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The latest CU Risk Index calculation is 1.91 representing a 2.05% decrease year-over-year.
The latest CU Risk Index calculation is 1.91 representing a 2.05% decrease year-over-year.
Are You Confident in Your Credit Union's Financial Position?
Are You Confident in Your Credit Union's Financial Position?
In a rapidly evolving and tightly regulated financial environment, understanding your credit union's true financial health and risk posture is paramount for strategic decision-making. Relying solely on internal metrics or anecdotal comparisons can leave crucial insights undiscovered and expose your institution to unforeseen vulnerabilities. How accurately are you benchmarking your performance against competitors and the broader credit union landscape? Without objective, data-driven insights, navigating the complexities of growth and risk becomes an exercise in guesswork, not informed strategy.
COMING SOON
Subscribe to the CU Risk Index to unlock a data-driven understanding of your credit union's financial health and risk profile, benchmarking performance against the industry.
Subscriber Benefits:
Subscriber Benefits:
1: Subscriber-Only Website Access
Log in to our secure, user-friendly platform for on-demand access to the current health and risk scores for any individual credit union. Search, compare, and analyze with ease.
2: Quarterly Industry Summary Reports
Receive comprehensive emailed reports providing a high-level overview of industry-wide trends, aggregated risk profiles, and emerging insights, allowing you to benchmark your performance against the broader credit union landscape.
3: Historical Data Tracking
Monitor your credit union's performance and risk profile over time, identifying trends and understanding the impact of strategic decisions.
Gain Unparalleled Financial Insights
Empower your credit union with the objective, data-driven intelligence needed to navigate complexity and secure a competitive edge.
Related Insights
Explore the latest Risk Index insights
Our Q1 2025 analysis shows credit unions have entered a new phase of stability, with overall financial risk holding steady.
A transparent look at what the CU Risk Index is, how it’s built, and why it represents a new way of thinking about performance
A comprehensive breakdown of the ratios included in the CU Risk Index and why each one is critical for risk assessment.
About the Glatt Consulting Group CU Risk Index
About the Glatt Consulting Group CU Risk Index
We bring unparalleled objectivity and depth to financial performance analysis with our proprietary, data-driven CU Risk Index. This innovative, subscriber-based platform transforms complex financial call report data into clear, actionable insights, applicable to credit unions of all sizes.
Our Index is meticulously built through a rigorous methodology that ensures accuracy, relevance, and consistency:
Comprehensive Data Foundation: Our system is powered by an extensive historical dataset, leveraging over 500,000 observations per ratio to ensure statistical robustness and provide a true benchmark against industry performance.
Twenty-Two Key Financial Ratios: We systematically analyze 22 critical financial ratios, carefully selected across core categories vital to credit union health: Capital Adequacy, Earnings, Asset Quality, Liquidity, Member Relationship, and Growth.
Objective, Tiered Scoring: Each ratio is assessed using a clear, intuitive 4-tier scoring system (Score 1 = Lowest Risk, Score 4 = Highest Risk). These tiers are precisely defined by historical percentile cutoffs from our vast dataset, offering an objective and transparent assessment of relative risk.
Universal & Relevant: Our ratio selection process emphasizes broad applicability to all credit unions, ensuring the system's relevance and universal utility without reliance on optional or complex institutional-specific data.
Informed by Industry Standards: We meticulously considered key regulatory definitions, such as NCUA's "Well Capitalized" status, to ensure our risk tiers align logically with critical safety and soundness thresholds.
Why This Matters to Your Credit Union: The Strategic Advantage
Why This Matters to Your Credit Union: The Strategic Advantage
Leveraging the CU Risk Index delivers critical advantages for your credit union's financial health and strategic positioning.
Objective Strategic Benchmarking: Gain crystal-clear insights into your credit union's strengths and vulnerabilities compared to competitors and the industry average, informing strategic direction.
Proactive Risk Identification: Identify emerging risk factors and performance shifts with data-driven precision, allowing for timely strategic adjustments before they escalate.
Empowered Decision-Making: Equip your board, executive leadership, and management teams with quantifiable, objective data for superior strategic planning, robust risk management, and confident oversight.
Enhanced Due Diligence: Utilize robust, comparative data for mergers, acquisitions, or partnership considerations.
Clearer Stakeholder Communication: Support your discussions with regulators, auditors, and internal teams with transparent, data-backed evidence of your credit union's health.
Ready to Gain Unparalleled Financial Insights?
Stop relying on intuition. Empower your credit union with the objective, data-driven intelligence needed to navigate complexity and secure a competitive edge. The CU Risk Index provides the clarity you need to make smarter, more confident decisions.
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