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Formula Definition
Loan income is usually the largest component of gross income therefore loan yield is often the single most influential element of a well managed net interest margin. Factors which effect loan interest income generally fall into two areas: the make up of the loan portfolio and pricing strategies used by the credit union. Loan portfolios with high percentages of real estate loans have a tendency towards lower yields just as portfolios with higher percentages of high rate consumer loans (credit cards or signature loans) have a tendency towards higher yields. Also, credit unions that have indirect lending programs generally have higher yields due to the higher percentage of consumer loans. Credit unions that have adopted risk based pricing will also generally have higher loan yields. The loan portfolio factors which effect loan yield are most often driven by the credit union’s member make up. Memberships with higher net worth members generally have a higher percentage of real estate loans with a corresponding lower loan yield. Conversely, memberships with moderate to low income memberships generally have a higher percentage of higher yielding consumer 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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