"Over the last 10 years Navy Federal has used Kohl 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. Kohl's Activity-Based Assessment gave us the tool to understand our product and service profitability."

Joel Polster, SVP/Financial Operations Navy Federal Credit Union

"Kohl’s Earnings Enhancement Model builds on the value provided by their Product Profitability Assessment by giving us the ability to identify changes in product performance over time. We use the “What If” capabilities of this tool to examine the impact of changes to existing products. In addition, it streamlines the development of new products by quickly identifying the contributions provided by specific product designs. The Earnings Enhancement Model is a central part of our product management process at OneAZ. "

Mike Boden, SVP/Controller OneAZ Credit Union

"The Kohl Assessment identified performance issues we were not aware of regarding several products. There were specific problem areas we were able to act on which lead to substantial improvement in the contribution of these products and improved overall membership value. "

Hilary Eisbrenner SVP/CFO Space Coast Credit Union

"Kern Schools Federal Credit Union has performed several Assessments with Kohl over the years. Kohl’s new enhanced service provides assistance with collecting the hard data from loan applications to deposit transactions. As a result, resource use in the IT and Finance/Accounting areas has been reduced by 75%. It is now much easier to get quality product information working with the Kohl Analytics Group than before."

Nicholas Ambrosini, EVP/Chief Financial Officer Kern Schools Federal Credit Union

“I've been involved with Kohl Full Assessments several times and know how much work gathering the data can be. However, the new data collection processes developed by Kohl Analytics have reduced our loan, deposit and transactional data gathering time from weeks to hours."

- Brad Tanberg, CFO Verity Credit Union

"At $149 million we wanted know the profitability of individual shares and loans to get a better handle on where we make money. The Snapshot clearly identifies our weak products and reveals our winners, arming us with solid data for better decision making.”

“The analysis has been an education for our senior management team. We now have a full understanding of the many factors that go into measuring product profitability, enabling us to fine-tune our processes and packaging to ultimately boost our profitability."

Daniel Rourke, CEO Olean Area FCU

“As part of a study to keep or sell credit cards, we used the ABC Product Profitability Snapshot to analyze our card profitability to see just how the portfolio measured against all of our other loans. The assessment findings, delivered by Kohl's experienced and insightful consultants, proved to be an unbiased and credible source revealing the true profitability of our credit cards.”

“The process and results armed us with indisputable data to confidently make this important business decision."

James Nagy, CEO ValleyStone FCU