Product Cost and Profitability Assessments in Credit Unions
Discover why credit unions from $40 million in assets to $40 billion have relied on our services and software to learn, understand and more effectively manage the costs and financial performance of their products.

Activity-Based Assessment of Balance Sheet Products
Utilizing the power of Activity-Based Costing, this very comprehensive service conveys in-depth understanding of the cost and financial performance of major balance sheet products. The service takes 3 to 6 months to complete and includes onsite work by Kohl personnel. (more)

ABC Product Profitability Snapshot
Kohl also offers a very moderately priced service that approximates financial performance of 13 loans types and eight classifications of shares. It utilizes your financial data in conjunction with product industry averages; takes just 3 - 4 weeks to complete; provides a comprehensive written report; and includes a presentation of findings either onsite or via Internet. (more)

Product Strategizing Software
For clients having completed either a full Activity-Based Assessment or an ABC Product Profitability Snapshot, Kohl offers a powerful strategy development tool referred to as the ABC Earnings Enhancement Model. In addition to strategizing existing products, new types of loans and deposits can be designed and evaluated. Plus, discover and manage the cost and financial contribution of your loans by risk-based lending tier.

What our clients say (Hold your mouse cursor over the text to pause animation.)

We received substantially more than anticipated. We now have a more comprehensive Product Profitability Report, which incorporates extensive interviews with staff and contains detailed meaningful components of costs, to assist us in product profitability analysis.

Janet Lee
Chief Financial Officer
Chevron Federal Credit Union
$1.4 billion assets

Over the last ten years Navy Federal has used Kohlís Activity-Based Assessment to better understand and manage the cost and profitability of our products and services. In today's environment, in order to remain competitive, we strongly believe that credit unions need to understand and effectively manage what their products and services earn. Kohl's Activity-Based Assessment provided us with the tool to understand our product and service profitability.

Joel Polster
SVP Financial Operations
Navy Federal Credit Union
$40 billion assets

This is just the information our credit union has needed and we'll be putting it to very good use. I feel like a blind woman who's just had laser eye surgery!

Thanks again!

Karen Rosales
Marketing & Business Dev.
Justice Federal Credit Union
$500 million assets

Kohl Advisory Groupís "ABC Product Profitability Snapshot" not only develops cost and profitability by product, but also explains why our products cost and earn what they do. In addition Kohl provides guidance and training on how to use the accompanying software ("EZ What if" Model) to develop and test product related strategies. Our recent rollout of a member onboarding program helped us design a suite of profitable products that increase the usage and number of services acquired by members; generating revenue in areas that were loss leaders.

Theresa Lotito-Camerino
Manager/CEO
Edge Federal Credit Union
$40 million assets

Industry Cost Averages Now Available Learn More about Kohl's 2013 Product Cost Summary for Credit Unions Order Kohl's 2013 Product Cost Summary for Credit Unions

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activity-based assessment of balance sheet products | 2015 product cost summary | product profitability snapshot
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