Where You've Been Where You're Going
See where your credit union stands, how you compare with peers, and which decisions deserve attention next.
Financial intelligence built for credit union leaders
CU Analytics turns your quarterly call-report data into clear answers about where your credit union has been and where it’s headed. Instead of spreadsheets and static reports, leadership gets one place to see financial performance, benchmark against a true peer group, and understand what the numbers mean for strategy.
AI-driven analysis covers the questions that matter most — balance sheet strength, lending, deposits and liquidity, risk and capital, membership, loan pricing, and regulatory standing — and turns them into board-ready insight your management team can act on each quarter.
CU Analytics uses the power of AI to answer your questions
Growth Strategies, Risk Analysis, Opportunities, Predictions, Regulatory Review, Peer Comparison.
See your credit union's numbers come alive
Book a walkthrough and we'll show you your own metrics benchmarked against your peer group.
Schedule a demoOne platform for the metrics and reports you must have.
From the daily ratio check to the quarterly board packet, CU Analytics is more than general credit union information. It uses the data to focus AI on your credit union.
Schedule a demo →Here are the answers
Are there performance indicators showing that the credit union is meeting its goals?
What does our balance sheet reveal about our financial strength and overall stability?
One platform for the metrics and reports you must have.
From the daily ratio check to the quarterly board packet, CU Analytics is more than general credit union information. It uses the data to focus AI on your credit union.
Schedule a demo →The Details That Matter
ESSENTIALS
- • Key Performance IndicatorsThe platform helps turn KPI analysis into actionable insights—supporting better decisions about growth, pricing, profitability, member acquisition, and overall strategic direction.
- • Balance Sheet AnalysisHelps CEOs and management make better decisions about growth, liquidity, funding, capital, lending, and investment strategies—while understanding how those decisions can affect overall profitability and financial strength.
- • Lending InsightsWhere should we focus our lending efforts to achieve profitable, sustainable growth.
ESSENTIALS
- • Deposits & LiquidityHelp CEOs and management answer critical questions about funding, liquidity, and growth—while balancing the need to attract deposits, support lending, maintain financial flexibility, and protect profitability.
- • Risk & CapitalHelp CEOs and management balance growth and financial strength—providing a clearer understanding of how strategic decisions may affect risk, capital, and the credit union's long-term ability to achieve its goals.
- • MembershipHow can we attract more members, retain the members we have, and build deeper relationships that drive sustainable growth and profitability.
ESSENTIALS
- • CU DirectoryCEOs and management can quickly find and understand other credit unions—providing valuable information for benchmarking, competitive research, market expansion, and evaluating potential strategic opportunities.
- • How Others See UsHow does our credit union look when viewed from the outside—and what can we do to improve our competitive position?
- • Regulatory AssesmentA proactive view of the financial factors that can influence regulatory standing—helping them identify potential concerns, strengthen financial performance, and prepare for regulatory discussions and examinations.
ANALYTICS
- • StrategiesMove from "Where are we today?" to "Where should we go, and how do we get there?"—providing a data-driven foundation for making strategic decisions that improve growth, profitability, and long-term value.
- • Risk AssesmentWhat risks could prevent our credit union from achieving its goals, and where should we focus management attention now?
- • OpportunitiesMove beyond identifying problems to discovering where the credit union can act, grow, and improve—turning data and analysis into a clear roadmap for sustainable growth and increased profitability.
ANALYTICS
- • PredictionsAnswer a critical question: Based on what we know today, what is likely to happen next—and what can we do now to influence the outcome.
- • Loan PricingAre we pricing our loans appropriately to attract borrowers, manage risk, and generate the level of profitability we need.
- • Market ExplorerWhere are our best opportunities for growth, and which markets offer the greatest potential for our credit union.
ANALYTICS
- • Action ManagementMove from "We know what the data says" to "We know what we're going to do about it." It creates a practical connection between analysis, accountability, execution, and measurable results.
- • Fintech Threat IndexHow vulnerable is our credit union to fintech competition, and what should we do now to protect and strengthen our competitive position.
- • Board ReportGive directors the information they need to fulfill their governance responsibilities, ask better questions, and make informed decisions about the credit union's strategic direction and long-term success.
OPTIONS
- • Strategic PlanningAnswers the most important strategic questions: Where are we today? Where do we want to go? What opportunities should we pursue? What risks must we manage? And what actions will get us there.?
