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Navigating Risk in an Uncertain World
Navigating Risk in an Uncertain World
In today's complex economic environment, relying on lagging indicators and gut feelings is no longer enough. Credit union leaders need to see around the corner, but often face significant hurdles that create strategic blind spots:
Reactive Decision-Making: Relying on static, quarterly call report data that only shows you where you've been, not where you're going.
Lack of True Context: Struggling to know if your performance is genuinely strong or if you are simply rising with the industry tide, making true peer benchmarking difficult.
Surface-Level Analysis: Seeing a key ratio decline without having the immediate ability to diagnose the specific underlying weaknesses, leading to inefficient problem-solving.
Complex Board Communication: Spending hours trying to distill pages of financial data into a clear, compelling, and strategic narrative for your board and leadership team.
These challenges can mask both emerging risks and significant opportunities.
CU HealthScore: Your Strategic Advantage
CU HealthScore: Your Strategic Advantage
Stop looking in the rearview mirror. Our Industry Trends dashboard provides a dynamic, macro-level view of the entire credit union landscape, allowing you to understand the forces shaping performance and put your own strategy in a broader, more relevant context.
Go from "what" to "why" in seconds. Our comprehensive Profile Pages allow you to analyze any credit union with our 17-point component scoring system, benchmarking every metric against the industry average to reveal true strengths and weaknesses.
Cut through the noise. Our proprietary Risk Tier system categorizes every institution into a simple Low, Medium, or High-risk tier, providing an immediate, at-a-glance understanding of its stability and potential for distress.
Move from ad-hoc analysis to proactive monitoring. Create and save personalized Watch Lists to track peer groups, key competitors, or potential partners, making board reporting and strategic analysis more efficient than ever.
A Model Validated by Data, Trusted by Leaders for Over a Decade
A Model Validated by Data, Trusted by Leaders for Over a Decade
The CU HealthScore is not an untested algorithm. It is a proprietary model developed over a decade by Glatt Consulting President, Tom Glatt, and has been a trusted tool for credit union leaders for years. To ensure full transparency and affirm its capabilities, we recently undertook a landmark statistical study to validate its predictive power against real-world failures.
65%
Reduction in the odds of failure for each one-point HealthScore improvement, according to our landmark validation study.
Excellent
The model's predictive power is rated as 'Excellent' by risk modeling standards (0.88 AUC), confirming its ability to separate at-risk institutions from healthy ones.
Make Your Next Strategic Decision a Data-Driven One.
Make Your Next Strategic Decision a Data-Driven One.
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