See how your operating expenses compare to peers, ratio by ratio.
• • Resource allocation view
  Understand where resources are driving the strongest returns, and where they aren't.
• • Efficiency ratio tracking
  Track efficiency ratio trends over time to see whether operations are getting leaner or heavier.

PROFIT STRATEGY

• • Scenario modeling
  Model the profitability impact of pricing, growth, or cost decisions before you make them.
• • Board-ready profitability reports
  Turn margin and efficiency analysis into a clear summary the board can review and act on.
• • Quarterly performance reviews
  Revisit profitability drivers each quarter as new call-report data comes in.

TARGET EVALUATION

• • Financial health snapshot
  Evaluate a potential target's financial performance with the same rigor you apply to your own credit union.
• • Rate & product comparison
  Compare loan and deposit pricing between institutions before you sit down at the table.
• • Cultural & operational fit view
  Understand how the target's membership base and operations would fit alongside your own.

VALUE ANALYSIS

• • Combined balance sheet modeling
  Model the combined balance sheet, capital ratios, and earnings impact of an acquisition before the board has to sign off on it.
• • Capital impact projection
  See how an acquisition would affect capital ratios and regulatory standing.
• • Long-term value estimate
  Would acquiring this credit union strengthen your organization, expand market opportunities, and create greater long-term value for members?

DECISION SUPPORT

• • Deal scenario comparison
  Compare multiple potential targets side by side to see which offers the strongest strategic fit.
• • Board-ready acquisition memo
  Turn the analysis into a clear summary the board can review before a decision is made.
• • Risk & regulatory checklist
  Flag the risk and regulatory considerations that matter most for this type of transaction.

COMBINED PROFILE

• • Combined balance sheet view
  See what the combined balance sheet, capital ratios, and earnings would look like before the board has to sign off.
• • Merged capital & earnings projection
  Project how capital and earnings would perform together over time.
• • Member overlap analysis
  Understand where member bases overlap and where the combined institution gains reach.

VALUE & RISK

• • Merger value estimate
  See what value the combined organization could create for members and the institution.
• • Risk & challenge checklist
  Surface the risks and challenges to weigh before moving forward with a merger.
• • Culture & operations fit
  Assess how well the two institutions' operations and member base would fit together.

DECISION SUPPORT

• • Merger scenario builder
  Model multiple merger scenarios side by side to see which structure creates the most value.
• • Board-ready merger memo
  Turn the analysis into a clear summary the board can review before a decision is made.
• • Regulatory readiness view
  See the regulatory considerations that matter most for this type of transaction.

EARLY WARNING

• • Regulatory risk indicators
  Surface the financial factors most likely to draw regulatory attention before they become a problem.
• • Exam readiness view
  Know where you stand heading into your next exam, not just after it's over.
• • Financial factor monitoring
  Track the specific metrics examiners focus on, updated every quarter.

COMPLIANCE POSTURE

• • Capital & regulatory ratio tracking
  Monitor the capital and regulatory ratios examiners care about most, quarter over quarter.
• • Peer regulatory comparison
  See how your regulatory standing compares to peer credit unions of similar size and charter.
• • Concern flagging
  Get flagged early on any factors that could raise questions during an examination.

EXAM PREPARATION

• • Discussion-ready summaries
  Walk into regulatory discussions with a clear, data-backed summary of where you stand.
• • Board-ready regulatory reports
  Turn the regulatory picture into a summary the board can review before an exam.
• • Quarterly regulatory reviews
  Revisit regulatory standing each quarter as new call-report data comes in.

WHERE WE STAND

• • Current position snapshot
  Get a clear, single view of where your credit union stands today across every key metric.
• • Peer benchmarking view
  See how your starting position compares to the credit unions you actually compete with.
• • Trend & trajectory tracking
  Understand not just where you are, but the direction you're heading.

WHERE WE'RE GOING

• • Opportunity pipeline
  See the opportunities worth pursuing, ranked by potential impact.
• • Risk-adjusted growth paths
  Weigh growth opportunities against the risks that come with them before committing.
• • Scenario comparison
  Compare multiple strategic paths side by side to see which offers the strongest outcome.

HOW WE GET THERE

• • Action plan builder
  Turn strategic priorities into a concrete, trackable action plan.
• • Board-ready strategic plan
  Present the full strategic picture — where you stand, where you're going, and how you'll get there — in a format the board can review.
• • Quarterly plan check-ins
  Revisit the plan each quarter to track progress and adjust as conditions change.