- • Peer comparisonHow are we performing compared with credit unions like us, where are we leading or falling behind, and what can we learn from the best performers?
OPTIONS
- • AcquisitionWould acquiring this credit union strengthen our organization, expand our market opportunities, and create greater long-term value for our members?
- • Merge BuilderIf we merge with this credit union, what could the combined organization look like, what value could the merger create, and what risks or challenges should we consider?
ADMINISTRATION
- • ParametersParameters helps ensure that the analysis is built around the right assumptions and criteria—giving CEOs and management greater flexibility to explore scenarios, test strategies, and make decisions based on the factors that matter most to their credit union.
- • Board Report Settingshelps CEOs tailor Board reporting to the needs of their directors—ensuring that the right information is presented clearly, consistently, and in a format that supports informed governance and strategic decision-making.
Pricing that scales with your asset size
Flexible pricing tailored to your credit union’s size, built to grow with you.
System Modules
ESSENTIALS
- KPI Indicators
- Balance Sheet Analysis
- Lending Insights
- Deposits & Liquidity
- Risk & Capital
- Membership Analysis
ANALYTICS
- Everything in ESSENTIALS
- Strategic Options
- Forecasting Tool
- Action Management
- Risk Assesment
- Regulatory Assesment
- AI Predictions
- Fintech Threat Index
- Market Explorer
- Peer Comparison
- Board Report
PREMIUM
- Everything in ANALYTICS
- Mergers & Acquisitions
- Board Management
- Loan Pricing
Asset Based Pricing
Pricing at a glance
| Module | Assets < $100M | Assets $100M - $500M | Assets $500M - $1B | Assets > $1B |
|---|---|---|---|---|
| ESSENTIALS | $0 | $0 | $0 | $0 |
| ANALYTICS | $50 | $75 | $100 | $125 |
| PREMIUM | $75 | $100 | $125 | $150 |
Answers to the questions you and your management team are asking
We created CU Analytics to provide credit union with answers to their questions that are data driven and enhanced with the power of AI.
Here's How CU Analytics Can Answer Your Questions
The result is a clearer picture of where your credit union stands, where it's heading, and where it has room to grow.
What does our balance sheet reveal about our credit union’s financial strength and overall stability? How is our loan portfolio performing, and where are concentrations and emerging credit risks? Where is funding coming from, what does it cost, and can the balance sheet meet outflows under stress? How strong is our credit union’s capital cushion, and what is strengthening or eroding it? Is the field of membership growing, aging, or deepening — and what does that mean for our future? Are our loan rates profitable and competitive? How does our performance compare with our peers? Are we exposed to regulatory risks we haven’t identified? Are we headed in the right direction? Are we missing a valuable acquisition opportunity? Could avoiding a merger put our future at risk?
Built by people with decades of credit union experience
We started CU Analytics because credit union finance teams deserve better than regurgitating the same tired reports.
What CU Analytics Does for your Credit Union
Credit unions sit on a goldmine of comparable performance data — the NCUA publishes call reports for thousands of institutions every quarter. But turning that data into something a CFO can act on, and a board can understand, has always meant hours of manual work.
CU Analytics changes that. We take the raw quarterly data and turn it into a living executive analysis, instant peer benchmarking, and board-ready financial reports — so leadership spends less time assembling numbers and more time deciding what to do about them.
We would like to recognize several people who have helped us develop this application.
The result is a clearer picture of where your credit union stands, where it's heading, and where it has room to grow.
Common questions
Where does the data come from?
CU Analytics is built on publicly available NCUA call-report data, refreshed each quarter as new filings are published. There's nothing for your team to upload or maintain.
How long does setup take?
Most credit unions are up and running the same day. We load your institution and a starting peer group so your dashboard is populated from the first sign-in.
Can we build our own peer groups?
Yes — you can define peer groups by asset band, charter type, region, or field of membership, and save as many as you need.
Is there a contract?
Plans are billed annually. Enterprise terms are tailored to your institution. Request a demo and we'll walk through the details.
Schedule a Demonstration
We look forward to showing you how Cu Analytics can benefit your credit union
See it on your own numbers
Tell us a little about your credit union and we'll set up a personalized walkthrough — with your institution and peer group already loaded.
Quick to start
Most demos are scheduled within a couple of business days.
