credit unions - CULytics Community2024-03-29T14:36:05Zhttps://culytics.com/blogs/feed/tag/credit+unionsUnveiling the Hidden Dangers of Cobra Effect on KPIshttps://culytics.com/blogs/unveiling-the-hidden-dangers-of-cobra-effect-on-kpis2023-08-08T20:46:59.000Z2023-08-08T20:46:59.000ZNaveen Jainhttps://culytics.com/members/Naveen<div><p class="zw-paragraph heading0" style="text-align:center;"><img src="{{#staticFileLink}}12187517900,RESIZE_710x{{/staticFileLink}}" width="290" height="193" alt="12187517900?profile=RESIZE_710x" /></p>
<p class="zw-paragraph heading0" style="text-align:left;">Have you heard of the Cobra Effect on KPIs? It's a concept that recently surfaced with concerns surrounding one of the largest banks in the US, where overzealous employees were opening new accounts on behalf of clients without their permission.</p>
<p class="zw-paragraph heading0" style="text-align:left;">Let me share a story from a town in India that sheds light on the Cobra Effect. The local government wanted to combat the growing population of cobras and decided to offer a small financial incentive to anyone who brought in a cobra head. Their intention was to control the cobra population this way.</p>
<p class="zw-paragraph heading0" style="text-align:left;">Initially, they experienced the desired outcome as the cobra population decreased. However, they soon discovered a disheartening truth. People were bringing in more and more cobra heads. It turned out there was an underground industry involved in breeding and nurturing cobras for the sole purpose of claiming the reward.</p>
<p class="zw-paragraph heading0" style="text-align:left;">In your organization, it's essential to identify if any KPIs are being manipulated or gamed. One approach to mitigate this risk is to establish parallel KPIs for checks and balances. For example, to maintain a healthy balance between member satisfaction and fee income, you may not want fees to be refunded only for deserving members, ensuring high satisfaction and engagement without compromising financial sustainability.</p>
<p class="zw-paragraph heading0" style="text-align:left;">At our executive workshops on Achieving Successful Business Outcomes, we delve into the concept of the Cobra Effect and so much more. Our workshops are designed to help you align your organization's business objectives with your vision and strategic priorities. We provide guidance on setting measurable objectives and key performance indicators, implementing effective monitoring processes, and fostering innovation in advancing your data analytics practice.</p>
<p class="zw-paragraph heading0" style="text-align:left;">If the notion of Cobras has piqued your interest or if you'd like to learn more about our executive workshop series, I encourage you to reach out to me. Together, we can unveil the hidden truths behind KPIs and empower your organization to achieve genuine business success.</p></div>Executing Advanced Analytics Do's and Don'thttps://culytics.com/blogs/executing-advanced-analytics-do-s-and-don-t2020-12-11T14:28:49.000Z2020-12-11T14:28:49.000ZMedhavi Singlahttps://culytics.com/members/MedhaviSingla<div><p><a href="{{#staticFileLink}}8274292899,original{{/staticFileLink}}"><img class="align-center" src="{{#staticFileLink}}8274292899,RESIZE_710x{{/staticFileLink}}" width="710" alt="8274292899?profile=RESIZE_710x" /></a></p>
<p>Credit Unions are more data centric now than ever before. They are emphasizing on collecting, storing harnessing data and laying strong data-based foundations. To make decisions which are member centric, and to be able to take actions where they are needed most, Credit Unions need to be have a relevant analytics strategy and the capabilities to execute it in an efficient manner.</p>
<p>In this article we discuss the different approaches to consider and use when executing an advanced data analytics strategy and the pros and cons of these approaches. The insights confirm to the discussion of panelists, at a webinar on Executing your Advanced Analytics Strategy hosted by CULytics. The panelists included Lee Brooks, SVP, Enterprise Data Analytics, Virginia Credit Union: Ken Kondo, VP of Innovation and Software Development, Redwood Credit Union : Scott Kaylie, Data and Analytics Leader, Solarity Credit Union : Shubhankar Jain, Advisor, CULytics : and Troy Del Valle, VP, Business Intelligence, Hudson Valley Credit Union.</p>
<ol>
<li>
<p>Foundation to have before investing in Artificial Intelligence and Machine Learning.</p>
<p>Data is a tool and not the end goal. Here are some key actions you can take to build a strong foundation -</p>
<ul>
<li>Focus on four main factors-
<ol>
<li>Data warehousing</li>
<li>Business Intelligence</li>
<li>Data Science</li>
<li>Data Governance</li>
</ol>
</li>
<li>Data warehousing is very key for any predictive behavior. It helps to build a rich history which the Credit Union should build upon. Propensity Pay models, check fraud models, are some examples how advanced analytics strategy can be beneficial and drive value.</li>
<li>Bring in the right data from right resources into one data warehouse. This will help you captivate Power BI tools and take on various machine learning initiatives.</li>
<li>Evaluating use cases for more advanced analytics can provide value.</li>
<li>It is equally important to understand what particular data elements mean.</li>
<li>Engage with business functions and understand the business value.</li>
</ul>
</li>
<li>
<p>Where do use cases come from and how are they prioritized?</p>
<p>How do Credit Unions put the use cases together? Here are a few examples-</p>
<ul>
<li>Ideas from executives and reaching a consensus between the It team and C level leaders.</li>
<li>From the direction where the business is headed.</li>
<li>From servicing lines for example Human Resources Department.</li>
<li>Prescriptive and reporting requests.</li>
</ul>
<p>These use cases are prioritized based on the impact they have on business, and by being inclusive of all business functions. Analyzing the member facing impact, which gives a common language to the entire organizations.</p>
</li>
<li>
<p>How long does it take to build a data foundation? Can it be built in one day or is it a continuous effort?</p>
<p>This is an ongoing effort. With business functions, there are always going to be new data sets which means they will need to be consolidated as often as possible. One considering factor in the time it takes to build the foundation is what you are working on – for example, whether it is a machine learning model or a reporting architecture. The process can also depend on the understanding you have the data.</p>
</li>
<li>
<p>What is the technology stack you should be using? What are the pros and cons?</p>
<p>There are two ways to look at your technology stack - choose the stack which you believe that your team can manage and provide value from or provide the tools to data savvy employees. Some common tools for a technology stack include SQL, Informatica, SSRS for reporting with tableau, R as predictive modelling platform, and Tableau for self-servicing dashboards. ETL, BI tools allow you to scale. Informatica is a good tool for loading. Augmented analytics, Data IQ are other common tools. A practice of setting R file templates for machine learning, and implementing power BI for data visualizations and reporting so as to build critical thinking is a unique practice adopted by credit unions.</p>
</li>
<li>
<p>What are some challenges which have been encountered? What is the way forward?</p>
<p>Some common lessons learned by Credit Unions are as follows-</p>
<ul>
<li>Bad data will always be there. You have to come up with ways to counter that.</li>
<li>Unexpected work can derail progress towards goals.</li>
<li>Collecting the data and helping the organization develop an understanding the process can be a challenging process.</li>
<li>Not being nimble with the process is a common mistake.</li>
</ul>
</li>
</ol>
<p>Credit Unions are now moving towards using machine learning for a self-service approach, Data warehousing, and business intelligence. Building self -service dashboards, improving on data governance policies, building predictive models and implementing them effectively are other objectives.</p>
<p>CONCLUSION</p>
<p>Having business functions visualize what they can achieve with data and aligning with them can make a positive difference, and it increases transparency and data literacy. For data foundations it is important to keep evolving as you move forward. Always weigh the return when you are going after an initiative. There is always room to grow.</p></div>Top 50 Credit Unions with Highest and Lowest Marketing Expense Per Member as of June 2020https://culytics.com/blogs/highest-and-lowest-marketing-expense-per-member-june-20202020-11-22T19:43:42.000Z2020-11-22T19:43:42.000ZMedhavi Singlahttps://culytics.com/members/MedhaviSingla<div><div> </div>
<div><span class="x_1965692200font"><span class="x_1965692200size">Marketing expense per member is a good measure to know how much a credit union is spending in marketing to its members and then how effective the marketing is. It is calculated by dividing the </span></span><span class="x_1965692200font"><span class="x_1965692200size">Total Educational and Promotion Expense during June 2020 by the Total Members at the end of June 2020. </span><span class="x_1965692200size"><br /></span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size"> </span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size">Below we have listed the Top 50 Credit Unions with Highest and Lowest Marketing Expense Per Member as of June 2020. ( CUs with Asset size more than $500M are taken into consideration. )</span></span><span class="x_1965692200font"><span class="x_1965692200size"><br /></span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size"> </span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size">For the credit unions that are spending on the lower end, are they being more efficient in communicating their message to their members and prospects? Are they using more digital ways than traditional ways (such as newspapers, billboards, radio/TV ads), etc.? Are they using more automation technologies?</span></span><span class="x_1965692200font"><span class="x_1965692200size"><br /></span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size"> </span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size">Here is the list of Top 50 CUs with </span></span><strong><span class="x_1965692200font"><span class="x_1965692200size">Lowest Marketing Expense Per Member. </span></span></strong><span class="x_1965692200font"><span class="x_1965692200size"><br /></span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size"> </span></span></div>
<div>
<table style="width:922px;" width="963">
<tbody>
<tr>
<td style="text-align:center;width:53px;" width="64"><strong>#</strong></td>
<td style="text-align:center;width:226px;" width="266"><strong>CU Name</strong></td>
<td style="text-align:center;width:58px;" width="64"><strong>State</strong></td>
<td style="text-align:center;width:123px;" width="143"><strong>Total Assets</strong></td>
<td style="text-align:center;width:122px;" width="184"><strong>Total Members</strong></td>
<td style="text-align:center;width:142px;" width="178"><strong>Marketing Expense Per Member</strong></td>
<td style="text-align:center;width:198px;" width="64"><strong>URL</strong></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">1</td>
<td style="text-align:center;width:226px;">N C P D Credit Union</td>
<td style="text-align:center;width:58px;">NY</td>
<td style="text-align:center;width:123px;">809M</td>
<td style="text-align:center;width:122px;">16K</td>
<td style="text-align:center;width:142px;">$0.00</td>
<td style="text-align:center;width:198px;"><a href="http://ncpdfcu.org/">http://ncpdfcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">2</td>
<td style="text-align:center;width:226px;">State Employees' Credit Union</td>
<td style="text-align:center;width:58px;">NC</td>
<td style="text-align:center;width:123px;">45,192M</td>
<td style="text-align:center;width:122px;">2,512K</td>
<td style="text-align:center;width:142px;">$0.05</td>
<td style="text-align:center;width:198px;"><a href="http://www.ncsecu.org/">http://www.ncsecu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">3</td>
<td style="text-align:center;width:226px;">Connecticut State Employees Credit Union</td>
<td style="text-align:center;width:58px;">CT</td>
<td style="text-align:center;width:123px;">2,088M</td>
<td style="text-align:center;width:122px;">66K</td>
<td style="text-align:center;width:142px;">$0.21</td>
<td style="text-align:center;width:198px;"><a href="http://csecreditunion.com/">http://csecreditunion.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">4</td>
<td style="text-align:center;width:226px;">State Farm Credit Union</td>
<td style="text-align:center;width:58px;">IL</td>
<td style="text-align:center;width:123px;">4,755M</td>
<td style="text-align:center;width:122px;">124K</td>
<td style="text-align:center;width:142px;">$0.22</td>
<td style="text-align:center;width:198px;"><a href="http://www.statefarmfcu.com/">http://www.statefarmfcu.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">5</td>
<td style="text-align:center;width:226px;">Municipal Credit Union</td>
<td style="text-align:center;width:58px;">NY</td>
<td style="text-align:center;width:123px;">3,617M</td>
<td style="text-align:center;width:122px;">589K</td>
<td style="text-align:center;width:142px;">$0.26</td>
<td style="text-align:center;width:198px;"><a href="http://www.nymcu.org/">http://www.nymcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">6</td>
<td style="text-align:center;width:226px;">Latino Community Credit Union</td>
<td style="text-align:center;width:58px;">NC</td>
<td style="text-align:center;width:123px;">536M</td>
<td style="text-align:center;width:122px;">89K</td>
<td style="text-align:center;width:142px;">$0.37</td>
<td style="text-align:center;width:198px;"><a href="http://www.latinoccu.org/">http://www.latinoccu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">7</td>
<td style="text-align:center;width:226px;">Centris Credit Union</td>
<td style="text-align:center;width:58px;">NE</td>
<td style="text-align:center;width:123px;">861M</td>
<td style="text-align:center;width:122px;">112K</td>
<td style="text-align:center;width:142px;">$0.66</td>
<td style="text-align:center;width:198px;"><a href="http://www.centrisfcu.org/">http://www.centrisfcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">8</td>
<td style="text-align:center;width:226px;">Utah Power Credit Union</td>
<td style="text-align:center;width:58px;">UT</td>
<td style="text-align:center;width:123px;">799M</td>
<td style="text-align:center;width:122px;">28K</td>
<td style="text-align:center;width:142px;">$0.71</td>
<td style="text-align:center;width:198px;"><a href="http://www.utahpowercu.org/">http://www.utahpowercu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">9</td>
<td style="text-align:center;width:226px;">Liberty Bay Credit Union</td>
<td style="text-align:center;width:58px;">MA</td>
<td style="text-align:center;width:123px;">708M</td>
<td style="text-align:center;width:122px;">28K</td>
<td style="text-align:center;width:142px;">$0.75</td>
<td style="text-align:center;width:198px;"><a href="http://www.libertybaycu.org/">http://www.libertybaycu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">10</td>
<td style="text-align:center;width:226px;">Self-Help Credit Union</td>
<td style="text-align:center;width:58px;">NC</td>
<td style="text-align:center;width:123px;">1,226M</td>
<td style="text-align:center;width:122px;">89K</td>
<td style="text-align:center;width:142px;">$0.76</td>
<td style="text-align:center;width:198px;"><a href="http://www.self-help.org/">http://www.self-help.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">11</td>
<td style="text-align:center;width:226px;">Family Security Credit Union</td>
<td style="text-align:center;width:58px;">AL</td>
<td style="text-align:center;width:123px;">776M</td>
<td style="text-align:center;width:122px;">85K</td>
<td style="text-align:center;width:142px;">$0.78</td>
<td style="text-align:center;width:198px;"><a href="http://myfscu.com/">http://myfscu.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">12</td>
<td style="text-align:center;width:226px;">Apco Employees Credit Union</td>
<td style="text-align:center;width:58px;">AL</td>
<td style="text-align:center;width:123px;">3,215M</td>
<td style="text-align:center;width:122px;">72K</td>
<td style="text-align:center;width:142px;">$0.82</td>
<td style="text-align:center;width:198px;"><a href="http://www.apcocu.org/">http://www.apcocu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">13</td>
<td style="text-align:center;width:226px;">Safe 1 Credit Union</td>
<td style="text-align:center;width:58px;">CA</td>
<td style="text-align:center;width:123px;">739M</td>
<td style="text-align:center;width:122px;">70K</td>
<td style="text-align:center;width:142px;">$0.83</td>
<td style="text-align:center;width:198px;"><a href="http://safe1.org/">http://safe1.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">14</td>
<td style="text-align:center;width:226px;">Schlumberger Employees Credit Union</td>
<td style="text-align:center;width:58px;">TX</td>
<td style="text-align:center;width:123px;">924M</td>
<td style="text-align:center;width:122px;">30K</td>
<td style="text-align:center;width:142px;">$0.83</td>
