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Key Charts:    All Charts: 
 
Peer Ranking:
Performance Analysis:
{name} falls below the peer average in loan growth. Possible causes for this level of performance include poor economic conditions, an older membership that is less prone to borrow, or a lack of strategic commitment to capture member loan business. Possible remedies include a review of underwriting policies, new product development and a commitment to a sales culture.
Formula Definition
Loan growth is driven by several factors including the state of the economy, the demographic make up of the membership, the level of risk the credit union is willing to manage and the credit union’s ability to gain market share. The overall market for loans is influenced by the membership’s confidence in their ability to handle debt. The demographic factors which can influence loan growth include the amount of borrowing age members, the wealth distribution of the membership and cultural attitudes towards debt and borrowing. The credit unions strategy and capacity to manage credit risk, for example developing a risk based lending pricing, has a direct impact on the credit union’s loan volume. Finally, the credit union’s ability to penetrate its potential loan market through marketing, product development (indirect lending, real estate lending, etc.), sales culture development and development of multiple delivery channels through technology all contribute to the credit union’s ability to grow loans.
Note:The star ratings and accompanying text are based on percentile rankings within a peer group. However, the peer average displayed in the chart is calculated as the weighted average (the mean) of the peer group. Therefore, it is possible that the star ratings and text may at times not correlate what is being displayed on the graph. This would be the case when the average of the peer group varies measurably from the 50th percentile ranking (the median) within the peer group.
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