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Custom Reports

Callahan & Associates has created custom reports that can be imported into Peer to Peer. Each of the downloadable files is a .zip file. Review the PDF "Import Custom Displays" section of the manual if you have any questions or trouble loading these files into Peer to Peer.

Creating a Custom Benchmarking Report

On July 14, Alix Patterson wrote an article on CreditUnions.com about how to create 1st mortgage benchmarking report. The data discussed in the article is one of a handful of "Lending Scorecards" we created using Peer-to-Peer.

Peer Users can access these reports by downloading this file. Unzip the file and save the LendingScorecard.CRC to your desktop. Next, open Peer-to-Peer and go to File-Import-Custom Displays. Browse to find the file you just downloaded and import to your "My Displays" section of Peer-to-Peer.

Download CUSP Graphs into Peer to Peer

Visit the CUSP Graphs Archives to download custom .CRC files from CUSP Online.

Mortgage Modifications

Call report data on modified mortgages has been available for the past few years. We've put together five graphs showing how you can use the data to examine your modified mortgages against peers. Because the data is relatively new, the majority of the graphs will show flat up until the third quarter of 2008.

ZIP Mortgage Modifications

Member Business Lending

While growth in the overall lending portfolio remains flat, certain components and loan offerings continue to experience success. Member business lending continues to show growth.

As of the end of June 2010, the 7,434 credit unions included in the FirstLook program reported total outstanding member business loan balances of $29.6 billion. This represented an increase of 9.5% from the balances these same credit unions reported in the previous June, making business loans the fastest growing component of the credit union loan portfolio.

Download the custom MBL display to supplement the analysis of your own MBL portfolio. Spotlight reviews the newer account codes that you can find in these custom displays.

ZIP MBL Graphs

View Included Graphs
  • MBL Portfolio - Outstanding MBL and Purchased Business Loans
  • MBL Loans and Unfunded Commitments, Less Sold Participations and SBA Loans as a % of Assets (MBL Cap)
  • Net MBL Originations (Originations and Purchased Loans, Less Loans Sold YTD)
  • Reportable Business Loan Delinquency, by Type

Related Resource: "In the News" and "Spotlight" for August 2010's Peer in Gear

Corporate Stabilization Expense

In June 2010, the NCUA decided to levy a second stabilization assessment amounting to 13.4 basis points (or 0.134%) of insured shares as of March 2010. Use Peer to Peer to estimate your Corporate Stabilization Fund assessment.

Download the following custom report, or create your own custom Standing report using the following formula:
(a069a)*.00134.

Important

You must be at least on version 2.0.91, DB: 9.6 in order to run these custom displays.

ZIP Summer 2010 Expense

Asset Quality

Concerns surrounding asset quality, the allowance for loan losses, and the impact on earnings and capital have increased significantly in the past two years. But did you know that there are now over 230 account codes available to scrutinize delinquency and charge-offs on the 5300 Call Report?

Not sure you want to dive into 230 account codes? Start the process by downloading this custom .CRC file from Callahan & Associates that covers key asset quality ratios.

ZIP Asset Quality

TIP: To view the data in a vertical format (rather than horizontal), right-click on the data and select Transpose.

Non-Interest Income

Analyze your non-interest income with the following custom displays. Review non-interest income/average assets if you are looking at the financials or comparing individual credit unions, as it tends to even out the income curve. Non-interest income/members is a great report to run if you are analyzing member metrics or trying to compare fees between banks and credit unions. Finally, non-interest income/employees is important if you are reviewing productivity metrics (such as loan originations per employee, assets per employee, etc).

ZIP Non-Interest Income

View Included Graphs:
  • Non-interest income
  • Non-interest income/average assets
  • Non-interest income/total income
  • Non-interest income/member
  • Non-interest income/employees

Related Resource:
Regulation E, Non-interest Income, and How It Affects Credit Union Bottom Lines, a creditunions.com featured article

Member Relationships

Analyze your member relationships with the following custom displays.

ZIP Member Relationships

View Included Graphs
  • Average member relationship (excluding business loans)
  • Growth in average member relationship

Deposits Analysis

As part of the CUtv webinar series "Unleash the Power of Data," Callahan & Associates developed analytical frameworks to evaluate a credit union's deposit performance. During the event, Callahan covered how to analyze share portfolio, examine deposit acquisition, and compare a credit union's performance to its peers using a set of custom graphs.

ZIP Deposits Analysis

View Included Graphs:
  • Share composition
  • Share accounts per member
  • Share growth
  • 12-month share growth breakdown
  • Historic comparison: Share balances by type
  • Average share balance
  • Share draft penetration
  • Money market share growth
  • Money market rate
  • New deposit account codes
  • Money market average rates

Related Resource:
Unleash the Power of Data for Better Decision Making | Special Focus: Deposits, a CUtv event
(password - Deposits507)

Mortgage Analysis

Through the CUtv webinar series "Unleash the Power of Data," Callahan & Associates addressed how to go beyond simple industry averages to more specific comparison sets relating to mortgage analysis. During the event, Callahan showcased custom graphs covering the mortgage portfolio, asset quality and modification trends, which help you determine opportunities for growth and areas that need improvement.

ZIP Mortgage Analysis

View Included Graphs:
  • Real estate portfolio composition
  • Year-to-date real estate originations
  • First mortgage outstanding
  • First mortgage granted year-to-date
  • Sales of first mortgages
  • Amount granted
  • Delinquency and charge-off trends
  • Delinquency ratio comparison
  • Net charge-offs
  • Charge-off composition
  • Current year charge-offs as a percent of previous year's allowance for loan loss
  • Coverage ratio
  • Foreclosed and repossessed assets
  • Foreclosed and repossessed assets by dollar
  • Sales of first mortgages - Historical comparison
  • Foreclosed and repossessed assets by number
  • Origination composition
  • Total dollars modified loans outstanding
  • Composition of modifications to date
  • Modified loans charged-off
  • Modified charge-offs recovered
  • Modifications: Charge-offs and recoveries
  • Modified loans as a percent of total real estate delinquency
  • First mortgage modification delinquency
  • Other real estate modification delinquency
  • Modified delinquency - Aging by total dollar amount
  • Temporary display 14

Related Resource:
Unleash the Power of Data for Better Decision Making Special Focus: Mortgage, a CUtv event
(password - 061109Mortgage)

Allowance for Loan Loss Report

Analyzing and understanding current and historical allowance for loan loss trends is important in order to manage it effectively. Peer to Peer can help to enhance your ALL analysis by using peer group data to assist in your Q&E process.

ZIP Allowance for Loan Loss Report

View Included Graphs:
  • Loan and allowance for loan loss growth
  • Delinquency and charge-off trends
  • Charge-off ratio
  • Current year charge-offs as a percentage of previous year's allowance for loan loss

Related Resource:
Expand ALL analysis, Q&E process with comparative data, a CUtv event