<td style="text-align:center;width:198px;"><a href="http://www.secu.slb.com/">http://www.secu.slb.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">15</td>
<td style="text-align:center;width:226px;">Greenwood Credit Union</td>
<td style="text-align:center;width:58px;">RI</td>
<td style="text-align:center;width:123px;">617M</td>
<td style="text-align:center;width:122px;">75K</td>
<td style="text-align:center;width:142px;">$0.87</td>
<td style="text-align:center;width:198px;"><a href="http://www.greenwoodcu.org/">http://www.greenwoodcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">16</td>
<td style="text-align:center;width:226px;">Connexus Credit Union</td>
<td style="text-align:center;width:58px;">WI</td>
<td style="text-align:center;width:123px;">2,971M</td>
<td style="text-align:center;width:122px;">378K</td>
<td style="text-align:center;width:142px;">$0.96</td>
<td style="text-align:center;width:198px;"><a href="http://www.connexuscu.org/">http://www.connexuscu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">17</td>
<td style="text-align:center;width:226px;">Communitywide Credit Union</td>
<td style="text-align:center;width:58px;">IN</td>
<td style="text-align:center;width:123px;">500M</td>
<td style="text-align:center;width:122px;">54K</td>
<td style="text-align:center;width:142px;">$1.37</td>
<td style="text-align:center;width:198px;"><a href="http://www.comwide.com/">http://www.comwide.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">18</td>
<td style="text-align:center;width:226px;">Truwest Credit Union</td>
<td style="text-align:center;width:58px;">AZ</td>
<td style="text-align:center;width:123px;">1,312M</td>
<td style="text-align:center;width:122px;">94K</td>
<td style="text-align:center;width:142px;">$1.52</td>
<td style="text-align:center;width:198px;"><a href="http://www.truwest.org/">http://www.truwest.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">19</td>
<td style="text-align:center;width:226px;">Mayo Employees Credit Union</td>
<td style="text-align:center;width:58px;">MN</td>
<td style="text-align:center;width:123px;">1,176M</td>
<td style="text-align:center;width:122px;">65K</td>
<td style="text-align:center;width:142px;">$1.58</td>
<td style="text-align:center;width:198px;"><a href="http://www.mayocreditunion.org/">http://www.mayocreditunion.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">20</td>
<td style="text-align:center;width:226px;">Los Angeles Credit Union</td>
<td style="text-align:center;width:58px;">CA</td>
<td style="text-align:center;width:123px;">1,096M</td>
<td style="text-align:center;width:122px;">70K</td>
<td style="text-align:center;width:142px;">$1.70</td>
<td style="text-align:center;width:198px;"><a href="http://www.lafcu.org/">http://www.lafcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">21</td>
<td style="text-align:center;width:226px;">Triangle Credit Union</td>
<td style="text-align:center;width:58px;">NH</td>
<td style="text-align:center;width:123px;">790M</td>
<td style="text-align:center;width:122px;">58K</td>
<td style="text-align:center;width:142px;">$1.78</td>
<td style="text-align:center;width:198px;"><a href="http://trianglecu.org/">http://trianglecu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">22</td>
<td style="text-align:center;width:226px;">Tower Credit Union</td>
<td style="text-align:center;width:58px;">MD</td>
<td style="text-align:center;width:123px;">3,592M</td>
<td style="text-align:center;width:122px;">194K</td>
<td style="text-align:center;width:142px;">$1.86</td>
<td style="text-align:center;width:198px;"><a href="http://towerfcu.org/">http://towerfcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">23</td>
<td style="text-align:center;width:226px;">Merced School Employees Credit Union</td>
<td style="text-align:center;width:58px;">CA</td>
<td style="text-align:center;width:123px;">610M</td>
<td style="text-align:center;width:122px;">43K</td>
<td style="text-align:center;width:142px;">$1.88</td>
<td style="text-align:center;width:198px;"><a href="http://mercedschoolcu.org/">http://mercedschoolcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">24</td>
<td style="text-align:center;width:226px;">Usalliance Credit Union</td>
<td style="text-align:center;width:58px;">NY</td>
<td style="text-align:center;width:123px;">1,932M</td>
<td style="text-align:center;width:122px;">122K</td>
<td style="text-align:center;width:142px;">$2.05</td>
<td style="text-align:center;width:198px;"><a href="http://www.usalliance.org/">http://www.usalliance.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">25</td>
<td style="text-align:center;width:226px;">Consumer Credit Union</td>
<td style="text-align:center;width:58px;">TN</td>
<td style="text-align:center;width:123px;">520M</td>
<td style="text-align:center;width:122px;">42K</td>
<td style="text-align:center;width:142px;">$2.10</td>
<td style="text-align:center;width:198px;"><a href="http://consumercreditunion.com/">http://consumercreditunion.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">26</td>
<td style="text-align:center;width:226px;">Cedar Point Credit Union</td>
<td style="text-align:center;width:58px;">MD</td>
<td style="text-align:center;width:123px;">622M</td>
<td style="text-align:center;width:122px;">45K</td>
<td style="text-align:center;width:142px;">$2.22</td>
<td style="text-align:center;width:198px;"><a href="http://www.cpfcu.com/">http://www.cpfcu.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">27</td>
<td style="text-align:center;width:226px;">Partners Credit Union</td>
<td style="text-align:center;width:58px;">CA</td>
<td style="text-align:center;width:123px;">2,097M</td>
<td style="text-align:center;width:122px;">181K</td>
<td style="text-align:center;width:142px;">$2.27</td>
<td style="text-align:center;width:198px;"><a href="http://www.partnersfcu.org/">http://www.partnersfcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">28</td>
<td style="text-align:center;width:226px;">Apci Credit Union</td>
<td style="text-align:center;width:58px;">PA</td>
<td style="text-align:center;width:123px;">648M</td>
<td style="text-align:center;width:122px;">18K</td>
<td style="text-align:center;width:142px;">$2.28</td>
<td style="text-align:center;width:198px;"><a href="https://www.apcifcu.org/">https://www.apcifcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">29</td>
<td style="text-align:center;width:226px;">Merck Employees Credit Union</td>
<td style="text-align:center;width:58px;">NJ</td>
<td style="text-align:center;width:123px;">2,068M</td>
<td style="text-align:center;width:122px;">25K</td>
<td style="text-align:center;width:142px;">$2.28</td>
<td style="text-align:center;width:198px;"><a href="http://www.merckcu.com/">http://www.merckcu.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">30</td>
<td style="text-align:center;width:226px;">Washington State Employees Credit Union</td>
<td style="text-align:center;width:58px;">WA</td>
<td style="text-align:center;width:123px;">3,740M</td>
<td style="text-align:center;width:122px;">283K</td>
<td style="text-align:center;width:142px;">$2.29</td>
<td style="text-align:center;width:198px;"><a href="https://wsecu.org/">https://wsecu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">31</td>
<td style="text-align:center;width:226px;">Altaone Credit Union</td>
<td style="text-align:center;width:58px;">CA</td>
<td style="text-align:center;width:123px;">668M</td>
<td style="text-align:center;width:122px;">55K</td>
<td style="text-align:center;width:142px;">$2.31</td>
<td style="text-align:center;width:198px;"><a href="http://www.altaone.org/">http://www.altaone.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">32</td>
<td style="text-align:center;width:226px;">True Sky Credit Union</td>
<td style="text-align:center;width:58px;">OK</td>
<td style="text-align:center;width:123px;">712M</td>
<td style="text-align:center;width:122px;">55K</td>
<td style="text-align:center;width:142px;">$2.31</td>
<td style="text-align:center;width:198px;"><a href="http://www.trueskycu.org/">http://www.trueskycu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">33</td>
<td style="text-align:center;width:226px;">The Summit Credit Union</td>
<td style="text-align:center;width:58px;">NY</td>
<td style="text-align:center;width:123px;">1,091M</td>
<td style="text-align:center;width:122px;">88K</td>
<td style="text-align:center;width:142px;">$2.33</td>
<td style="text-align:center;width:198px;"><a href="http://www.summitfcu.org/">http://www.summitfcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">34</td>
<td style="text-align:center;width:226px;">United Nations Credit Union</td>
<td style="text-align:center;width:58px;">NY</td>
<td style="text-align:center;width:123px;">6,441M</td>
<td style="text-align:center;width:122px;">155K</td>
<td style="text-align:center;width:142px;">$2.36</td>
<td style="text-align:center;width:198px;"><a href="http://www.unfcu.org/">http://www.unfcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">35</td>
<td style="text-align:center;width:226px;">First City Credit Union</td>
<td style="text-align:center;width:58px;">CA</td>
<td style="text-align:center;width:123px;">783M</td>
<td style="text-align:center;width:122px;">63K</td>
<td style="text-align:center;width:142px;">$2.51</td>
<td style="text-align:center;width:198px;"><a href="http://firstcitycu.org/">http://firstcitycu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">36</td>
<td style="text-align:center;width:226px;">Sandia Laboratory Credit Union</td>
<td style="text-align:center;width:58px;">NM</td>
<td style="text-align:center;width:123px;">2,891M</td>
<td style="text-align:center;width:122px;">112K</td>
<td style="text-align:center;width:142px;">$2.52</td>
<td style="text-align:center;width:198px;"><a href="http://www.slfcu.org/">http://www.slfcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">37</td>
<td style="text-align:center;width:226px;">Thrivent Credit Union</td>
<td style="text-align:center;width:58px;">WI</td>
<td style="text-align:center;width:123px;">713M</td>
<td style="text-align:center;width:122px;">59K</td>
<td style="text-align:center;width:142px;">$2.54</td>
<td style="text-align:center;width:198px;"><a href="http://www.thriventcu.com/">http://www.thriventcu.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">38</td>
<td style="text-align:center;width:226px;">First Community Credit Union</td>
<td style="text-align:center;width:58px;">OR</td>
<td style="text-align:center;width:123px;">1,309M</td>
<td style="text-align:center;width:122px;">80K</td>
<td style="text-align:center;width:142px;">$2.56</td>
<td style="text-align:center;width:198px;"><a href="http://www.myfirstccu.org/">http://www.myfirstccu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">39</td>
<td style="text-align:center;width:226px;">Seattle Metropolitan Credit Union</td>
<td style="text-align:center;width:58px;">WA</td>
<td style="text-align:center;width:123px;">896M</td>
<td style="text-align:center;width:122px;">52K</td>
<td style="text-align:center;width:142px;">$2.58</td>
<td style="text-align:center;width:198px;"><a href="http://www.seattlecu.com/">http://www.seattlecu.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">40</td>
<td style="text-align:center;width:226px;">Police & Fire Credit Union</td>
<td style="text-align:center;width:58px;">PA</td>
<td style="text-align:center;width:123px;">6,311M</td>
<td style="text-align:center;width:122px;">347K</td>
<td style="text-align:center;width:142px;">$2.59</td>
<td style="text-align:center;width:198px;"><a href="http://www.pffcu.org/">http://www.pffcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">41</td>
<td style="text-align:center;width:226px;">Redstone Credit Union</td>
<td style="text-align:center;width:58px;">AL</td>
<td style="text-align:center;width:123px;">6,104M</td>
<td style="text-align:center;width:122px;">537K</td>
<td style="text-align:center;width:142px;">$2.64</td>
<td style="text-align:center;width:198px;"><a href="http://www.redfcu.org/">http://www.redfcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">42</td>
<td style="text-align:center;width:226px;">Houston Police Credit Union</td>
<td style="text-align:center;width:58px;">TX</td>
<td style="text-align:center;width:123px;">840M</td>
<td style="text-align:center;width:122px;">31K</td>
<td style="text-align:center;width:142px;">$2.65</td>
<td style="text-align:center;width:198px;"><a href="http://www.hpcu.coop/">http://www.hpcu.coop</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">43</td>
<td style="text-align:center;width:226px;">Efcu Financial Credit Union</td>
<td style="text-align:center;width:58px;">LA</td>
<td style="text-align:center;width:123px;">599M</td>
<td style="text-align:center;width:122px;">48K</td>
<td style="text-align:center;width:142px;">$2.71</td>
<td style="text-align:center;width:198px;"><a href="http://www.efcufinancial.org/">http://www.efcufinancial.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">44</td>
<td style="text-align:center;width:226px;">Self-Help Federal Credit Union</td>
<td style="text-align:center;width:58px;">NC</td>
<td style="text-align:center;width:123px;">1,449M</td>
<td style="text-align:center;width:122px;">79K</td>
<td style="text-align:center;width:142px;">$2.71</td>
<td style="text-align:center;width:198px;"><a href="http://www.self-helpfcu.org/">http://www.self-helpfcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">45</td>
<td style="text-align:center;width:226px;">Marine Credit Union</td>
<td style="text-align:center;width:58px;">NC</td>
<td style="text-align:center;width:123px;">788M</td>
<td style="text-align:center;width:122px;">83K</td>
<td style="text-align:center;width:142px;">$2.78</td>
<td style="text-align:center;width:198px;"><a href="http://marinefederal.org/">http://marinefederal.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">46</td>
<td style="text-align:center;width:226px;">Texans Credit Union</td>
<td style="text-align:center;width:58px;">TX</td>
<td style="text-align:center;width:123px;">1,792M</td>
<td style="text-align:center;width:122px;">114K</td>
<td style="text-align:center;width:142px;">$2.82</td>
<td style="text-align:center;width:198px;"><a href="http://www.texanscu.org/">http://www.texanscu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">47</td>
<td style="text-align:center;width:226px;">Bay Credit Union</td>
<td style="text-align:center;width:58px;">CA</td>
<td style="text-align:center;width:123px;">1,256M</td>
<td style="text-align:center;width:122px;">79K</td>
<td style="text-align:center;width:142px;">$2.89</td>
<td style="text-align:center;width:198px;"><a href="http://www.bayfed.com/">http://www.bayfed.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">48</td>
<td style="text-align:center;width:226px;">Members 1St Credit Union</td>
<td style="text-align:center;width:58px;">PA</td>
<td style="text-align:center;width:123px;">5,317M</td>
<td style="text-align:center;width:122px;">451K</td>
<td style="text-align:center;width:142px;">$2.97</td>
<td style="text-align:center;width:198px;"><a href="http://members1st.org/">http://members1st.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">49</td>
<td style="text-align:center;width:226px;">Tlc Community Credit Union</td>
<td style="text-align:center;width:58px;">MI</td>
<td style="text-align:center;width:123px;">611M</td>
<td style="text-align:center;width:122px;">53K</td>
<td style="text-align:center;width:142px;">$2.98</td>
<td style="text-align:center;width:198px;"><a href="http://www.tlccu.org/">http://www.tlccu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:53px;">50</td>
<td style="text-align:center;width:226px;">Golden Plains Credit Union</td>
<td style="text-align:center;width:58px;">KS</td>
<td style="text-align:center;width:123px;">729M</td>
<td style="text-align:center;width:122px;">80K</td>
<td style="text-align:center;width:142px;">$3.03</td>
<td style="text-align:center;width:198px;"><a href="http://www.gpcu.org/">http://www.gpcu.org</a></td>
</tr>
</tbody>
</table>
<span class="x_1965692200font"><span class="x_1965692200size"><br /></span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size"> </span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size">On the contrary, here is the list of </span></span><span class="x_1965692200font"><span class="x_1965692200size">Top 50 CUs with </span></span><strong><span class="x_1965692200font"><span class="x_1965692200size">Highest</span></span></strong><strong><span class="x_1965692200font"><span class="x_1965692200size"> Marketing Expense Per Member.</span></span></strong><span class="x_1965692200font"><span class="x_1965692200size"><br /></span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size"> </span></span></div>
<div>
<table style="width:923px;" width="991">
<tbody>
<tr>
<td style="text-align:center;width:54px;" width="64"><strong>#</strong></td>
<td style="text-align:center;width:230px;" width="286"><strong>CU Name</strong></td>
<td style="text-align:center;width:77px;" width="64"><strong>State</strong></td>
<td style="text-align:center;width:89px;" width="124"><strong>Total Assets</strong></td>
<td style="text-align:center;width:142px;" width="180"><strong>Total Members</strong></td>
<td style="text-align:center;width:165px;" width="209"><strong>Marketing Expense Per Member</strong></td>
<td style="text-align:center;width:166px;" width="64"><strong>URL</strong></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">1</td>
<td style="text-align:center;width:230px;">First Entertainment Credit Union</td>