Contact Us
Let's Start the Conversation
1334 Timberlane Road
Tallahassee, FL 32312
📞 Office: 850-669-1222
📱 Mobil: 580-508-3126
✉ Email: gerald.mortimer@cu-analytics.net
Office Hours
Monday - Friday: 8:00 AM to 6:00 PM EDT
Saturday: 8:00 AM to 1:00 PM EDT
Sunday: Closed
Are our loan rates profitable and competitive?
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.
Build Loan Rate
- • Risk-based pricing modelsPrice loans based on member risk profile and collateral, rather than a single flat rate for every borrower.
- • Margin impact modelingSee exactly how a rate change moves net interest margin before you make it.
- • Segment-level rate elasticityUnderstand how sensitive different member segments are to rate changes, so pricing supports growth instead of slowing it.
- • Loan demand forecastingProject loan volume at different price points to plan funding and staffing ahead of demand.
- • Member retention signalsFlag when pricing is putting existing member relationships — and their balances — at risk of leaving.
- • Pricing scenario simulatorModel multiple rate scenarios side by side and see the projected effect on volume, margin, and growth.
- • Board-ready pricing reportsTurn the analysis into a clear, presentable summary the board can review and approve.
How is our loan portfolio performing, and where are concentrations and emerging credit risks?
Where should we focus our lending efforts to achieve profitable, sustainable growth.
Lending Insights
- • Loan category breakdownSee how your portfolio is distributed across auto, mortgage, consumer, and commercial lending compared to peers.
- • Concentration risk flagsGet flagged automatically when any loan category grows large enough to create outsized risk.
- • Trend trackingWatch how portfolio mix has shifted quarter over quarter, not just where it stands today.
- • Underserved category detectionIdentify loan categories where you lag peers and have room to grow profitably.
- • Member demand signalsSurface where existing members are likely to need credit next, based on portfolio and peer patterns.
- • Delinquency & charge-off trendsTrack credit quality trends by loan category before they show up in the numbers you report to the board.
- • Board-ready lending reportsTurn the analysis into a clear summary for board and ALCO review.
Where is funding coming from, what does it cost, and can the balance sheet meet outflows under stress?
Give directors the information they need to fulfill their governance responsibilities, ask better questions, and make informed decisions about the credit union's strategic direction and long-term success.
Deposits & Liquidity
Deposit Mix — by Category
- • Deposit mix analysisSee how funding is spread across share drafts, regular shares, money market, certificates, and IRAs — and how that mix is shifting.
- • Cost of funds trackingMonitor what your deposits cost quarter over quarter and how your rates compare to peers.
- • Liquidity ratio monitoringTrack cash and liquid investments against assets to confirm you can meet member needs.
- • Funding concentration flagsGet flagged when reliance on a single deposit type, large depositors, or borrowings grows too high.
- • Liquidity stress testingModel deposit outflows under adverse scenarios to see whether the balance sheet can absorb them.
- • Borrowing and contingent funding viewUnderstand borrowing levels and available backup funding sources before you need them.
- • Deposit growth and retention trendsSee where deposits are growing, where they are running off, and which segments are driving the change.
- • Board- and ALCO-ready liquidity reportsTurn funding and liquidity analysis into a clear summary for board and ALCO review.
What does our balance sheet reveal about our credit union’s financial strength and overall stability?
Balance Sheet Growth
How is this calculated?
Total assets reported on the NCUA 5300 Call Report at quarter-end. YoY compares to the same quarter last year.
How is this calculated?
Total loans and leases outstanding at quarter-end. YoY compares to the same quarter last year.
How is this calculated?
Total member shares and deposits (regular shares, share drafts, money markets, certificates and IRAs) at quarter-end.
How is this calculated?
Total net worth (undivided earnings, regular reserves and other equity) reported on the Call Report.
How is this calculated?
Net worth divided by total assets ($18.2M ÷ $188.5M).
How is this calculated?
Loans 60 or more days delinquent divided by total loans. A decline is favorable.
How is this calculated?
Total loans divided by total shares and deposits ($138.9M ÷ $167.8M).
How is this calculated?
Number of current members reported at quarter-end.
How is this calculated?
Year-to-date net income, annualized, divided by average assets.
- • Balance sheet compositionSee how assets, loans, investments, deposits, and equity fit together and how that mix is changing over time.
- • Asset growth trendsTrack total assets, loans, and deposits quarter over quarter to understand the pace and sources of growth.
- • Loan-to-share and asset mixMonitor how much of your funding is deployed into loans versus cash and investments.
