Credit union affiliates of the Nebraska Credit Union League have been granted access to Callahan & Associates’ CUAnalyzer resource for the 2011 calendar year. CUAnalyzer is a user-friendly analytics program that takes an educational approach to helping all staff and Board understand financial performance.  With CUAnalyzer, you can quickly and easily evaluate your performance relative to peer groups, understand ratios, establish meaningful benchmarks and goals, compare financial strategies, and track your progress with the latest data.

In order to begin using CUAnalyzer, click the “Login” tab in the upper right-hand corner of the screen. You will log in using your credit union email address and the password provided in the email you should have recently received from Callahan and Associates.  If you need help or did not receive your password, please contact Callahan & Associates by emailing software@creditunions.com or by calling the toll-free number provided below.

If you have questions about using CUAnalyzer, Callahan will be hosting monthly online training sessions at regular intervals. For a list of upcoming trainings, and to register for these events click here. In the interim, a recording of our initial training session is always available on demand on our website.

Callahan support staff and analysts are also available for individual
questions and support Monday through Friday from 9AM to 5PM Eastern at (800) 446-7453.
Credit Union of the Day:
Pegasus Credit Union
Located: TX  Assets: $201M  Member: 10,090 Profile - Call Report -

Welcome to CU Analyzer! This interactive program takes an educational approach to financial analysis to introduce actionable insights and fresh perspectives at every level of your credit union - from front line staff to the CEO and Board. Analyze performance relative to customized peer groups, understand ratios, establish meaningful benchmarks and goals, compare financial strategies, and track your progress with the latest data. CUAnalyzer ties financial metrics to member value, strengthening the odds of credit union success in the changing financial services environment.       Our Vision
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  This Week's Hot Topic:      Asset Quality   Check out the following related CU Analyzer performance charts with today's featured credit union.


Callahan Peer Rating 
Performance Analysis
Sometimes delinquency can be a tricky concept. From a risk management perspective, the lower the ratio the better. Pegasus has a low delinquency ratio versus its peers. This is sometimes the result of unique characteristics of the credit union such as high levels of real estate loans. If the ratio is also accompanied...
Full Analysis
Ratio Definition
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Callahan Peer Rating 
Performance Analysis
Pegasus’s consumer loan delinquencies remain significantly below that of the peer group. Pegasus may be able to expand underwriting standards to increase portfolio growth potential. Collections efforts are limiting delinquencies in these loans.

Ratio Definition
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Callahan Peer Rating 
Performance Analysis
Pegasus’s credit card portfolio has a higher level of risk than its peers. In order for the program to maintain profitability the credit union should review the program’s pricing, underwriting policies and/or collections process.

Ratio Definition
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Callahan Peer Rating 
Performance Analysis
Real estate delinquency for Pegasus is well below the peer group average. The credit union likely maintains high underwriting standards. Pegasus may also be located in an area where home prices are appreciating, reflecting sound economic conditions.

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Callahan Peer Rating 
Performance Analysis
Pegasus's delinquent loans are growing faster than the peer group average. Pegasus’s ability to handle this increasing level of risk should be driven by the level of return generated by the loan portfolio and the credit union's ability to manage loan collections and losses. The delinquency ratio should also be examin...
Full Analysis
Ratio Definition
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Callahan Peer Rating 
Performance Analysis
Pegasus has a higher allowance to delinquent loans ratio compared to its peer and should evaluate the appropriate level of reserves needed to cover their credit risk. Pegasus should ask itself, is the credit union’s portfolio composition similar to its peers? Is this amount historically appropriate?

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© 2013 Callahan & Associates, Inc
1001 Connecticut Avenue, NW, 10th Floor, Washington, D.C. 20036
Phone: 1-800-446-7453, 202-223-3920