<td style="text-align:center;width:77px;">CA</td>
<td style="text-align:center;width:89px;">1,753M</td>
<td style="text-align:center;width:142px;">88K</td>
<td style="text-align:center;width:165px;">$46.89</td>
<td style="text-align:center;width:166px;"><a href="http://www.firstent.org/">http://www.firstent.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">2</td>
<td style="text-align:center;width:230px;">Community Choice Credit Union</td>
<td style="text-align:center;width:77px;">IA</td>
<td style="text-align:center;width:89px;">631M</td>
<td style="text-align:center;width:142px;">49K</td>
<td style="text-align:center;width:165px;">$43.84</td>
<td style="text-align:center;width:166px;"><a href="http://comchoicecu.org/">http://comchoicecu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">3</td>
<td style="text-align:center;width:230px;">Evangelical Christian Credit Union</td>
<td style="text-align:center;width:77px;">CA</td>
<td style="text-align:center;width:89px;">733M</td>
<td style="text-align:center;width:142px;">15K</td>
<td style="text-align:center;width:165px;">$37.87</td>
<td style="text-align:center;width:166px;"><a href="http://www.eccu.org/">http://www.eccu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">4</td>
<td style="text-align:center;width:230px;">University Credit Union</td>
<td style="text-align:center;width:77px;">CA</td>
<td style="text-align:center;width:89px;">823M</td>
<td style="text-align:center;width:142px;">41K</td>
<td style="text-align:center;width:165px;">$36.37</td>
<td style="text-align:center;width:166px;"><a href="http://ucu.org/">http://ucu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">5</td>
<td style="text-align:center;width:230px;">City Of Boston Credit Union</td>
<td style="text-align:center;width:77px;">MA</td>
<td style="text-align:center;width:89px;">504M</td>
<td style="text-align:center;width:142px;">31K</td>
<td style="text-align:center;width:165px;">$30.58</td>
<td style="text-align:center;width:166px;"><a href="http://www.cityofbostoncu.com/">http://www.cityofbostoncu.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">6</td>
<td style="text-align:center;width:230px;">Esl Credit Union</td>
<td style="text-align:center;width:77px;">NY</td>
<td style="text-align:center;width:89px;">7,366M</td>
<td style="text-align:center;width:142px;">372K</td>
<td style="text-align:center;width:165px;">$28.72</td>
<td style="text-align:center;width:166px;"><a href="http://esl.org/">http://esl.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">7</td>
<td style="text-align:center;width:230px;">Fivepoint Credit Union</td>
<td style="text-align:center;width:77px;">TX</td>
<td style="text-align:center;width:89px;">744M</td>
<td style="text-align:center;width:142px;">48K</td>
<td style="text-align:center;width:165px;">$27.67</td>
<td style="text-align:center;width:166px;"><a href="http://www.5pointcu.org/">http://www.5pointcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">8</td>
<td style="text-align:center;width:230px;">Capital Credit Union</td>
<td style="text-align:center;width:77px;">ND</td>
<td style="text-align:center;width:89px;">596M</td>
<td style="text-align:center;width:142px;">30K</td>
<td style="text-align:center;width:165px;">$27.23</td>
<td style="text-align:center;width:166px;"><a href="http://capcu.org/">http://capcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">9</td>
<td style="text-align:center;width:230px;">Affinity Plus Credit Union</td>
<td style="text-align:center;width:77px;">MN</td>
<td style="text-align:center;width:89px;">2,885M</td>
<td style="text-align:center;width:142px;">214K</td>
<td style="text-align:center;width:165px;">$26.55</td>
<td style="text-align:center;width:166px;"><a href="http://www.affinityplus.org/">http://www.affinityplus.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">10</td>
<td style="text-align:center;width:230px;">Self Reliance Ny Credit Union</td>
<td style="text-align:center;width:77px;">NY</td>
<td style="text-align:center;width:89px;">1,414M</td>
<td style="text-align:center;width:142px;">15K</td>
<td style="text-align:center;width:165px;">$24.67</td>
<td style="text-align:center;width:166px;"><a href="http://www.selfrelianceny.org/">http://www.selfrelianceny.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">11</td>
<td style="text-align:center;width:230px;">Communityamerica Credit Union</td>
<td style="text-align:center;width:77px;">MO</td>
<td style="text-align:center;width:89px;">3,537M</td>
<td style="text-align:center;width:142px;">251K</td>
<td style="text-align:center;width:165px;">$23.87</td>
<td style="text-align:center;width:166px;"><a href="http://www.cacu.com/">http://www.cacu.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">12</td>
<td style="text-align:center;width:230px;">Greater Nevada Credit Union</td>
<td style="text-align:center;width:77px;">NV</td>
<td style="text-align:center;width:89px;">1,264M</td>
<td style="text-align:center;width:142px;">76K</td>
<td style="text-align:center;width:165px;">$22.36</td>
<td style="text-align:center;width:166px;"><a href="http://www.gncu.org/">http://www.gncu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">13</td>
<td style="text-align:center;width:230px;">121 Financial Credit Union</td>
<td style="text-align:center;width:77px;">FL</td>
<td style="text-align:center;width:89px;">588M</td>
<td style="text-align:center;width:142px;">46K</td>
<td style="text-align:center;width:165px;">$22.33</td>
<td style="text-align:center;width:166px;"><a href="http://www.121fcu.org/">http://www.121fcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">14</td>
<td style="text-align:center;width:230px;">Island Credit Union</td>
<td style="text-align:center;width:77px;">NY</td>
<td style="text-align:center;width:89px;">1,594M</td>
<td style="text-align:center;width:142px;">45K</td>
<td style="text-align:center;width:165px;">$22.29</td>
<td style="text-align:center;width:166px;"><a href="http://www.islandfcu.com/">http://www.islandfcu.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">15</td>
<td style="text-align:center;width:230px;">Verve, A Credit Union Credit Union</td>
<td style="text-align:center;width:77px;">WI</td>
<td style="text-align:center;width:89px;">1,409M</td>
<td style="text-align:center;width:142px;">66K</td>
<td style="text-align:center;width:165px;">$21.09</td>
<td style="text-align:center;width:166px;"><a href="https://www.verveacu.com/">https://www.verveacu.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">16</td>
<td style="text-align:center;width:230px;">Charlotte Metro Credit Union</td>
<td style="text-align:center;width:77px;">NC</td>
<td style="text-align:center;width:89px;">707M</td>
<td style="text-align:center;width:142px;">61K</td>
<td style="text-align:center;width:165px;">$21.07</td>
<td style="text-align:center;width:166px;"><a href="http://www.cmcu.org/">http://www.cmcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">17</td>
<td style="text-align:center;width:230px;">Silver State Schools Credit Union</td>
<td style="text-align:center;width:77px;">NV</td>
<td style="text-align:center;width:89px;">933M</td>
<td style="text-align:center;width:142px;">55K</td>
<td style="text-align:center;width:165px;">$20.65</td>
<td style="text-align:center;width:166px;"><a href="https://www.silverstatecu.com/">https://www.silverstatecu.com/</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">18</td>
<td style="text-align:center;width:230px;">Elga Credit Union</td>
<td style="text-align:center;width:77px;">MI</td>
<td style="text-align:center;width:89px;">966M</td>
<td style="text-align:center;width:142px;">75K</td>
<td style="text-align:center;width:165px;">$20.57</td>
<td style="text-align:center;width:166px;"><a href="http://www.elgacu.com/">http://www.elgacu.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">19</td>
<td style="text-align:center;width:230px;">Freedom Credit Union</td>
<td style="text-align:center;width:77px;">MA</td>
<td style="text-align:center;width:89px;">563M</td>
<td style="text-align:center;width:142px;">31K</td>
<td style="text-align:center;width:165px;">$19.32</td>
<td style="text-align:center;width:166px;"><a href="http://www.freedom.coop/">http://www.freedom.coop</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">20</td>
<td style="text-align:center;width:230px;">Inova Credit Union</td>
<td style="text-align:center;width:77px;">IN</td>
<td style="text-align:center;width:89px;">517M</td>
<td style="text-align:center;width:142px;">41K</td>
<td style="text-align:center;width:165px;">$19.27</td>
<td style="text-align:center;width:166px;"><a href="http://www.inovafcu.org/">http://www.inovafcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">21</td>
<td style="text-align:center;width:230px;">Community Financial Credit Union</td>
<td style="text-align:center;width:77px;">MI</td>
<td style="text-align:center;width:89px;">1,120M</td>
<td style="text-align:center;width:142px;">78K</td>
<td style="text-align:center;width:165px;">$19.21</td>
<td style="text-align:center;width:166px;"><a href="http://www.cfcu.org/">http://www.cfcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">22</td>
<td style="text-align:center;width:230px;">Texas Bay Credit Union</td>
<td style="text-align:center;width:77px;">TX</td>
<td style="text-align:center;width:89px;">546M</td>
<td style="text-align:center;width:142px;">47K</td>
<td style="text-align:center;width:165px;">$18.89</td>
<td style="text-align:center;width:166px;"><a href="http://www.tbacu.org/">http://www.tbacu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">23</td>
<td style="text-align:center;width:230px;">Greenstate Credit Union</td>
<td style="text-align:center;width:77px;">IA</td>
<td style="text-align:center;width:89px;">6,660M</td>
<td style="text-align:center;width:142px;">229K</td>
<td style="text-align:center;width:165px;">$18.05</td>
<td style="text-align:center;width:166px;"><a href="http://greenstate.org/">http://greenstate.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">24</td>
<td style="text-align:center;width:230px;">Du Trac Community Credit Union</td>
<td style="text-align:center;width:77px;">IA</td>
<td style="text-align:center;width:89px;">838M</td>
<td style="text-align:center;width:142px;">48K</td>
<td style="text-align:center;width:165px;">$17.75</td>
<td style="text-align:center;width:166px;"><a href="http://www.dutrac.org/">http://www.dutrac.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">25</td>
<td style="text-align:center;width:230px;">Elevations Credit Union</td>
<td style="text-align:center;width:77px;">CO</td>
<td style="text-align:center;width:89px;">2,471M</td>
<td style="text-align:center;width:142px;">146K</td>
<td style="text-align:center;width:165px;">$17.60</td>
<td style="text-align:center;width:166px;"><a href="http://www.elevationscu.com/">http://www.elevationscu.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">26</td>
<td style="text-align:center;width:230px;">Christian Community Credit Union</td>
<td style="text-align:center;width:77px;">CA</td>
<td style="text-align:center;width:89px;">760M</td>
<td style="text-align:center;width:142px;">31K</td>
<td style="text-align:center;width:165px;">$17.55</td>
<td style="text-align:center;width:166px;"><a href="https://www.mycccu.com/">https://www.mycccu.com/</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">27</td>
<td style="text-align:center;width:230px;">Stanford Credit Union</td>
<td style="text-align:center;width:77px;">CA</td>
<td style="text-align:center;width:89px;">3,297M</td>
<td style="text-align:center;width:142px;">74K</td>
<td style="text-align:center;width:165px;">$17.38</td>
<td style="text-align:center;width:166px;"><a href="https://www.sfcu.org/">https://www.sfcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">28</td>
<td style="text-align:center;width:230px;">Wescom Central Credit Union</td>
<td style="text-align:center;width:77px;">CA</td>
<td style="text-align:center;width:89px;">4,480M</td>
<td style="text-align:center;width:142px;">196K</td>
<td style="text-align:center;width:165px;">$16.88</td>
<td style="text-align:center;width:166px;"><a href="http://www.wescom.org/">http://www.wescom.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">29</td>
<td style="text-align:center;width:230px;">Community 1St Credit Union</td>
<td style="text-align:center;width:77px;">IA</td>
<td style="text-align:center;width:89px;">815M</td>
<td style="text-align:center;width:142px;">59K</td>
<td style="text-align:center;width:165px;">$16.42</td>
<td style="text-align:center;width:166px;"><a href="http://www.c1stcu.com/">http://www.c1stcu.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">30</td>
<td style="text-align:center;width:230px;">Premier Members Credit Union</td>
<td style="text-align:center;width:77px;">CO</td>
<td style="text-align:center;width:89px;">1,375M</td>
<td style="text-align:center;width:142px;">78K</td>
<td style="text-align:center;width:165px;">$16.42</td>
<td style="text-align:center;width:166px;"><a href="http://www.pmcu.org/">http://www.pmcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">31</td>
<td style="text-align:center;width:230px;">Oneaz Credit Union</td>
<td style="text-align:center;width:77px;">AZ</td>
<td style="text-align:center;width:89px;">2,416M</td>
<td style="text-align:center;width:142px;">145K</td>
<td style="text-align:center;width:165px;">$16.37</td>
<td style="text-align:center;width:166px;"><a href="https://www.oneazcu.com/">https://www.oneazcu.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">32</td>
<td style="text-align:center;width:230px;">United Heritage Credit Union</td>
<td style="text-align:center;width:77px;">TX</td>
<td style="text-align:center;width:89px;">1,165M</td>
<td style="text-align:center;width:142px;">68K</td>
<td style="text-align:center;width:165px;">$16.35</td>
<td style="text-align:center;width:166px;"><a href="http://www.uhcu.org/">http://www.uhcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">33</td>
<td style="text-align:center;width:230px;">Neches Credit Union</td>
<td style="text-align:center;width:77px;">TX</td>
<td style="text-align:center;width:89px;">730M</td>
<td style="text-align:center;width:142px;">66K</td>
<td style="text-align:center;width:165px;">$16.30</td>
<td style="text-align:center;width:166px;"><a href="http://www.nechesfcu.org/">http://www.nechesfcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">34</td>
<td style="text-align:center;width:230px;">Michigan State University Credit Union</td>
<td style="text-align:center;width:77px;">MI</td>
<td style="text-align:center;width:89px;">5,375M</td>
<td style="text-align:center;width:142px;">293K</td>
<td style="text-align:center;width:165px;">$16.09</td>
<td style="text-align:center;width:166px;"><a href="http://www.msufcu.org/">http://www.msufcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">35</td>
<td style="text-align:center;width:230px;">Westmark Credit Union</td>
<td style="text-align:center;width:77px;">ID</td>
<td style="text-align:center;width:89px;">931M</td>
<td style="text-align:center;width:142px;">63K</td>
<td style="text-align:center;width:165px;">$15.98</td>
<td style="text-align:center;width:166px;"><a href="http://www.westmark.org/">http://www.westmark.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">36</td>
<td style="text-align:center;width:230px;">Granite Credit Union</td>
<td style="text-align:center;width:77px;">UT</td>
<td style="text-align:center;width:89px;">606M</td>
<td style="text-align:center;width:142px;">29K</td>
<td style="text-align:center;width:165px;">$15.97</td>
<td style="text-align:center;width:166px;"><a href="http://www.granite.org/">http://www.granite.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">37</td>
<td style="text-align:center;width:230px;">Ent Credit Union</td>
<td style="text-align:center;width:77px;">CO</td>
<td style="text-align:center;width:89px;">6,916M</td>
<td style="text-align:center;width:142px;">389K</td>
<td style="text-align:center;width:165px;">$15.95</td>
<td style="text-align:center;width:166px;"><a href="http://www.ent.com/">http://www.ent.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">38</td>
<td style="text-align:center;width:230px;">Credit Union 1</td>
<td style="text-align:center;width:77px;">IL</td>
<td style="text-align:center;width:89px;">1,115M</td>
<td style="text-align:center;width:142px;">87K</td>
<td style="text-align:center;width:165px;">$15.70</td>
<td style="text-align:center;width:166px;"><a href="https://www.creditunion1.org/">https://www.creditunion1.org/</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">39</td>
<td style="text-align:center;width:230px;">Salal Credit Union</td>
<td style="text-align:center;width:77px;">WA</td>
<td style="text-align:center;width:89px;">912M</td>
<td style="text-align:center;width:142px;">45K</td>
<td style="text-align:center;width:165px;">$15.44</td>
<td style="text-align:center;width:166px;"><a href="http://www.salalcu.org/">http://www.salalcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">40</td>
<td style="text-align:center;width:230px;">United States Senate Credit Union</td>
<td style="text-align:center;width:77px;">VA</td>
<td style="text-align:center;width:89px;">1,094M</td>
<td style="text-align:center;width:142px;">41K</td>
<td style="text-align:center;width:165px;">$15.37</td>
<td style="text-align:center;width:166px;"><a href="https://www.ussfcu.org/">https://www.ussfcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">41</td>
