CREDIT UNION
SCORECARDS
Snapshot summaries of the current credit union
environment
Webinar
March 21, 2017
1
PRESENTERS
Ian Dunn, EVP Products
Keaton Baughan, Product Manager
2
Anyone know whose yearbook photo this is? Let’s test
the chat functionality
We have a sweet prize
for the first person to chat
the correct answer!
Hint 1: Comedian
Hint 2: Made a show about
nothing
Hint 3: Legal first name is
Jerome
3
AGENDA
1
VISIBLE EQUITY DATABASE
2
CALL REPORT TRENDS
3
CALL REPORT PEER
COMPARISON
4
AGENDA
1
VISIBLE EQUITY DATABASE
2
CALL REPORT TRENDS
3
CALL REPORT PEER
COMPARISON
5
VISIBLE EQUITY DATABASE
SAMPLE
•
•
•
•
Use all available credit unions
Sample according to state population size
Divide weights by number of credit unions from that state
If any state not represented, distribute weight to other credit
unions evenly
6
VISIBLE EQUITY DATABASE REPORT
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
7
VISIBLE EQUITY DATABASE REPORT
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
8
VISIBLE EQUITY
GRADES & MIGRATION
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
A+: >=720 A: 680<= & <720 B: 640<= & <680 C: 600<= & <640 D: 550<=across
& <600more
E: products
<=550
9
VISIBLE EQUITY AUTOS & APPS
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
10
VISIBLE EQUITY DATABASE REPORT
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
11
VISIBLE EQUITY DATABASE REPORT
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
12
AGENDA
1
VISIBLE EQUITY DATABASE
2
CALL REPORT TRENDS
3
CALL REPORT PEER
COMPARISON
13
CALL REPORT TREND REPORT
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
14
CALL REPORT TREND REPORT
• General
• Loans
• Shares
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
• Assets
GROWTH
BETTER FULFILL
MISSION
• Delinquenci
Forbes Report:
Increased growth
es
Companies that put
means better or
• Charge-Offs
data at center of
increased service to
marketing decisions
customers or members
exceed MROI by 15More customers
20%
across more products
15
CALL REPORT GENERAL
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
16
CALL REPORT GENERAL
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
17
CALL REPORT GENERAL
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
18
CALL REPORT LOANS
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
19
CALL REPORT SHARES
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
20
CALL REPORT ASSETS
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
21
CALL REPORT DELINQUENCIES
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
22
CALL REPORT CHARGE-OFFS
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
23
CALL REPORT TREND REPORT
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
24
AGENDA
1
VISIBLE EQUITY DATABASE
2
CALL REPORT TRENDS
3
1
CALL REPORT PEER
COMPARISON
25
PEER GROUP DEFINITIONS
PEER GROUP
ASSETS
1
$2 million or less
2
$2 million to less than $10 million
3
$10 million to less than $50 million
4
$50 million to less than $100 million
5
$100 million to less than $500
million
6
$500 million or more
26
CALL REPORT PEER REPORT
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
27
CALL REPORT GENERAL
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
28
CALL REPORT LOANS
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
29
CALL REPORT SHARES
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
30
CALL REPORT ASSETS
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
31
CALL REPORT DELINQUENCIES
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
32
CALL REPORT CHARGE-OFFS
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
33
CALL REPORT PEER REPORT
MOVE PAST STATIC
REPORTING
What happened?
Why did this happen?
Predict what will
happen
UNDERSTAND
CUSTOMER BEHAVIOR
Study behavior of
individuals
Study behavior of
groups, or segments
of customers.
ACCELERATE
GROWTH
Forbes Report:
Companies that put
data at center of
marketing decisions
exceed MROI by 1520%
BETTER FULFILL
MISSION
Increased growth
means better or
increased service to
customers or members
More customers
across more products
34
FUTURE DEVELOPMENTS
•
•
•
•
•
Create similar reports for financial institutions
Create a trending peer report
Create a report broken down by region
Create a report looking at peers by region and asset size
Incorporate into Visible Equity software to allow for
customizable reporting
35
QUESTIONS
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THANK YOU
FOR MORE INFORMATION PLEASE CONTACT:
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888-409-1560