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Macroeconomic Trends
Policy Pedia
New Offerings

Milestone

  • BO @ New Member deployed

  • Automated Fair Lending report deployed

  • FTAB deployed; ratios updated

  • BO/X-sell best practices forum

Status

  • Core Integration via SymXchange

  • Basic Cashflow UW rules

  • Bundled Offers at Loan Application?

  • Advanced Cashflow Underwriting?

  • BO Dashboard enhancements

  • LN Relatives campaign

  • RiskView 6.0 testing

  • 'Max approvable' parameters pending

  • Loan Performance data & analysis/validation

Outlook

  • Portfolio health/performance

  • 2025 growth plans

  • Cross-sells

  • Portfolio management/early warning indicators

  • Fraud/other risks

  • Examination/Audits

Impact

ROI

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Q4 2024

4 Front

4 Front

4 Quarter Growth

-4.14%

Total loans

-9.23%

Total deposits

0.20%

Members

Source: https://www.ncua.gov/analysis/credit-union-corporate-call-report-data

Michigan

1.80%

Median Y-o-Y Loan Growth

-0.20%

Median Y-o-Y Deposit Growth

73 bps

Median delinquency rate

4.50%

Unemployment rate

Source: https://www.ncua.gov/analysis/credit-union-corporate-call-report-data/ncua-quarterly-us-map-review

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