<td style="text-align:center;width:230px;">Ithink Financial Credit Union</td>
<td style="text-align:center;width:77px;">FL</td>
<td style="text-align:center;width:89px;">1,687M</td>
<td style="text-align:center;width:142px;">94K</td>
<td style="text-align:center;width:165px;">$15.35</td>
<td style="text-align:center;width:166px;"><a href="http://ithinkfi.org/">http://ithinkfi.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">42</td>
<td style="text-align:center;width:230px;">Greater Texas Credit Union</td>
<td style="text-align:center;width:77px;">TX</td>
<td style="text-align:center;width:89px;">772M</td>
<td style="text-align:center;width:142px;">71K</td>
<td style="text-align:center;width:165px;">$15.34</td>
<td style="text-align:center;width:166px;"><a href="http://www.gtfcu.org/">http://www.gtfcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">43</td>
<td style="text-align:center;width:230px;">Suffolk Credit Union</td>
<td style="text-align:center;width:77px;">NY</td>
<td style="text-align:center;width:89px;">1,339M</td>
<td style="text-align:center;width:142px;">62K</td>
<td style="text-align:center;width:165px;">$15.24</td>
<td style="text-align:center;width:166px;"><a href="http://www.suffolkfcu.org/">http://www.suffolkfcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">44</td>
<td style="text-align:center;width:230px;">Utah First Credit Union</td>
<td style="text-align:center;width:77px;">UT</td>
<td style="text-align:center;width:89px;">601M</td>
<td style="text-align:center;width:142px;">25K</td>
<td style="text-align:center;width:165px;">$15.24</td>
<td style="text-align:center;width:166px;"><a href="http://www.utahfirst.com/">http://www.utahfirst.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">45</td>
<td style="text-align:center;width:230px;">Dupaco Community Credit Union</td>
<td style="text-align:center;width:77px;">IA</td>
<td style="text-align:center;width:89px;">2,146M</td>
<td style="text-align:center;width:142px;">131K</td>
<td style="text-align:center;width:165px;">$15.22</td>
<td style="text-align:center;width:166px;"><a href="http://www.dupaco.com/">http://www.dupaco.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">46</td>
<td style="text-align:center;width:230px;">Navigant Credit Union</td>
<td style="text-align:center;width:77px;">RI</td>
<td style="text-align:center;width:89px;">2,671M</td>
<td style="text-align:center;width:142px;">106K</td>
<td style="text-align:center;width:165px;">$15.12</td>
<td style="text-align:center;width:166px;"><a href="http://www.navigantcu.org/">http://www.navigantcu.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">47</td>
<td style="text-align:center;width:230px;">Founders Credit Union</td>
<td style="text-align:center;width:77px;">SC</td>
<td style="text-align:center;width:89px;">2,957M</td>
<td style="text-align:center;width:142px;">226K</td>
<td style="text-align:center;width:165px;">$14.99</td>
<td style="text-align:center;width:166px;"><a href="https://www.foundersfcu.com/">https://www.foundersfcu.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">48</td>
<td style="text-align:center;width:230px;">San Diego County Credit Union</td>
<td style="text-align:center;width:77px;">CA</td>
<td style="text-align:center;width:89px;">9,284M</td>
<td style="text-align:center;width:142px;">423K</td>
<td style="text-align:center;width:165px;">$14.95</td>
<td style="text-align:center;width:166px;"><a href="http://www.sdccu.com/">http://www.sdccu.com</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">49</td>
<td style="text-align:center;width:230px;">Commonwealth Credit Union</td>
<td style="text-align:center;width:77px;">KY</td>
<td style="text-align:center;width:89px;">1,552M</td>
<td style="text-align:center;width:142px;">108K</td>
<td style="text-align:center;width:165px;">$14.91</td>
<td style="text-align:center;width:166px;"><a href="http://www.ccuky.org/">http://www.ccuky.org</a></td>
</tr>
<tr>
<td style="text-align:center;width:54px;">50</td>
<td style="text-align:center;width:230px;">Provident Credit Union</td>
<td style="text-align:center;width:77px;">CA</td>
<td style="text-align:center;width:89px;">3,097M</td>
<td style="text-align:center;width:142px;">125K</td>
<td style="text-align:center;width:165px;">$14.90</td>
<td style="text-align:center;width:166px;"><a href="http://providentcu.org/">http://providentcu.org</a></td>
</tr>
</tbody>
</table>
<span class="x_1965692200font"><span class="x_1965692200size"><br /></span></span></div>
<div><strong><span class="x_1965692200font"><span class="x_1965692200size">It would be interesting to understand </span></span><span class="x_1965692200font"><span class="x_1965692200size">what these credit unions are doing when they are spending on their marketing.</span></span><span class="x_1965692200font"><span class="x_1965692200size"> And what can these credit unions work towards, to bring down their marketing expense per member. </span></span></strong><span class="x_1965692200font"><span class="x_1965692200size"><br /></span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size"> </span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size">While creating this list, of course, there were some <strong>Assumptions and Limitations</strong> as below that we took into consideration. </span><span class="x_1965692200size"><br /></span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size"> </span></span></div>
<div><strong><u><span class="x_1965692200font"><span class="x_1965692200size">Assumptions and Limitations</span></span></u></strong><span class="x_1965692200font"><span class="x_1965692200size"><br /></span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size">1. Call 5300 report does not provide details on how the marketing expense was made. How much was made for traditional media (TV, Radio, Newspaper, Magazines, Billboards, etc.) vs digital media (Search, Social, Banner, etc.)</span><span class="x_1965692200size"><br /></span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size">2. What all expenses are part of the promotional and educational expense as reported on Call 5300 report may differ from credit to credit union.</span><span class="x_1965692200size"><br /></span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size">3. Investment in marketing technology and marketing team compensation may not be reported as part of the Educational and Promotional expense in Call 5300 report. Therefore it is difficult to do an apple to apple comparison between peer credit unions</span><span class="x_1965692200size"><br /></span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size"> </span></span></div>
<div><span class="x_1965692200font"><span class="x_1965692200size">We would be excited to know what you think about this? </span></span></div></div>Significant Measures Towards New Normalhttps://culytics.com/blogs/significant-measures-towards-new-normal2020-11-19T14:35:10.000Z2020-11-19T14:35:10.000ZMedhavi Singlahttps://culytics.com/members/MedhaviSingla<div><p><a href="{{#staticFileLink}}8195304861,original{{/staticFileLink}}"><img class="align-center" src="{{#staticFileLink}}8195304861,RESIZE_710x{{/staticFileLink}}" width="710" alt="8195304861?profile=RESIZE_710x" /></a></p>
<p>Continuous support to members and communities is in the DNA of Credit Unions. Now, as the economy is beginning to re-open, Credit Unions are reimagining their strategic plans and operations to face the New Normal of life during and post-pandemic. The actions taken by Credit Unions will have a significant impact on businesses, consumers, members, and the economy overall.</p>
<p>So, to help the Credit Union leader, a webinar was organized by CULytics to provide the measures that credit unions are taking towards transforming their channel strategies to better serve their members and to improve the experience to build and maintain never-ending relationships.</p>
<p>This article provides insights from the webinar, where leaders from progressive credit unions like - <strong>Laura Wallace, VP of Customer Care at Alliant Credit Union, Maha Brauch, Director of Digital Services at Affinity Plus Credit Union and Colin Boone, VP of Digital Experience at Royal Credit Union</strong>, shared their strategies, experiences, and future planning to serve their members the best.</p>
<p>The followings are the highlights of the session:</p>
<ul>
<li><strong>Seamless Solutions:</strong> Prior to the pandemic, consumers can easily visit the branch if were facing any issue related to the services provided to them. Due to the Pandemic, things have been shifted online. Thus, it becomes a responsibility to ensure that payments, transactions, and other money-related operations can be executed with ease.</li>
<li><strong>Consumer Behavior:</strong> Keep an eye on consumer behavior and notice the change in behavior to strategize your operations accordingly. Predicting consumer behavior and taking steps to ensure the best possible outcomes will be helpful to meet the needs of the consumers, communities, organizations, and the economy as a whole.</li>
<li><strong>Business Continuity</strong>: Before, businesses were operating through physical branches and providing online services as per the convenience of the consumers. Now, things are more online as physical interaction is not possible. Investing in digital technologies is the need of the hour but when a new consumer comes to your organization, the preferences would be to done things in a face-to-face manner. So, to fulfill this requirement, Credit Unions are adopting video conferencing, chatbots, and other similar modes for ease of communication.</li>
<li><strong>Trim Your Costs</strong>: It is good to separate the “must-have” expenditures from the “nice-to-have”. Try to bring in some marketing functions and make smart investments to improve mobile and phone support services. It might increase the technology cost but operational costs will reduce in the long term.</li>
<li><strong>Adaptability</strong>: To serve the requirements of the consumers and members, Credit Unions have adopted video conferencing and other digital technologies. Consumers are taking online banking services including digital lending platforms as visiting branches is not that easy. And, when the economy will reopen and quarantine will be over, the convenience of these technologies will not abandon; so investing in technology is a wise decision.</li>
</ul>
<p>These are unprecedented times, and many would be looking for the right guidance. Credit Unions have an opportunity to provide that leadership & support and can be a trusted ally through this tough time.</p>
<p>Follow this <a href="https://culytics.com/articles/webinar-channel-transformation" target="_blank">link</a> for the complete webinar video.</p>
<p>Other similar transformation sessions from CULytics Workshops, Webinars and Summits are available as part of CULytics Membership.</p></div>Top 50 Credit unions with Highest and Lowest Loan Grants per Member as of June 2020https://culytics.com/blogs/cus-with-highest-and-lowest-loan-grants-per-member-june-20202020-10-27T10:41:52.000Z2020-10-27T10:41:52.000ZMedhavi Singlahttps://culytics.com/members/MedhaviSingla<div><div>How many loans does your credit union grants to a member is a good measure of the depth of member engagement? Of course knowing that marketing has a limited role to play for indirect loans.</div>
<div> </div>
<div>Here is the list of <strong>Top 50 Credit Unions with the highest and lowest loan granted per member</strong>. The data is calculated by dividing the <strong>Total Number of Loans and Leases of a credit union for June 2020 by the Total Number of Members for June 2020 as per the NCUA 5300 Call Report.</strong></div>
<div> </div>
<div>A credit union with the highest loan grants per member might mean that these credit unions are successfully able to drive deeper engagements with their members. It might also mean that they have developed good and trustworthy relations with their members that the members are more than happy to give the credit union more of their business. What are you doing that is leading to deep engagements with the members?</div>
<div> </div>
<div> </div>
<div>
<table style="width:926px;height:851px;" width="668">
<tbody>
<tr style="height:48px;">
<td style="text-align:center;width:63px;height:48px;" width="64"><strong>S.No.</strong></td>
<td style="text-align:center;width:250px;height:48px;" width="188"><strong>Credit Union Name</strong></td>
<td style="text-align:center;width:72px;height:48px;" width="63"><strong>State</strong></td>
<td style="text-align:center;width:85px;height:48px;" width="97"><strong>Total Assets</strong></td>
<td style="text-align:center;width:100px;height:48px;" width="102"><strong>Total Members</strong></td>
<td style="text-align:center;width:91px;height:48px;" width="90"><strong>Loans Granted Per Member </strong></td>
<td style="text-align:center;width:265px;height:48px;" width="64"><strong>URL</strong></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">1</td>
<td style="text-align:center;width:250px;height:16px;">Arbor Financial Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">MI</td>
<td style="text-align:center;width:85px;height:16px;">788M</td>
<td style="text-align:center;width:100px;height:16px;">43K</td>
<td style="text-align:center;width:91px;height:16px;">5.4158</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.arborfcu.org/">http://www.arborfcu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">2</td>
<td style="text-align:center;width:250px;height:16px;">Gulf Winds Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">FL</td>
<td style="text-align:center;width:85px;height:16px;">840M</td>
<td style="text-align:center;width:100px;height:16px;">73K</td>
<td style="text-align:center;width:91px;height:16px;">3.1546</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.gogulfwinds.com/">http://www.gogulfwinds.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">3</td>
<td style="text-align:center;width:250px;height:16px;">Legacy Community Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">AL</td>
<td style="text-align:center;width:85px;height:16px;">541M</td>
<td style="text-align:center;width:100px;height:16px;">40K</td>
<td style="text-align:center;width:91px;height:16px;">1.5810</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.legacycreditunion.com/">http://www.legacycreditunion.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">4</td>
<td style="text-align:center;width:250px;height:16px;">Foothill Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">CA</td>
<td style="text-align:center;width:85px;height:16px;">566M</td>
<td style="text-align:center;width:100px;height:16px;">29K</td>
<td style="text-align:center;width:91px;height:16px;">0.4078</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.foothillcu.org/">http://www.foothillcu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">5</td>
<td style="text-align:center;width:250px;height:16px;">Five Star Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">AL</td>
<td style="text-align:center;width:85px;height:16px;">533M</td>
<td style="text-align:center;width:100px;height:16px;">48K</td>
<td style="text-align:center;width:91px;height:16px;">0.3715</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.fivestarcu.com/">http://www.fivestarcu.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">6</td>
<td style="text-align:center;width:250px;height:16px;">Interra Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">IN</td>
<td style="text-align:center;width:85px;height:16px;">1,308M</td>
<td style="text-align:center;width:100px;height:16px;">84K</td>
<td style="text-align:center;width:91px;height:16px;">0.2990</td>
<td style="text-align:center;width:265px;height:16px;"><a href="https://www.interracu.com/">https://www.interracu.com/</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">7</td>
<td style="text-align:center;width:250px;height:16px;">Abbott Laboratories Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">IL</td>
<td style="text-align:center;width:85px;height:16px;">913M</td>
<td style="text-align:center;width:100px;height:16px;">30K</td>
<td style="text-align:center;width:91px;height:16px;">0.2958</td>
<td style="text-align:center;width:265px;height:16px;"><a href="https://www.alecu.org/">https://www.alecu.org/</a></td>
</tr>
<tr style="height:18px;">
<td style="text-align:center;width:63px;height:18px;">8</td>
<td style="text-align:center;width:250px;height:18px;">First Commerce Credit Union</td>
<td style="text-align:center;width:72px;height:18px;">FL</td>
<td style="text-align:center;width:85px;height:18px;">920M</td>
<td style="text-align:center;width:100px;height:18px;">64K</td>
<td style="text-align:center;width:91px;height:18px;">0.2637</td>
<td style="text-align:center;width:265px;height:18px;"><a href="http://www.firstcommercecu.org/">http://www.firstcommercecu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">9</td>
<td style="text-align:center;width:250px;height:16px;">Capital Communications Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">NY</td>
<td style="text-align:center;width:85px;height:16px;">2,150M</td>
<td style="text-align:center;width:100px;height:16px;">139K</td>
<td style="text-align:center;width:91px;height:16px;">0.2571</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.capcomfcu.org/">http://www.capcomfcu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">10</td>
