ABC Product Profitability Snapshot ($4,950 – All Inclusive)

For smaller financial institutions, and others not currently positioned to acquire a full ABC Balance Sheet Products Assessment, 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 2006 Product Cost Summary.

The ABC Product Profitability “Snapshot” utilizes average cost data by product (from the 20 clients included in the 2008 Product Cost Summary) 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 profitability (ROA) for each category of loans.  An onsite presentation is also included that explains the findings and suggests how they should influence marketing, pricing and product design 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 the 2008 Product Cost Summary) and the total operating expense. Total net income therefore ties to your actuals.

Utilizing this methodology, Kohl Advisory Group provides ballpark 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 input form that needs to be completed, click below.

(Request Sample Report)