ABC Product Profitability Snapshot ($5,500)

For smaller credit unions, and others not currently positioned to acquire a full Activity-Based Assessment of Balance Sheet Products, Kohl Advisory Group offers a moderately priced alternative that approximates the cost and profitability of the same 13 lending products and 6 types of deposits addressed in the 2010 Product Cost Summary.

The ABC Product Profitability “Snapshot” utilizes average cost data by product in combination with actual information by product from your credit union. Results are delivered as a comprehensive report that includes charts depicting each major cost element by product and the resulting financial contribution (ROA) for each category of loans.  An onsite presentation is also included that explains the findings and suggests how they should influence marketing, pricing, product design and other product related decisions at the credit union.

Information required from your credit union includes total balances, number of loans and deposit accounts, average yields, projected loan losses, average interest rates and non-interest income (all by product). These amounts are used in conjunction with the average operating costs by product (from Kohl's ten most recently completed credit unions) and your credit union's total operating expense. Total net income therefore ties to your actuals.

Utilizing this methodology, Kohl Advisory Group provides reasonable estimates of profitability by lending product and the “All In Cost of Funds %” by deposit product.

For a free sample report of what you would receive from an ABC Product Profitability Snapshot, including the one page input form that is all that needs to be completed, click below.

(Request Sample Report)

“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 Kohl’s 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