<td style="text-align:center;width:250px;height:16px;">Team One Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">MI</td>
<td style="text-align:center;width:85px;height:16px;">647M</td>
<td style="text-align:center;width:100px;height:16px;">50K</td>
<td style="text-align:center;width:91px;height:16px;">0.2481</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.teamonecu.org/">http://www.teamonecu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">11</td>
<td style="text-align:center;width:250px;height:16px;">Dort Financial Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">MI</td>
<td style="text-align:center;width:85px;height:16px;">1,188M</td>
<td style="text-align:center;width:100px;height:16px;">94K</td>
<td style="text-align:center;width:91px;height:16px;">0.1949</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://dortonline.org/">http://dortonline.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">12</td>
<td style="text-align:center;width:250px;height:16px;">Citadel Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">PA</td>
<td style="text-align:center;width:85px;height:16px;">4,258M</td>
<td style="text-align:center;width:100px;height:16px;">216K</td>
<td style="text-align:center;width:91px;height:16px;">0.1919</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.citadelbanking.com/">http://www.citadelbanking.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">13</td>
<td style="text-align:center;width:250px;height:16px;">Summit Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">WI</td>
<td style="text-align:center;width:85px;height:16px;">4,236M</td>
<td style="text-align:center;width:100px;height:16px;">203K</td>
<td style="text-align:center;width:91px;height:16px;">0.1840</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.summitcreditunion.com/">http://www.summitcreditunion.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">14</td>
<td style="text-align:center;width:250px;height:16px;">Envision Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">FL</td>
<td style="text-align:center;width:85px;height:16px;">693M</td>
<td style="text-align:center;width:100px;height:16px;">56K</td>
<td style="text-align:center;width:91px;height:16px;">0.1553</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.envisioncu.com/">http://www.envisioncu.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">15</td>
<td style="text-align:center;width:250px;height:16px;">Greater Texas Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">TX</td>
<td style="text-align:center;width:85px;height:16px;">772M</td>
<td style="text-align:center;width:100px;height:16px;">71K</td>
<td style="text-align:center;width:91px;height:16px;">0.1339</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.gtfcu.org/">http://www.gtfcu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">16</td>
<td style="text-align:center;width:250px;height:16px;">Washington State Employees Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">WA</td>
<td style="text-align:center;width:85px;height:16px;">3,740M</td>
<td style="text-align:center;width:100px;height:16px;">283K</td>
<td style="text-align:center;width:91px;height:16px;">0.1280</td>
<td style="text-align:center;width:265px;height:16px;"><a href="https://wsecu.org/">https://wsecu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">17</td>
<td style="text-align:center;width:250px;height:16px;">Sunmark Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">NY</td>
<td style="text-align:center;width:85px;height:16px;">806M</td>
<td style="text-align:center;width:100px;height:16px;">64K</td>
<td style="text-align:center;width:91px;height:16px;">0.1258</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.sunmarkfcu.org/">http://www.sunmarkfcu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">18</td>
<td style="text-align:center;width:250px;height:16px;">Greater Nevada Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">NV</td>
<td style="text-align:center;width:85px;height:16px;">1,264M</td>
<td style="text-align:center;width:100px;height:16px;">76K</td>
<td style="text-align:center;width:91px;height:16px;">0.1240</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.gncu.org/">http://www.gncu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">19</td>
<td style="text-align:center;width:250px;height:16px;">Texas Dow Employees Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">TX</td>
<td style="text-align:center;width:85px;height:16px;">3,962M</td>
<td style="text-align:center;width:100px;height:16px;">341K</td>
<td style="text-align:center;width:91px;height:16px;">0.1214</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.tdecu.org/">http://www.tdecu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">20</td>
<td style="text-align:center;width:250px;height:16px;">Town And Country Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">ND</td>
<td style="text-align:center;width:85px;height:16px;">540M</td>
<td style="text-align:center;width:100px;height:16px;">22K</td>
<td style="text-align:center;width:91px;height:16px;">0.1192</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.townandcountry.org/">http://www.townandcountry.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">21</td>
<td style="text-align:center;width:250px;height:16px;">Utah First Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">UT</td>
<td style="text-align:center;width:85px;height:16px;">601M</td>
<td style="text-align:center;width:100px;height:16px;">25K</td>
<td style="text-align:center;width:91px;height:16px;">0.1175</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.utahfirst.com/">http://www.utahfirst.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">22</td>
<td style="text-align:center;width:250px;height:16px;">Credit Union 1 Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">IL</td>
<td style="text-align:center;width:85px;height:16px;">1,115M</td>
<td style="text-align:center;width:100px;height:16px;">87K</td>
<td style="text-align:center;width:91px;height:16px;">0.1174</td>
<td style="text-align:center;width:265px;height:16px;"><a href="https://www.creditunion1.org/">https://www.creditunion1.org/</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">23</td>
<td style="text-align:center;width:250px;height:16px;">Franklin Mint Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">PA</td>
<td style="text-align:center;width:85px;height:16px;">1,372M</td>
<td style="text-align:center;width:100px;height:16px;">113K</td>
<td style="text-align:center;width:91px;height:16px;">0.1136</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.fmfcu.org/">http://www.fmfcu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">24</td>
<td style="text-align:center;width:250px;height:16px;">Atlanta Postal Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">GA</td>
<td style="text-align:center;width:85px;height:16px;">2,290M</td>
<td style="text-align:center;width:100px;height:16px;">100K</td>
<td style="text-align:center;width:91px;height:16px;">0.1111</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.apcu.com/">http://www.apcu.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">25</td>
<td style="text-align:center;width:250px;height:16px;">Deere Employees Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">IL</td>
<td style="text-align:center;width:85px;height:16px;">1,218M</td>
<td style="text-align:center;width:100px;height:16px;">41K</td>
<td style="text-align:center;width:91px;height:16px;">0.1079</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.deereemployeescu.com/">http://www.deereemployeescu.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">26</td>
<td style="text-align:center;width:250px;height:16px;">EECU</td>
<td style="text-align:center;width:72px;height:16px;">TX</td>
<td style="text-align:center;width:85px;height:16px;">2,753M</td>
<td style="text-align:center;width:100px;height:16px;">225K</td>
<td style="text-align:center;width:91px;height:16px;">0.1065</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.eecu.org/">http://www.eecu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">27</td>
<td style="text-align:center;width:250px;height:16px;">Directions Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">OH</td>
<td style="text-align:center;width:85px;height:16px;">1,021M</td>
<td style="text-align:center;width:100px;height:16px;">105K</td>
<td style="text-align:center;width:91px;height:16px;">0.1037</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.directionscu.org/">http://www.directionscu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">28</td>
<td style="text-align:center;width:250px;height:16px;">Michigan Educational Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">MI</td>
<td style="text-align:center;width:85px;height:16px;">957M</td>
<td style="text-align:center;width:100px;height:16px;">52K</td>
<td style="text-align:center;width:91px;height:16px;">0.1036</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.michedcu.org/">http://www.michedcu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">29</td>
<td style="text-align:center;width:250px;height:16px;">America'S Credit Union, A Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">WA</td>
<td style="text-align:center;width:85px;height:16px;">618M</td>
<td style="text-align:center;width:100px;height:16px;">41K</td>
<td style="text-align:center;width:91px;height:16px;">0.1006</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.youracu.org/">http://www.youracu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">30</td>
<td style="text-align:center;width:250px;height:16px;">Reliant Community Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">NY</td>
<td style="text-align:center;width:85px;height:16px;">544M</td>
<td style="text-align:center;width:100px;height:16px;">42K</td>
<td style="text-align:center;width:91px;height:16px;">0.1006</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://reliantcu.com/">http://reliantcu.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">31</td>
<td style="text-align:center;width:250px;height:16px;">Vantage Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">MO</td>
<td style="text-align:center;width:85px;height:16px;">987M</td>
<td style="text-align:center;width:100px;height:16px;">77K</td>
<td style="text-align:center;width:91px;height:16px;">0.0999</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.vcu.com/">http://www.vcu.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">32</td>
<td style="text-align:center;width:250px;height:16px;">Brazos Valley Schools Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">TX</td>
<td style="text-align:center;width:85px;height:16px;">856M</td>
<td style="text-align:center;width:100px;height:16px;">56K</td>
<td style="text-align:center;width:91px;height:16px;">0.0968</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.bvscu.org/">http://www.bvscu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">33</td>
<td style="text-align:center;width:250px;height:16px;">Inova Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">IN</td>
<td style="text-align:center;width:85px;height:16px;">517M</td>
<td style="text-align:center;width:100px;height:16px;">41K</td>
<td style="text-align:center;width:91px;height:16px;">0.0961</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.inovafcu.org/">http://www.inovafcu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">34</td>
<td style="text-align:center;width:250px;height:16px;">Knoxville Tva Employees Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">TN</td>
<td style="text-align:center;width:85px;height:16px;">2,767M</td>
<td style="text-align:center;width:100px;height:16px;">222K</td>
<td style="text-align:center;width:91px;height:16px;">0.0949</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.tvacreditunion.com/">http://www.tvacreditunion.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">35</td>
<td style="text-align:center;width:250px;height:16px;">Red River Employees Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">TX</td>
<td style="text-align:center;width:85px;height:16px;">1,094M</td>
<td style="text-align:center;width:100px;height:16px;">113K</td>
<td style="text-align:center;width:91px;height:16px;">0.0936</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.rrfcu.com/">http://www.rrfcu.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">36</td>
<td style="text-align:center;width:250px;height:16px;">American First Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">CA</td>
<td style="text-align:center;width:85px;height:16px;">831M</td>
<td style="text-align:center;width:100px;height:16px;">39K</td>
<td style="text-align:center;width:91px;height:16px;">0.0904</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://amerfirst.org/">http://amerfirst.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">37</td>
<td style="text-align:center;width:250px;height:16px;">Capital Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">ND</td>
<td style="text-align:center;width:85px;height:16px;">596M</td>
<td style="text-align:center;width:100px;height:16px;">30K</td>
<td style="text-align:center;width:91px;height:16px;">0.0876</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://capcu.org/">http://capcu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">38</td>
<td style="text-align:center;width:250px;height:16px;">Greenstate Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">IA</td>
<td style="text-align:center;width:85px;height:16px;">6,660M</td>
<td style="text-align:center;width:100px;height:16px;">229K</td>
<td style="text-align:center;width:91px;height:16px;">0.0874</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://greenstate.org/">http://greenstate.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">39</td>
<td style="text-align:center;width:250px;height:16px;">Advia Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">MI</td>
<td style="text-align:center;width:85px;height:16px;">2,383M</td>
<td style="text-align:center;width:100px;height:16px;">176K</td>
<td style="text-align:center;width:91px;height:16px;">0.0871</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.adviacu.org/">http://www.adviacu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">40</td>
<td style="text-align:center;width:250px;height:16px;">Marine Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">WI</td>
<td style="text-align:center;width:85px;height:16px;">974M</td>
<td style="text-align:center;width:100px;height:16px;">78K</td>
<td style="text-align:center;width:91px;height:16px;">0.0850</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://marinecu.com/">http://marinecu.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">41</td>
<td style="text-align:center;width:250px;height:16px;">Twinstar Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">WA</td>
<td style="text-align:center;width:85px;height:16px;">1,690M</td>
<td style="text-align:center;width:100px;height:16px;">134K</td>
<td style="text-align:center;width:91px;height:16px;">0.0829</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.twinstarcu.com/">http://www.twinstarcu.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">42</td>
<td style="text-align:center;width:250px;height:16px;">Founders Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">SC</td>
<td style="text-align:center;width:85px;height:16px;">2,957M</td>
<td style="text-align:center;width:100px;height:16px;">226K</td>
<td style="text-align:center;width:91px;height:16px;">0.0829</td>
<td style="text-align:center;width:265px;height:16px;"><a href="https://www.foundersfcu.com/">https://www.foundersfcu.com</a></td>
</tr>
<tr style="height:17px;">
<td style="text-align:center;width:63px;height:17px;">43</td>
<td style="text-align:center;width:250px;height:17px;">University Of Va Community Credit Union</td>
<td style="text-align:center;width:72px;height:17px;">VA</td>
<td style="text-align:center;width:85px;height:17px;">1,134M</td>
<td style="text-align:center;width:100px;height:17px;">71K</td>
<td style="text-align:center;width:91px;height:17px;">0.0820</td>
<td style="text-align:center;width:265px;height:17px;"><a href="http://www.uvacreditunion.org/">http://www.uvacreditunion.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">44</td>
<td style="text-align:center;width:250px;height:16px;">Fort Worth Community Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">TX</td>
<td style="text-align:center;width:85px;height:16px;">1,072M</td>
<td style="text-align:center;width:100px;height:16px;">85K</td>
<td style="text-align:center;width:91px;height:16px;">0.0812</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.ftwccu.org/">http://www.ftwccu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">45</td>
<td style="text-align:center;width:250px;height:16px;">Eastman Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">TN</td>
<td style="text-align:center;width:85px;height:16px;">5,677M</td>
<td style="text-align:center;width:100px;height:16px;">251K</td>
<td style="text-align:center;width:91px;height:16px;">0.0809</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.ecu.org/">http://www.ecu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">46</td>
<td style="text-align:center;width:250px;height:16px;">Veridian Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">IA</td>
<td style="text-align:center;width:85px;height:16px;">4,789M</td>
<td style="text-align:center;width:100px;height:16px;">247K</td>
<td style="text-align:center;width:91px;height:16px;">0.0799</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://veridiancu.org/">http://veridiancu.org</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">47</td>