- • Investment portfolio viewUnderstand the size, mix, and share of assets held in investments and how they support liquidity.
- • Capital strength indicatorsFollow net worth and the net worth ratio to see how well the balance sheet is cushioned.
- • Earning asset efficiencyMeasure how much of the balance sheet is working to generate income versus sitting idle.
- • Board-ready balance sheet reportsTurn balance sheet trends into a clear summary for board and ALCO review.
How does our performance compare with 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.
Side-by-Side Comparison
| Metric | Our Credit Union | Peer Credit Union | Comparison |
|---|---|---|---|
| Total Assets | $174,944,000 | $175,850,000 | Peer |
| Loans Outstanding | $109,882,000 | $126,823,000 | Peer |
| Net Worth Ratio | 15.41% | 13.31% | Us |
| Loan-to-Share | 73.40% | 82.16% | Peer |
| Delinquency 60+ | 0.88% | 0.62% | Peer |
| Members | 10,586 | 12,360 | Peer |
| Total Deposits | $149,699,000 | $154,362,000 | Peer |
| Net Worth | $26,959,000 | $23,401,000 | Us |
| ACL / Loans | 1.05% | 0.52% | Us |
| Interest Income | $4,240,000 | $4,140,000 | Us |
| Non-Interest Income | $1,181,000 | $808,000 | Us |
| Net Income | $277,000 | $663,000 | Peer |
| Total Accounts | 23,106 | 21,854 | Us |
| Employees | 38 | 24 | Peer |
- • Custom peer groupsBuild peer groups by asset size, charter, region, or field of membership — not a one-size-fits-all list.
- • Ratio-by-ratio comparisonBenchmark every ratio against credit unions you actually compete with.
- • Percentile rankingsSee exactly where you rank within your peer group on every metric that matters.
- • Historical trend trackingEvery ratio is tracked historically so you can see direction, not just a snapshot.
- • Leading vs. lagging indicatorsSee where you're leading the pack and where you're falling behind, updated every quarter.
- • Best-performer insightsLearn what the strongest performers in your peer group are doing differently.
- • Market position summaryGet a clear, single view of where your credit union stands competitively today.
- • Quarterly peer updatesPeer data refreshes every quarter as new NCUA call reports become available.
- • Board-ready peer reportsTurn peer benchmarking into a clear summary the board can review at a glance.
How strong is our credit union’s capital cushion, and what is strengthening or eroding it?
What risks could prevent our credit union from achieving its goals, and where should we focus management attention now?
Risk & Capital
How is this calculated?
Total net worth (undivided earnings, regular reserves and other equity) reported on the NCUA 5300 Call Report. YoY compares to the same quarter last year.
How is this calculated?
Net Worth ÷ Total Assets ($26,959,000 ÷ $174,944,000).
How is this calculated?
Net Worth Ratio minus 7%, the NCUA well-capitalized threshold (15.41% − 7.00%).
- • Early warning indicatorsSurface emerging risk signals in the data before they show up as a problem on the balance sheet.
- • Concentration risk detectionFlag when any single loan category, funding source, or member segment grows large enough to create outsized risk.
- • Regulatory exposure flagsIdentify areas that could draw extra attention in your next exam before the examiners do.
- • Capital adequacy trackingMonitor capital ratios against peers and regulatory thresholds every quarter.
- • Stress scenario modelingSee how capital and earnings would hold up under adverse economic or rate scenarios.
- • Balance sheet risk viewUnderstand how strategic decisions may affect risk, capital, and long-term financial strength.
- • Prioritized action listKnow exactly where management attention should go first, ranked by potential impact.
- • Board-ready risk reportsTurn the risk picture into a clear summary the board and ALCO can review and act on.
Is the field of membership growing, aging, or deepening — and what does that mean for our future?
How can we attract more members, retain the members we have, and build deeper relationships that drive sustainable growth and profitability.
Membership Analysis
How is this calculated?
Total members reported on the NCUA 5300 Call Report for the quarter. YoY compares to the same quarter last year.
How is this calculated?
Total share and loan accounts reported on the 5300 Call Report. YoY compares to the same quarter last year.
How is this calculated?
Full-time employees plus part-time employees, as reported on the 5300 Call Report.
How is this calculated?
Members ÷ Employees (46,799 ÷ 122). Higher means each employee serves more members.
How is this calculated?
Total Accounts ÷ Members (93,089 ÷ 46,799). A measure of relationship depth.
How is this calculated?
