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Formula Definition
Loan income is usually the largest component of gross income and therefore often the single most influential element of a well-managed net interest margin. Factors which effect loan interest income generally fall into two areas: 1) the make-up of the loan portfolio, and 2) pricing strategies used by the credit union. Loan portfolios with high percentages of real estate loans have a trend towards lower yields just as portfolios with higher percentages of high rate consumer loans (credit cards or signature loans) tend to have higher yields. Additionally, credit unions with indirect lending programs generally have higher yields due to the higher percentage of consumer loans. Credit unions with risk-based pricing will also generally have higher loan yields. 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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