<td style="text-align:center;width:250px;height:16px;">Mountain America Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">UT</td>
<td style="text-align:center;width:85px;height:16px;">10,994M</td>
<td style="text-align:center;width:100px;height:16px;">916K</td>
<td style="text-align:center;width:91px;height:16px;">0.0783</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.macu.com/">http://www.macu.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">48</td>
<td style="text-align:center;width:250px;height:16px;">America First Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">UT</td>
<td style="text-align:center;width:85px;height:16px;">13,403M</td>
<td style="text-align:center;width:100px;height:16px;">1,130K</td>
<td style="text-align:center;width:91px;height:16px;">0.0777</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://www.americafirst.com/">http://www.americafirst.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">49</td>
<td style="text-align:center;width:250px;height:16px;">Bayer Heritage Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">WV</td>
<td style="text-align:center;width:85px;height:16px;">556M</td>
<td style="text-align:center;width:100px;height:16px;">35K</td>
<td style="text-align:center;width:91px;height:16px;">0.0774</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://bayerhfcu.com/">http://bayerhfcu.com</a></td>
</tr>
<tr style="height:16px;">
<td style="text-align:center;width:63px;height:16px;">50</td>
<td style="text-align:center;width:250px;height:16px;">Westby Co-Op Credit Union</td>
<td style="text-align:center;width:72px;height:16px;">WI</td>
<td style="text-align:center;width:85px;height:16px;">623M</td>
<td style="text-align:center;width:100px;height:16px;">36K</td>
<td style="text-align:center;width:91px;height:16px;">0.0771</td>
<td style="text-align:center;width:265px;height:16px;"><a href="http://wccucreditunion.coop/">http://wccucreditunion.coop</a></td>
</tr>
</tbody>
</table>
</div>
<div> </div>
<div>On the contrary, the credit unions that come under the category of having the lowest loan granted per member might mean that these credit unions have an opportunity to deepen their relationship with their members. What are you doing to deepen the engagements? Where do you see the most challenges in the lending lifecycle from a member's perspective?</div>
<div> </div>
<div>
<table style="width:935px;" width="449">
<tbody>
<tr>
<td style="width:63px;text-align:center;" width="73"><strong>S.No. </strong></td>
<td style="width:239px;text-align:center;" width="77"><strong>Credit Union Name</strong></td>
<td style="width:90px;text-align:center;" width="43"><strong>State</strong></td>
<td style="width:93px;text-align:center;" width="64"><strong>Total Assets</strong></td>
<td style="width:86px;text-align:center;" width="64"><strong>Total Members</strong></td>
<td style="width:112px;text-align:center;" width="64"><strong>Loans Granted Per Member </strong></td>
<td style="width:252px;text-align:center;" width="64"><strong>URL</strong></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">1</td>
<td style="width:239px;text-align:center;">Generations Community Credit Union</td>
<td style="width:90px;text-align:center;">TX</td>
<td style="width:93px;text-align:center;">620M</td>
<td style="width:86px;text-align:center;">48K</td>
<td style="width:112px;text-align:center;">-0.1742</td>
<td style="width:252px;text-align:center;"><a href="http://www.mygenfcu.org/">http://www.mygenfcu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">2</td>
<td style="width:239px;text-align:center;">Lafayette Credit Union</td>
<td style="width:90px;text-align:center;">MD</td>
<td style="width:93px;text-align:center;">817M</td>
<td style="width:86px;text-align:center;">26K</td>
<td style="width:112px;text-align:center;">-0.0856</td>
<td style="width:252px;text-align:center;"><a href="http://www.lfcu.org/">http://www.lfcu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">3</td>
<td style="width:239px;text-align:center;">Virginia Credit Union, Inc., Credit Union</td>
<td style="width:90px;text-align:center;">VA</td>
<td style="width:93px;text-align:center;">4,286M</td>
<td style="width:86px;text-align:center;">308K</td>
<td style="width:112px;text-align:center;">-0.0107</td>
<td style="width:252px;text-align:center;"><a href="http://www.vacu.org/">http://www.vacu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">4</td>
<td style="width:239px;text-align:center;">Farmers Insurance Group Credit Union</td>
<td style="width:90px;text-align:center;">CA</td>
<td style="width:93px;text-align:center;">1,228M</td>
<td style="width:86px;text-align:center;">56K</td>
<td style="width:112px;text-align:center;">0.0000</td>
<td style="width:252px;text-align:center;"><a href="http://www.figfcu.com/">http://www.figfcu.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">5</td>
<td style="width:239px;text-align:center;">Evangelical Christian Credit Union</td>
<td style="width:90px;text-align:center;">CA</td>
<td style="width:93px;text-align:center;">733M</td>
<td style="width:86px;text-align:center;">15K</td>
<td style="width:112px;text-align:center;">0.0009</td>
<td style="width:252px;text-align:center;"><a href="http://www.eccu.org/">http://www.eccu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">6</td>
<td style="width:239px;text-align:center;">Jovia Financial Credit Union</td>
<td style="width:90px;text-align:center;">NY</td>
<td style="width:93px;text-align:center;">3,737M</td>
<td style="width:86px;text-align:center;">196K</td>
<td style="width:112px;text-align:center;">0.0020</td>
<td style="width:252px;text-align:center;"><a href="http://www.joviafinancial.com/">http://www.joviafinancial.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">7</td>
<td style="width:239px;text-align:center;">Johns Hopkins Credit Union</td>
<td style="width:90px;text-align:center;">MD</td>
<td style="width:93px;text-align:center;">530M</td>
<td style="width:86px;text-align:center;">44K</td>
<td style="width:112px;text-align:center;">0.0047</td>
<td style="width:252px;text-align:center;"><a href="http://www.jhfcu.org/">http://www.jhfcu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">8</td>
<td style="width:239px;text-align:center;">Consumer Credit Union</td>
<td style="width:90px;text-align:center;">TN</td>
<td style="width:93px;text-align:center;">520M</td>
<td style="width:86px;text-align:center;">42K</td>
<td style="width:112px;text-align:center;">0.0060</td>
<td style="width:252px;text-align:center;"><a href="http://consumercreditunion.com/">http://consumercreditunion.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">9</td>
<td style="width:239px;text-align:center;">First Choice America Community Credit Union</td>
<td style="width:90px;text-align:center;">WV</td>
<td style="width:93px;text-align:center;">506M</td>
<td style="width:86px;text-align:center;">36K</td>
<td style="width:112px;text-align:center;">0.0061</td>
<td style="width:252px;text-align:center;"><a href="http://www.firstchoiceamericacu.org/">http://www.firstchoiceamericacu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">10</td>
<td style="width:239px;text-align:center;">Schlumberger Employees Credit Union</td>
<td style="width:90px;text-align:center;">TX</td>
<td style="width:93px;text-align:center;">924M</td>
<td style="width:86px;text-align:center;">30K</td>
<td style="width:112px;text-align:center;">0.0063</td>
<td style="width:252px;text-align:center;"><a href="http://www.secu.slb.com/">http://www.secu.slb.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">11</td>
<td style="width:239px;text-align:center;">Connecticut State Employees Credit Union</td>
<td style="width:90px;text-align:center;">CT</td>
<td style="width:93px;text-align:center;">2,088M</td>
<td style="width:86px;text-align:center;">66K</td>
<td style="width:112px;text-align:center;">0.0070</td>
<td style="width:252px;text-align:center;"><a href="http://csecreditunion.com/">http://csecreditunion.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">12</td>
<td style="width:239px;text-align:center;">Self-Help Credit Union</td>
<td style="width:90px;text-align:center;">NC</td>
<td style="width:93px;text-align:center;">1,226M</td>
<td style="width:86px;text-align:center;">89K</td>
<td style="width:112px;text-align:center;">0.0070</td>
<td style="width:252px;text-align:center;"><a href="http://www.self-help.org/">http://www.self-help.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">13</td>
<td style="width:239px;text-align:center;">Cp Credit Union</td>
<td style="width:90px;text-align:center;">MI</td>
<td style="width:93px;text-align:center;">552M</td>
<td style="width:86px;text-align:center;">57K</td>
<td style="width:112px;text-align:center;">0.0070</td>
<td style="width:252px;text-align:center;"><a href="http://www.cpfederal.com/">http://www.cpfederal.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">14</td>
<td style="width:239px;text-align:center;">Merck Employees Credit Union</td>
<td style="width:90px;text-align:center;">NJ</td>
<td style="width:93px;text-align:center;">2,068M</td>
<td style="width:86px;text-align:center;">25K</td>
<td style="width:112px;text-align:center;">0.0071</td>
<td style="width:252px;text-align:center;"><a href="http://www.merckcu.com/">http://www.merckcu.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">15</td>
<td style="width:239px;text-align:center;">People First Credit Union</td>
<td style="width:90px;text-align:center;">PA</td>
<td style="width:93px;text-align:center;">724M</td>
<td style="width:86px;text-align:center;">73K</td>
<td style="width:112px;text-align:center;">0.0075</td>
<td style="width:252px;text-align:center;"><a href="http://www.peoplefirstcu.org/">http://www.peoplefirstcu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">16</td>
<td style="width:239px;text-align:center;">Hawaiian Financial Credit Union</td>
<td style="width:90px;text-align:center;">HI</td>
<td style="width:93px;text-align:center;">735M</td>
<td style="width:86px;text-align:center;">61K</td>
<td style="width:112px;text-align:center;">0.0078</td>
<td style="width:252px;text-align:center;"><a href="http://www.hificu.com/">http://www.hificu.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">17</td>
<td style="width:239px;text-align:center;">Caltech Employees Credit Union</td>
<td style="width:90px;text-align:center;">CA</td>
<td style="width:93px;text-align:center;">1,921M</td>
<td style="width:86px;text-align:center;">34K</td>
<td style="width:112px;text-align:center;">0.0082</td>
<td style="width:252px;text-align:center;"><a href="http://www.cefcu.org/">http://www.cefcu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">18</td>
<td style="width:239px;text-align:center;">Power Financial Credit Union</td>
<td style="width:90px;text-align:center;">FL</td>
<td style="width:93px;text-align:center;">880M</td>
<td style="width:86px;text-align:center;">33K</td>
<td style="width:112px;text-align:center;">0.0084</td>
<td style="width:252px;text-align:center;"><a href="http://www.powerfi.org/">http://www.powerfi.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">19</td>
<td style="width:239px;text-align:center;">Self Reliance Ny Credit Union</td>
<td style="width:90px;text-align:center;">NY</td>
<td style="width:93px;text-align:center;">1,414M</td>
<td style="width:86px;text-align:center;">15K</td>
<td style="width:112px;text-align:center;">0.0085</td>
<td style="width:252px;text-align:center;"><a href="http://www.selfrelianceny.org">http://www.selfrelianceny.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">20</td>
<td style="width:239px;text-align:center;">Dfcu Financial Credit Union</td>
<td style="width:90px;text-align:center;">MI</td>
<td style="width:93px;text-align:center;">5,523M</td>
<td style="width:86px;text-align:center;">230K</td>
<td style="width:112px;text-align:center;">0.0090</td>
<td style="width:252px;text-align:center;"><a href="http://www.dfcufinancial.com">http://www.dfcufinancial.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">21</td>
<td style="width:239px;text-align:center;">Financial Center Credit Union</td>
<td style="width:90px;text-align:center;">CA</td>
<td style="width:93px;text-align:center;">578M</td>
<td style="width:86px;text-align:center;">31K</td>
<td style="width:112px;text-align:center;">0.0090</td>
<td style="width:252px;text-align:center;"><a href="http://www.fccuburt.org/">http://www.fccuburt.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">22</td>
<td style="width:239px;text-align:center;">San Diego County Credit Union</td>
<td style="width:90px;text-align:center;">CA</td>
<td style="width:93px;text-align:center;">9,284M</td>
<td style="width:86px;text-align:center;">423K</td>
<td style="width:112px;text-align:center;">0.0093</td>
<td style="width:252px;text-align:center;"><a href="http://www.sdccu.com/">http://www.sdccu.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">23</td>
<td style="width:239px;text-align:center;">Municipal Empl.Credit Union Of Balt Credit Union</td>
<td style="width:90px;text-align:center;">MD</td>
<td style="width:93px;text-align:center;">1,289M</td>
<td style="width:86px;text-align:center;">110K</td>
<td style="width:112px;text-align:center;">0.0094</td>
<td style="width:252px;text-align:center;"><a href="https://www.mecu.com/">https://www.mecu.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">24</td>
<td style="width:239px;text-align:center;">Smart Financial Credit Union</td>
<td style="width:90px;text-align:center;">TX</td>
<td style="width:93px;text-align:center;">764M</td>
<td style="width:86px;text-align:center;">70K</td>
<td style="width:112px;text-align:center;">0.0099</td>
<td style="width:252px;text-align:center;"><a href="http://www.smartcu.org/">http://www.smartcu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">25</td>
<td style="width:239px;text-align:center;">Fedex Employees Credit Association Credit Union</td>
<td style="width:90px;text-align:center;">TN</td>
<td style="width:93px;text-align:center;">590M</td>
<td style="width:86px;text-align:center;">92K</td>
<td style="width:112px;text-align:center;">0.0103</td>
<td style="width:252px;text-align:center;"><a href="http://www.fecca.com/">http://www.fecca.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">26</td>
<td style="width:239px;text-align:center;">Park Community Credit Union, Inc. Credit Union</td>
<td style="width:90px;text-align:center;">KY</td>
<td style="width:93px;text-align:center;">1,087M</td>
<td style="width:86px;text-align:center;">86K</td>
<td style="width:112px;text-align:center;">0.0104</td>
<td style="width:252px;text-align:center;"><a href="http://www.parkcommunity.com/">http://www.parkcommunity.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">27</td>
<td style="width:239px;text-align:center;">Hickam Credit Union</td>
<td style="width:90px;text-align:center;">HI</td>
<td style="width:93px;text-align:center;">658M</td>
<td style="width:86px;text-align:center;">49K</td>
<td style="width:112px;text-align:center;">0.0106</td>
<td style="width:252px;text-align:center;"><a href="https://www.hickamfcu.org/">https://www.hickamfcu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">28</td>
<td style="width:239px;text-align:center;">Rtn Credit Union</td>
<td style="width:90px;text-align:center;">MA</td>
<td style="width:93px;text-align:center;">993M</td>
<td style="width:86px;text-align:center;">44K</td>
<td style="width:112px;text-align:center;">0.0106</td>
<td style="width:252px;text-align:center;"><a href="http://www.rtn.org/">http://www.rtn.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">29</td>
<td style="width:239px;text-align:center;">Christian Community Credit Union</td>
<td style="width:90px;text-align:center;">CA</td>
<td style="width:93px;text-align:center;">760M</td>
<td style="width:86px;text-align:center;">31K</td>
<td style="width:112px;text-align:center;">0.0108</td>
<td style="width:252px;text-align:center;"><a href="https://www.mycccu.com/">https://www.mycccu.com/</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">30</td>
<td style="width:239px;text-align:center;">Hawaii Community Credit Union</td>
<td style="width:90px;text-align:center;">HI</td>
<td style="width:93px;text-align:center;">620M</td>
<td style="width:86px;text-align:center;">43K</td>
<td style="width:112px;text-align:center;">0.0113</td>
<td style="width:252px;text-align:center;"><a href="http://www.hicommfcu.com/">http://www.hicommfcu.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">31</td>
<td style="width:239px;text-align:center;">Insight Credit Union</td>
<td style="width:90px;text-align:center;">FL</td>
<td style="width:93px;text-align:center;">617M</td>
<td style="width:86px;text-align:center;">49K</td>
<td style="width:112px;text-align:center;">0.0114</td>
<td style="width:252px;text-align:center;"><a href="http://insightcreditunion.com/">http://insightcreditunion.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">32</td>
<td style="width:239px;text-align:center;">University Of Hawaii Credit Union</td>
<td style="width:90px;text-align:center;">HI</td>
<td style="width:93px;text-align:center;">719M</td>
<td style="width:86px;text-align:center;">31K</td>
<td style="width:112px;text-align:center;">0.0115</td>
<td style="width:252px;text-align:center;"><a href="http://www.uhfcu.com/">http://www.uhfcu.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">33</td>