Total Assets ÷ Members.
How is this calculated?
Total Loans ÷ Members.
- • Membership growth trendsTrack member counts quarter over quarter and see whether your field of membership is expanding, flat, or shrinking.
- • Field of membership aging viewUnderstand how the age profile of your membership is shifting and what it means for future loan and deposit demand.
- • Relationship depth analysisMeasure accounts and products per member to see whether relationships are deepening or thinning over time.
- • Member value metricsMonitor assets, loans, and deposits per member to understand the value each relationship brings.
- • Operating efficiency per memberCompare members per employee to peers to see how efficiently you serve your membership.
- • Attrition and retention signalsSpot early signs of members pulling back or leaving before balances walk out the door.
- • Board-ready membership reportsTurn membership trends into a clear summary the board can review and act on.
Are we as profitable as we should be?
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.
Profitability Analysis
MARGIN PROTECTION
- • Net interest margin trackingWatch margin trends quarter over quarter and catch erosion before it shows up on the bottom line.
- • Pricing impact analysisSee exactly how loan and deposit pricing decisions move overall profitability.
- • Peer margin benchmarkingCompare your margin performance to credit unions of similar size, region, and field of membership.
COST & EFFICIENCY
- • Expense ratio benchmarkingSee how your operating expenses compare to peers, ratio by ratio.
- • Resource allocation viewUnderstand where resources are driving the strongest returns, and where they aren't.
- • Efficiency ratio trackingTrack efficiency ratio trends over time to see whether operations are getting leaner or heavier.
PROFIT STRATEGY
- • Scenario modelingModel the profitability impact of pricing, growth, or cost decisions before you make them.
- • Board-ready profitability reportsTurn margin and efficiency analysis into a clear summary the board can review and act on.
- • Quarterly performance reviewsRevisit profitability drivers each quarter as new call-report data comes in.
Are we missing a valuable acquisition opportunity?
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.
Acquisition Scoring
Selection Filter
Selection Results
| RANK | CREDIT UNION | ACQ SCORE | ASSETS | MEMBERS | CAPITAL | GROWTH | EARNINGS | LEADERSHIP | |
|---|---|---|---|---|---|---|---|---|---|
| #1 | KAIPERM CA · NCUA Q1 2026 | 85 | $109.0M | 7,823 | 20/20 | 20/20 | 18/20 | 8/15 | |
| #2 | AEROSPACE CA · NCUA Q1 2026 | 85 | $422.8M | 9,292 | 20/20 | 20/20 | 18/20 | 8/15 | |
| #3 | CHAFFEY CA · NCUA Q1 2026 | 84 | $229.1M | 11,786 | 20/20 | 20/20 | 20/20 | 8/15 | |
| #4 | SANTA CRUZ COMMUNITY CA · NCUA Q1 2026 | 84 | $174.3M | 14,639 | 20/20 | 20/20 | 20/20 | 8/15 |
- • Acquisition target scanningScan the industry for credit unions that fit your criteria, filtered by asset size, state, and minimum score.
- • Six-factor scoring modelRank every candidate on a 100-point scale across capital, growth, membership, earnings, leadership, and market fit.
- • Ranked candidate listSee the strongest opportunities first, with each factor score shown so you know why a candidate ranks where it does.
- • Saved scansSave your search criteria and results, then revisit or rerun them as new call-report data arrives.
- • Side-by-side comparisonCompare a candidate’s financials directly against your own credit union before taking the next step.
- • Combined-entity modelingModel what the merged balance sheet, earnings, and capital would look like after the acquisition.
- • Market and field-of-membership fitSee where a candidate’s geography and field of membership overlap with — or expand — your own.
- • Board-ready acquisition briefsGenerate a clear summary of any candidate for board discussion and due-diligence planning.
Could avoiding a merger put our future at risk?
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.
Select Credit Unions
| METRIC | OUR CREDIT UNION | PEER CREDIT UNION | COMBINED | PEER MEDIAN |
|---|---|---|---|---|
| Total Assets | $481.8M | $256.1M | $737.9M | $1.3B |
| Total Loans | $186.5M | $198.7M | $385.2M | $928.4M |
| Total Deposits | $411.9M | $228.6M | $640.6M | $1.1B |
| Members | 47,453 | 6,618 | 54,071 | 74,536 |
| Net Worth Ratio | 14.35% | 10.57% | 13.04% | 10.55% |
| ROAA | 0.76% | 0.56% | 0.69% | 0.68% |
| Loan-to-Share | 45.27% | 86.93% | 60.14% | 84.80% |
| Loan Growth (4Q) | −0.06% | 11.14% | 5.72%EST | 5.21% |
| Deposit Growth (4Q) | 6.39% | 2.33% | 4.94%EST | 4.77% |
| Member Growth (4Q) | −2.01% | −0.97% | −1.88%EST | 1.83% |
- • Merger partner selectionSearch any credit union by name or charter number and pair it with your own or another institution.