<td style="width:239px;text-align:center;">Mypoint Credit Union</td>
<td style="width:90px;text-align:center;">CA</td>
<td style="width:93px;text-align:center;">575M</td>
<td style="width:86px;text-align:center;">30K</td>
<td style="width:112px;text-align:center;">0.0116</td>
<td style="width:252px;text-align:center;"><a href="http://www.mypointcu.com/">http://www.mypointcu.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">34</td>
<td style="width:239px;text-align:center;">Mainstreet Credit Union</td>
<td style="width:90px;text-align:center;">KS</td>
<td style="width:93px;text-align:center;">534M</td>
<td style="width:86px;text-align:center;">69K</td>
<td style="width:112px;text-align:center;">0.0116</td>
<td style="width:252px;text-align:center;"><a href="http://www.mainstreetcu.org/">http://www.mainstreetcu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">35</td>
<td style="width:239px;text-align:center;">San Francisco Fire Credit Union</td>
<td style="width:90px;text-align:center;">CA</td>
<td style="width:93px;text-align:center;">1,532M</td>
<td style="width:86px;text-align:center;">73K</td>
<td style="width:112px;text-align:center;">0.0117</td>
<td style="width:252px;text-align:center;"><a href="https://sffirecu.org/">https://sffirecu.org/</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">36</td>
<td style="width:239px;text-align:center;">Altaone Credit Union</td>
<td style="width:90px;text-align:center;">CA</td>
<td style="width:93px;text-align:center;">668M</td>
<td style="width:86px;text-align:center;">55K</td>
<td style="width:112px;text-align:center;">0.0117</td>
<td style="width:252px;text-align:center;"><a href="http://www.altaone.org/">http://www.altaone.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">37</td>
<td style="width:239px;text-align:center;">Hudson Valley Credit Union</td>
<td style="width:90px;text-align:center;">NY</td>
<td style="width:93px;text-align:center;">5,906M</td>
<td style="width:86px;text-align:center;">305K</td>
<td style="width:112px;text-align:center;">0.0117</td>
<td style="width:252px;text-align:center;"><a href="http://www.hvcu.org/">http://www.hvcu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">38</td>
<td style="width:239px;text-align:center;">Municipal Credit Union</td>
<td style="width:90px;text-align:center;">NY</td>
<td style="width:93px;text-align:center;">3,617M</td>
<td style="width:86px;text-align:center;">589K</td>
<td style="width:112px;text-align:center;">0.0121</td>
<td style="width:252px;text-align:center;"><a href="http://www.nymcu.org/">http://www.nymcu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">39</td>
<td style="width:239px;text-align:center;">University Of Michigan Credit Union</td>
<td style="width:90px;text-align:center;">MI</td>
<td style="width:93px;text-align:center;">1,121M</td>
<td style="width:86px;text-align:center;">100K</td>
<td style="width:112px;text-align:center;">0.0122</td>
<td style="width:252px;text-align:center;"><a href="http://www.umcu.org/">http://www.umcu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">40</td>
<td style="width:239px;text-align:center;">N C P D Credit Union</td>
<td style="width:90px;text-align:center;">NY</td>
<td style="width:93px;text-align:center;">809M</td>
<td style="width:86px;text-align:center;">16K</td>
<td style="width:112px;text-align:center;">0.0123</td>
<td style="width:252px;text-align:center;"><a href="http://ncpdfcu.org/">http://ncpdfcu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">41</td>
<td style="width:239px;text-align:center;">Gfa Credit Union</td>
<td style="width:90px;text-align:center;">MA</td>
<td style="width:93px;text-align:center;">588M</td>
<td style="width:86px;text-align:center;">31K</td>
<td style="width:112px;text-align:center;">0.0124</td>
<td style="width:252px;text-align:center;"><a href="http://gfafcu.com/">http://gfafcu.com</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">42</td>
<td style="width:239px;text-align:center;">California Credit Union</td>
<td style="width:90px;text-align:center;">CA</td>
<td style="width:93px;text-align:center;">3,562M</td>
<td style="width:86px;text-align:center;">164K</td>
<td style="width:112px;text-align:center;">0.0125</td>
<td style="width:252px;text-align:center;"><a href="http://www.californiacu.org/">http://www.californiacu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">43</td>
<td style="width:239px;text-align:center;">Safeamerica Credit Union</td>
<td style="width:90px;text-align:center;">CA</td>
<td style="width:93px;text-align:center;">502M</td>
<td style="width:86px;text-align:center;">37K</td>
<td style="width:112px;text-align:center;">0.0126</td>
<td style="width:252px;text-align:center;"><a href="https://www.safeamerica.com/">https://www.safeamerica.com/</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">44</td>
<td style="width:239px;text-align:center;">Sce Credit Union</td>
<td style="width:90px;text-align:center;">CA</td>
<td style="width:93px;text-align:center;">824M</td>
<td style="width:86px;text-align:center;">62K</td>
<td style="width:112px;text-align:center;">0.0127</td>
<td style="width:252px;text-align:center;"><a href="http://www.scefcu.org/">http://www.scefcu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">45</td>
<td style="width:239px;text-align:center;">Educational Employees Credit Union</td>
<td style="width:90px;text-align:center;">CA</td>
<td style="width:93px;text-align:center;">3,681M</td>
<td style="width:86px;text-align:center;">310K</td>
<td style="width:112px;text-align:center;">0.0128</td>
<td style="width:252px;text-align:center;"><a href="http://www.myeecu.org/">http://www.myeecu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">46</td>
<td style="width:239px;text-align:center;">1St United Services Credit Union</td>
<td style="width:90px;text-align:center;">CA</td>
<td style="width:93px;text-align:center;">1,240M</td>
<td style="width:86px;text-align:center;">63K</td>
<td style="width:112px;text-align:center;">0.0128</td>
<td style="width:252px;text-align:center;"><a href="http://www.1stunitedcu.org/">http://www.1stunitedcu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">47</td>
<td style="width:239px;text-align:center;">The Police Credit Union</td>
<td style="width:90px;text-align:center;">CA</td>
<td style="width:93px;text-align:center;">1,022M</td>
<td style="width:86px;text-align:center;">41K</td>
<td style="width:112px;text-align:center;">0.0129</td>
<td style="width:252px;text-align:center;"><a href="http://www.thepolicecu.org/">http://www.thepolicecu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">48</td>
<td style="width:239px;text-align:center;">Metro Credit Union</td>
<td style="width:90px;text-align:center;">MA</td>
<td style="width:93px;text-align:center;">2,347M</td>
<td style="width:86px;text-align:center;">217K</td>
<td style="width:112px;text-align:center;">0.0129</td>
<td style="width:252px;text-align:center;"><a href="http://www.metrocu.org/">http://www.metrocu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">49</td>
<td style="width:239px;text-align:center;">Solarity Credit Union</td>
<td style="width:90px;text-align:center;">WA</td>
<td style="width:93px;text-align:center;">769M</td>
<td style="width:86px;text-align:center;">59K</td>
<td style="width:112px;text-align:center;">0.0129</td>
<td style="width:252px;text-align:center;"><a href="http://www.solaritycu.org/">http://www.solaritycu.org</a></td>
</tr>
<tr>
<td style="width:63px;text-align:center;">50</td>
<td style="width:239px;text-align:center;">Quorum Credit Union</td>
<td style="width:90px;text-align:center;">NY</td>
<td style="width:93px;text-align:center;">871M</td>
<td style="width:86px;text-align:center;">70K</td>
<td style="width:112px;text-align:center;">0.0132</td>
<td style="width:252px;text-align:center;"><a href="http://quorumfcu.org/">http://quorumfcu.org</a></td>
</tr>
</tbody>
</table>
</div>
<div> </div>
<div>Where does your credit unions stand in this? How are you managing your per member loan grants and what are you doing to come up to that satisfactory level that you want to achieve? </div>
<div> </div></div>Top 50 Credit Unions with Highest and Lowest New Members Ratio as of June 2020https://culytics.com/blogs/-new-members-ratio-as-of-june-20202020-10-19T20:44:16.000Z2020-10-19T20:44:16.000ZMedhavi Singlahttps://culytics.com/members/MedhaviSingla<div><div class="x_-1583605898zmail_extra">
<div>
<div>
<div><span class="x_-1583605898colour"><span class="x_-1583605898font"><span class="x_-1583605898size"><span class="x_-1583605898highlight">When a member joins your organization, the onboarding process plays a critical role in keeping them engaged right from the beginning.</span><span class="x_-1583605898highlight"> How many new members have joined your credit union in the second quarter of 2020? </span></span></span></span></div>
<div> </div>
<div><span class="x_-1583605898colour"><span class="x_-1583605898font"><span class="x_-1583605898size"><span class="x_-1583605898highlight">Here is the list of <strong>Top 50 Credit Unions with the highest and lowest new member ratio</strong> for Q2 where we have taken credit unions with more than <strong>$500M</strong> into consideration. </span><span class="x_-1583605898highlight">New Member Ratio is calculated as N<strong>et New Members in the quarter/Total Members.</strong></span></span></span></span></div>
<div> </div>
<div>Check out this list of CUs with the <strong>highest new member ratio</strong>. It means that these credit unions are not only popular and good at attracting the new members but are also offering services that are keeping their old members engaged. </div>
<div> </div>
<div>We can say that these credit unions are doing a good job of serving their members. </div>
<div> </div>
<div>
<table style="width:859px;" width="760">
<tbody>
<tr>
<td style="width:61px;text-align:center;" width="64"><strong>S.No.</strong></td>
<td style="width:262px;text-align:center;" width="135"><strong>Credit Union Name </strong></td>
<td style="width:10px;text-align:center;" width="64"><strong>State</strong></td>
<td style="width:251px;text-align:center;" width="257"><strong>URL</strong></td>
<td style="width:99px;text-align:center;" width="103"><strong>Total Assets</strong></td>
<td style="width:73px;text-align:center;" width="73"><strong>Total Members</strong></td>
<td style="width:103px;text-align:center;" width="64"><strong>New Members Ratio</strong></td>
</tr>
<tr>
<td style="width:61px;text-align:center;">1</td>
<td style="width:262px;text-align:center;">Christian Financial Credit Union</td>
<td style="width:10px;text-align:center;">MI</td>
<td style="width:251px;text-align:center;"><a href="http://www.christianfinancialcu.org/">http://www.christianfinancialcu.org</a></td>
<td style="width:99px;text-align:center;">677M</td>
<td style="width:73px;text-align:center;">61K</td>
<td style="width:103px;text-align:center;">27.80%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">2</td>
<td style="width:262px;text-align:center;">Consumers Cooperative Credit Union</td>
<td style="width:10px;text-align:center;">IL</td>
<td style="width:251px;text-align:center;"><a href="http://www.myconsumers.org/">http://www.myconsumers.org</a></td>
<td style="width:99px;text-align:center;">2,440M</td>
<td style="width:73px;text-align:center;">169K</td>
<td style="width:103px;text-align:center;">24.83%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">3</td>
<td style="width:262px;text-align:center;">First Commerce Credit Union</td>
<td style="width:10px;text-align:center;">FL</td>
<td style="width:251px;text-align:center;"><a href="http://www.firstcommercecu.org/">http://www.firstcommercecu.org</a></td>
<td style="width:99px;text-align:center;">920M</td>
<td style="width:73px;text-align:center;">64K</td>
<td style="width:103px;text-align:center;">14.55%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">4</td>
<td style="width:262px;text-align:center;">Pelican State Credit Union</td>
<td style="width:10px;text-align:center;">LA</td>
<td style="width:251px;text-align:center;"><a href="http://www.pelicanstatecu.com/">http://www.pelicanstatecu.com</a></td>
<td style="width:99px;text-align:center;">519M</td>
<td style="width:73px;text-align:center;">63K</td>
<td style="width:103px;text-align:center;">11.35%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">5</td>
<td style="width:262px;text-align:center;">Three Rivers Federal Credit Union</td>
<td style="width:10px;text-align:center;">IN</td>
<td style="width:251px;text-align:center;"><a href="http://www.3riversfcu.org/">http://www.3riversfcu.org</a></td>
<td style="width:99px;text-align:center;">1,630M</td>
<td style="width:73px;text-align:center;">95K</td>
<td style="width:103px;text-align:center;">9.74%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">6</td>
<td style="width:262px;text-align:center;">Lafayette Federal Credit Union</td>
<td style="width:10px;text-align:center;">MD</td>
<td style="width:251px;text-align:center;"><a href="http://www.lfcu.org/">http://www.lfcu.org</a></td>
<td style="width:99px;text-align:center;">817M</td>
<td style="width:73px;text-align:center;">26K</td>
<td style="width:103px;text-align:center;">8.87%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">7</td>
<td style="width:262px;text-align:center;">Carter Credit Union</td>
<td style="width:10px;text-align:center;">LA</td>
<td style="width:251px;text-align:center;"><a href="http://www.cartercu.org/">http://www.cartercu.org</a></td>
<td style="width:99px;text-align:center;">525M</td>
<td style="width:73px;text-align:center;">30K</td>
<td style="width:103px;text-align:center;">8.42%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">8</td>
<td style="width:262px;text-align:center;">Insight Credit Union</td>
<td style="width:10px;text-align:center;">FL</td>
<td style="width:251px;text-align:center;"><a href="http://insightcreditunion.com/">http://insightcreditunion.com</a></td>
<td style="width:99px;text-align:center;">617M</td>
<td style="width:73px;text-align:center;">49K</td>
<td style="width:103px;text-align:center;">7.73%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">9</td>
<td style="width:262px;text-align:center;">Greenstate Credit Union</td>
<td style="width:10px;text-align:center;">IA</td>
<td style="width:251px;text-align:center;"><a href="http://greenstate.org/">http://greenstate.org</a></td>
<td style="width:99px;text-align:center;">6,660M</td>
<td style="width:73px;text-align:center;">229K</td>
<td style="width:103px;text-align:center;">7.17%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">10</td>
<td style="width:262px;text-align:center;">Pentagon Federal Credit Union</td>
<td style="width:10px;text-align:center;">VA</td>
<td style="width:251px;text-align:center;"><a href="http://www.penfed.org/">http://www.penfed.org</a></td>
<td style="width:99px;text-align:center;">25,925M</td>
<td style="width:73px;text-align:center;">2,041K</td>
<td style="width:103px;text-align:center;">6.59%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">11</td>
<td style="width:262px;text-align:center;">Sun Federal Credit Union</td>
<td style="width:10px;text-align:center;">OH</td>
<td style="width:251px;text-align:center;"><a href="http://www.sunfederalcu.org/">http://www.sunfederalcu.org</a></td>
<td style="width:99px;text-align:center;">606M</td>
<td style="width:73px;text-align:center;">39K</td>
<td style="width:103px;text-align:center;">6.16%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">12</td>
<td style="width:262px;text-align:center;">Arizona Federal Credit Union</td>
<td style="width:10px;text-align:center;">AZ</td>
<td style="width:251px;text-align:center;"><a href="http://www.azfcu.org/">http://www.azfcu.org</a></td>
<td style="width:99px;text-align:center;">2,178M</td>
<td style="width:73px;text-align:center;">140K</td>
<td style="width:103px;text-align:center;">5.71%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">13</td>
<td style="width:262px;text-align:center;">Redstone Federal Credit Union</td>
<td style="width:10px;text-align:center;">AL</td>
<td style="width:251px;text-align:center;"><a href="http://www.redfcu.org/">http://www.redfcu.org</a></td>
<td style="width:99px;text-align:center;">6,104M</td>
<td style="width:73px;text-align:center;">537K</td>
<td style="width:103px;text-align:center;">5.13%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">14</td>
<td style="width:262px;text-align:center;">Canyon State Credit Union</td>
<td style="width:10px;text-align:center;">AZ</td>
<td style="width:251px;text-align:center;"><a href="http://www.canyonstatecu.org/">http://www.canyonstatecu.org</a></td>
<td style="width:99px;text-align:center;">509M</td>
<td style="width:73px;text-align:center;">39K</td>
<td style="width:103px;text-align:center;">4.99%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">15</td>
<td style="width:262px;text-align:center;">Arkansas Federal Credit Union</td>
<td style="width:10px;text-align:center;">AR</td>
<td style="width:251px;text-align:center;"><a href="http://www.afcu.org/">http://www.afcu.org</a></td>
<td style="width:99px;text-align:center;">1,490M</td>
<td style="width:73px;text-align:center;">121K</td>
<td style="width:103px;text-align:center;">3.99%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">16</td>
<td style="width:262px;text-align:center;">Virginia Credit Union</td>
<td style="width:10px;text-align:center;">VA</td>
<td style="width:251px;text-align:center;"><a href="http://www.vacu.org/">http://www.vacu.org</a></td>