- • Pro-forma combined balance sheetSee the combined assets, loans, deposits, and membership of the merged credit union instantly.
- • Merger scorecardCompare both credit unions and the combined entity side by side across key financial metrics.
- • Peer median benchmarkingMeasure the combined credit union against the median of its new peer group.
- • Capital and earnings impactSee how the merger would change net worth ratio, ROAA, and loan-to-share for the combined institution.
- • Growth trend estimatesEstimate combined loan, deposit, and member growth, clearly marked as estimates.
- • Value and risk assessmentIdentify where the merger strengthens the organization and where it introduces new risk.
- • Board-ready merger reportsTurn the analysis into a clear summary for board discussion and member communication planning.
Are we exposed to regulatory risks we haven’t identified?
A proactive view of the financial factors that can influence regulatory standing — helping leadership identify potential concerns, strengthen financial performance, and prepare for regulatory discussions and examinations.
Regulatory Indicators
How is this calculated?
Net Worth ÷ Total Assets. NCUA considers a credit union well capitalized at 7% or higher.
How is this calculated?
Total Loans ÷ Total Shares & Deposits. Ratios above 90% are commonly watched for liquidity pressure.
How is this calculated?
Allowance for Credit Losses ÷ Total Loans.
How is this calculated?
Whether the credit union reports its allowance under the CECL (Current Expected Credit Loss) standard, and when it was adopted.
- • Regulatory risk indicatorsSurface the financial factors most likely to draw regulatory attention before they become a problem.
- • Exam readiness viewKnow where you stand heading into your next exam, not just after it's over.
- • Financial factor monitoringTrack the specific metrics examiners focus on, updated every quarter.
- • Capital & regulatory ratio trackingMonitor the capital and regulatory ratios examiners care about most, quarter over quarter.
- • Peer regulatory comparisonSee how your regulatory standing compares to peer credit unions of similar size and charter.
- • Concern flaggingGet flagged early on any factors that could raise questions during an examination.
- • Discussion-ready summariesWalk into regulatory discussions with a clear, data-backed summary of where you stand.
- • Board-ready regulatory reportsTurn the regulatory picture into a summary the board can review before an exam.
Are we headed in the right direction?
Answers the most important strategic questions: Where are we today? Where do we want to go? What opportunities should we pursue? What risks must we manage? And what actions will get us there?
Scenario Planning
How is this calculated?
Change in projected quarterly net income versus the current baseline, after the scenario adjustments flow through interest income, interest expense and operating costs.
How is this calculated?
Change in return on assets (annualized net income ÷ average assets), in percentage points.
How is this calculated?
Change in the net worth ratio (net worth ÷ total assets). Asset growth can lower the ratio even when earnings rise.
How is this calculated?
Change in projected total assets resulting from the scenario.
How is this calculated?
Change in total loans ÷ total shares and deposits, in percentage points.
How is this calculated?
Estimated change in full-time-equivalent staff needed to support the scenario.
- • What-if scenario modelingAdjust lending, growth, rate, and expense assumptions and see how they change your credit union’s results.
- • Quick-start presetsRun common scenarios — loan growth, membership growth, rate shocks, expense increases — with a single click.
- • Projected financial impactSee modeled changes to net income, ROA, capital ratio, total assets, loan-to-share, and staffing.
- • Rate shock analysisTest how rising or falling rates would affect loan income, deposit costs, and investment yields.
- • Capital planningCheck whether growth plans keep the net worth ratio above your target before you commit to them.
- • Side-by-side scenario comparisonCompare multiple scenarios to choose the plan that best balances growth, earnings, and risk.
- • Multi-year projectionsExtend scenarios forward to see where today’s decisions take the balance sheet over time.
- • Transparent calculationsEvery projected figure explains how it was calculated, so leadership can trust the numbers.
- • Board-ready strategic plansTurn your chosen scenario into a clear summary for strategic planning sessions and board review.