<td style="width:99px;text-align:center;">4,286M</td>
<td style="width:73px;text-align:center;">308K</td>
<td style="width:103px;text-align:center;">3.92%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">17</td>
<td style="width:262px;text-align:center;">Fortera Credit Union</td>
<td style="width:10px;text-align:center;">TN</td>
<td style="width:251px;text-align:center;"><a href="http://forteracu.com/">http://forteracu.com</a></td>
<td style="width:99px;text-align:center;">639M</td>
<td style="width:73px;text-align:center;">65K</td>
<td style="width:103px;text-align:center;">3.84%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">18</td>
<td style="width:262px;text-align:center;">Evangelical Christian Credit Union</td>
<td style="width:10px;text-align:center;">CA</td>
<td style="width:251px;text-align:center;"><a href="http://www.eccu.org/">http://www.eccu.org</a></td>
<td style="width:99px;text-align:center;">733M</td>
<td style="width:73px;text-align:center;">15K</td>
<td style="width:103px;text-align:center;">3.77%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">19</td>
<td style="width:262px;text-align:center;">Oregon Community Credit Union</td>
<td style="width:10px;text-align:center;">OR</td>
<td style="width:251px;text-align:center;"><a href="http://www.myoccu.org/">http://www.myoccu.org</a></td>
<td style="width:99px;text-align:center;">2,272M</td>
<td style="width:73px;text-align:center;">175K</td>
<td style="width:103px;text-align:center;">3.64%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">20</td>
<td style="width:262px;text-align:center;">Navigant Credit Union</td>
<td style="width:10px;text-align:center;">RI</td>
<td style="width:251px;text-align:center;"><a href="http://www.navigantcu.org/">http://www.navigantcu.org</a></td>
<td style="width:99px;text-align:center;">2,671M</td>
<td style="width:73px;text-align:center;">106K</td>
<td style="width:103px;text-align:center;">3.41%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">21</td>
<td style="width:262px;text-align:center;">Hughes Federal Credit Union</td>
<td style="width:10px;text-align:center;">AZ</td>
<td style="width:251px;text-align:center;"><a href="http://www.hughesfcu.org/">http://www.hughesfcu.org</a></td>
<td style="width:99px;text-align:center;">1,562M</td>
<td style="width:73px;text-align:center;">140K</td>
<td style="width:103px;text-align:center;">3.40%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">22</td>
<td style="width:262px;text-align:center;">Utah First Credit Union</td>
<td style="width:10px;text-align:center;">UT</td>
<td style="width:251px;text-align:center;"><a href="http://www.utahfirst.com/">http://www.utahfirst.com</a></td>
<td style="width:99px;text-align:center;">601M</td>
<td style="width:73px;text-align:center;">25K</td>
<td style="width:103px;text-align:center;">3.36%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">23</td>
<td style="width:262px;text-align:center;">Alabama Credit Union</td>
<td style="width:10px;text-align:center;">AL</td>
<td style="width:251px;text-align:center;"><a href="http://www.alabamacu.com/">http://www.alabamacu.com</a></td>
<td style="width:99px;text-align:center;">1,083M</td>
<td style="width:73px;text-align:center;">98K</td>
<td style="width:103px;text-align:center;">3.20%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">24</td>
<td style="width:262px;text-align:center;">Knoxville Tva Employees Credit Union</td>
<td style="width:10px;text-align:center;">TN</td>
<td style="width:251px;text-align:center;"><a href="http://www.tvacreditunion.com/">http://www.tvacreditunion.com</a></td>
<td style="width:99px;text-align:center;">2,767M</td>
<td style="width:73px;text-align:center;">222K</td>
<td style="width:103px;text-align:center;">3.20%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">25</td>
<td style="width:262px;text-align:center;">Potlatch No 1 Federal Credit Union</td>
<td style="width:10px;text-align:center;">ID</td>
<td style="width:251px;text-align:center;"><a href="http://www.p1fcu.org/">http://www.p1fcu.org</a></td>
<td style="width:99px;text-align:center;">1,409M</td>
<td style="width:73px;text-align:center;">97K</td>
<td style="width:103px;text-align:center;">2.97%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">26</td>
<td style="width:262px;text-align:center;">Security Credit Union</td>
<td style="width:10px;text-align:center;">MI</td>
<td style="width:251px;text-align:center;"><a href="http://www.securitycu.org/">http://www.securitycu.org</a></td>
<td style="width:99px;text-align:center;">521M</td>
<td style="width:73px;text-align:center;">50K</td>
<td style="width:103px;text-align:center;">2.88%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">27</td>
<td style="width:262px;text-align:center;">Communication Federal Credit Union</td>
<td style="width:10px;text-align:center;">OK</td>
<td style="width:251px;text-align:center;"><a href="http://www.comfedcu.org/">http://www.comfedcu.org</a></td>
<td style="width:99px;text-align:center;">1,425M</td>
<td style="width:73px;text-align:center;">93K</td>
<td style="width:103px;text-align:center;">2.87%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">28</td>
<td style="width:262px;text-align:center;">Idaho Central Credit Union</td>
<td style="width:10px;text-align:center;">ID</td>
<td style="width:251px;text-align:center;"><a href="http://www.iccu.com/">http://www.iccu.com</a></td>
<td style="width:99px;text-align:center;">6,042M</td>
<td style="width:73px;text-align:center;">406K</td>
<td style="width:103px;text-align:center;">2.72%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">29</td>
<td style="width:262px;text-align:center;">Power Financial Credit Union</td>
<td style="width:10px;text-align:center;">FL</td>
<td style="width:251px;text-align:center;"><a href="http://www.powerfi.org/">http://www.powerfi.org</a></td>
<td style="width:99px;text-align:center;">880M</td>
<td style="width:73px;text-align:center;">33K</td>
<td style="width:103px;text-align:center;">2.67%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">30</td>
<td style="width:262px;text-align:center;">Navy Federal Credit Union</td>
<td style="width:10px;text-align:center;">VA</td>
<td style="width:251px;text-align:center;"><a href="https://www.navyfcu.org/">https://www.navyfcu.org/</a></td>
<td style="width:99px;text-align:center;">128,532M</td>
<td style="width:73px;text-align:center;">9,441K</td>
<td style="width:103px;text-align:center;">2.61%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">31</td>
<td style="width:262px;text-align:center;">Greater Nevada Credit Union</td>
<td style="width:10px;text-align:center;">NV</td>
<td style="width:251px;text-align:center;"><a href="http://www.gncu.org/">http://www.gncu.org</a></td>
<td style="width:99px;text-align:center;">1,264M</td>
<td style="width:73px;text-align:center;">76K</td>
<td style="width:103px;text-align:center;">2.58%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">32</td>
<td style="width:262px;text-align:center;">Corporate America Family Credit Union</td>
<td style="width:10px;text-align:center;">IL</td>
<td style="width:251px;text-align:center;"><a href="http://www.cafcu.org/">http://www.cafcu.org</a></td>
<td style="width:99px;text-align:center;">738M</td>
<td style="width:73px;text-align:center;">69K</td>
<td style="width:103px;text-align:center;">2.57%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">33</td>
<td style="width:262px;text-align:center;">Guardian Credit Union</td>
<td style="width:10px;text-align:center;">AL</td>
<td style="width:251px;text-align:center;"><a href="https://www.myguardiancu.com/">https://www.myguardiancu.com</a></td>
<td style="width:99px;text-align:center;">650M</td>
<td style="width:73px;text-align:center;">72K</td>
<td style="width:103px;text-align:center;">2.56%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">34</td>
<td style="width:262px;text-align:center;">La Capitol Federal Credit Union</td>
<td style="width:10px;text-align:center;">LA</td>
<td style="width:251px;text-align:center;"><a href="http://www.lacapfcu.org/">http://www.lacapfcu.org</a></td>
<td style="width:99px;text-align:center;">572M</td>
<td style="width:73px;text-align:center;">49K</td>
<td style="width:103px;text-align:center;">2.52%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">35</td>
<td style="width:262px;text-align:center;">Connexus Credit Union</td>
<td style="width:10px;text-align:center;">WI</td>
<td style="width:251px;text-align:center;"><a href="http://www.connexuscu.org/">http://www.connexuscu.org</a></td>
<td style="width:99px;text-align:center;">2,971M</td>
<td style="width:73px;text-align:center;">378K</td>
<td style="width:103px;text-align:center;">2.52%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">36</td>
<td style="width:262px;text-align:center;">Alliant Credit Union</td>
<td style="width:10px;text-align:center;">IL</td>
<td style="width:251px;text-align:center;"><a href="http://www.alliantcreditunion.org/">http://www.alliantcreditunion.org</a></td>
<td style="width:99px;text-align:center;">12,999M</td>
<td style="width:73px;text-align:center;">521K</td>
<td style="width:103px;text-align:center;">2.51%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">37</td>
<td style="width:262px;text-align:center;">Westmark Credit Union</td>
<td style="width:10px;text-align:center;">ID</td>
<td style="width:251px;text-align:center;"><a href="http://www.westmark.org/">http://www.westmark.org</a></td>
<td style="width:99px;text-align:center;">931M</td>
<td style="width:73px;text-align:center;">63K</td>
<td style="width:103px;text-align:center;">2.49%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">38</td>
<td style="width:262px;text-align:center;">Evansville Teachers Federal Credit Union</td>
<td style="width:10px;text-align:center;">IN</td>
<td style="width:251px;text-align:center;"><a href="http://etfcu.org/">http://etfcu.org</a></td>
<td style="width:99px;text-align:center;">2,151M</td>
<td style="width:73px;text-align:center;">229K</td>
<td style="width:103px;text-align:center;">2.48%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">39</td>
<td style="width:262px;text-align:center;">Neighbors Federal Credit Union</td>
<td style="width:10px;text-align:center;">LA</td>
<td style="width:251px;text-align:center;"><a href="http://www.neighborsfcu.org/">http://www.neighborsfcu.org</a></td>
<td style="width:99px;text-align:center;">1,046M</td>
<td style="width:73px;text-align:center;">75K</td>
<td style="width:103px;text-align:center;">2.45%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">40</td>
<td style="width:262px;text-align:center;">Latino Community Credit Union</td>
<td style="width:10px;text-align:center;">NC</td>
<td style="width:251px;text-align:center;"><a href="http://www.latinoccu.org/">http://www.latinoccu.org</a></td>
<td style="width:99px;text-align:center;">536M</td>
<td style="width:73px;text-align:center;">89K</td>
<td style="width:103px;text-align:center;">2.40%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">41</td>
<td style="width:262px;text-align:center;">Credit Union West Credit Union</td>
<td style="width:10px;text-align:center;">AZ</td>
<td style="width:251px;text-align:center;"><a href="http://www.cuwest.org/">http://www.cuwest.org</a></td>
<td style="width:99px;text-align:center;">848M</td>
<td style="width:73px;text-align:center;">76K</td>
<td style="width:103px;text-align:center;">2.37%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">42</td>
<td style="width:262px;text-align:center;">Keesler Federal Credit Union</td>
<td style="width:10px;text-align:center;">MS</td>
<td style="width:251px;text-align:center;"><a href="http://www.kfcu.org/">http://www.kfcu.org</a></td>
<td style="width:99px;text-align:center;">3,388M</td>
<td style="width:73px;text-align:center;">259K</td>
<td style="width:103px;text-align:center;">2.30%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">43</td>
<td style="width:262px;text-align:center;">Space Coast Credit Union</td>
<td style="width:10px;text-align:center;">FL</td>
<td style="width:251px;text-align:center;"><a href="http://www.sccu.com/">http://www.sccu.com</a></td>
<td style="width:99px;text-align:center;">5,610M</td>
<td style="width:73px;text-align:center;">471K</td>
<td style="width:103px;text-align:center;">2.30%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">44</td>
<td style="width:262px;text-align:center;">Frankenmuth Credit Union</td>
<td style="width:10px;text-align:center;">MI</td>
<td style="width:251px;text-align:center;"><a href="http://www.frankenmuthcu.org/">http://www.frankenmuthcu.org</a></td>
<td style="width:99px;text-align:center;">865M</td>
<td style="width:73px;text-align:center;">52K</td>
<td style="width:103px;text-align:center;">2.24%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">45</td>
<td style="width:262px;text-align:center;">Fox Communities Credit Union</td>
<td style="width:10px;text-align:center;">WI</td>
<td style="width:251px;text-align:center;"><a href="http://www.foxcu.org/">http://www.foxcu.org</a></td>
<td style="width:99px;text-align:center;">2,082M</td>
<td style="width:73px;text-align:center;">110K</td>
<td style="width:103px;text-align:center;">2.18%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">46</td>
<td style="width:262px;text-align:center;">Eastman Credit Union</td>
<td style="width:10px;text-align:center;">TN</td>
<td style="width:251px;text-align:center;"><a href="http://www.ecu.org/">http://www.ecu.org</a></td>
<td style="width:99px;text-align:center;">5,677M</td>
<td style="width:73px;text-align:center;">251K</td>
<td style="width:103px;text-align:center;">2.14%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">47</td>
<td style="width:262px;text-align:center;">Barksdale Federal Credit Union</td>
<td style="width:10px;text-align:center;">LA</td>
<td style="width:251px;text-align:center;"><a href="http://www.bfcu.org/">http://www.bfcu.org</a></td>
<td style="width:99px;text-align:center;">1,664M</td>
<td style="width:73px;text-align:center;">139K</td>
<td style="width:103px;text-align:center;">2.13%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">48</td>
<td style="width:262px;text-align:center;">First Technology Federal Credit Union</td>
<td style="width:10px;text-align:center;">CA</td>
<td style="width:251px;text-align:center;"><a href="https://www.firsttechfed.com/">https://www.firsttechfed.com/</a></td>
<td style="width:99px;text-align:center;">14,407M</td>
<td style="width:73px;text-align:center;">620K</td>
<td style="width:103px;text-align:center;">2.11%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">49</td>
<td style="width:262px;text-align:center;">Police & Fire Federal Credit Union</td>
<td style="width:10px;text-align:center;">PA</td>
<td style="width:251px;text-align:center;"><a href="http://www.pffcu.org/">http://www.pffcu.org</a></td>
<td style="width:99px;text-align:center;">6,311M</td>
<td style="width:73px;text-align:center;">347K</td>
<td style="width:103px;text-align:center;">2.08%</td>
</tr>
<tr>
<td style="width:61px;text-align:center;">50</td>
<td style="width:262px;text-align:center;">Ascend Credit Union</td>
<td style="width:10px;text-align:center;">TN</td>
<td style="width:251px;text-align:center;"><a href="https://ascend.org/">https://ascend.org</a></td>
<td style="width:99px;text-align:center;">2,900M</td>
<td style="width:73px;text-align:center;">217K</td>
<td style="width:103px;text-align:center;">2.07%</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</div>
<div> </div>
<div><span class="x_-1583605898highlight">Of course, there are some caveats. e.g. if a credit union has closed any inactive/dormant or any other membership then the net new membership is going to get impacted. Similarly, if a credit union has closed any acquisition in the quarter then the numbers may be inflated.</span></div>
<div class="x_-1583605898zmail_extra">
<div> </div>
<div>Here is the list of CUs with the <strong>lowest new member ratio.</strong> This means that either these credit unions have to work towards their strategy in boarding new members, or they should find a way to engage their old members at a good level.</div>
<div> </div>
<div>
<table style="width:863px;" width="448">
<tbody>
<tr>
<td style="width:65px;text-align:center;" width="64"><strong>S.No.</strong></td>
<td style="width:231px;text-align:center;" width="64"><strong>Credit Union Name </strong></td>
<td style="width:50px;text-align:center;" width="64"><strong>State</strong></td>
<td style="width:234px;text-align:center;" width="64"><strong>URL</strong></td>
<td style="width:94px;text-align:center;" width="64"><strong>Total Assets</strong></td>
<td style="width:92px;text-align:center;" width="64"><strong>Total Members</strong></td>
<td style="width:97px;text-align:center;" width="64"><strong>New Members Ratio</strong></td>
</tr>
<tr>
<td style="width:65px;text-align:center;">1</td>
<td style="width:231px;text-align:center;">Gulf Winds Credit Union</td>
<td style="width:50px;text-align:center;">FL</td>
<td style="width:234px;text-align:center;"><a href="http://www.gogulfwinds.com/">http://www.gogulfwinds.com</a></td>
<td style="width:94px;text-align:center;">840M</td>
<td style="width:92px;text-align:center;">73K</td>
<td style="width:97px;text-align:center;">-10.87%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">2</td>
<td style="width:231px;text-align:center;">Superior Choice Credit Union</td>
<td style="width:50px;text-align:center;">WI</td>
<td style="width:234px;text-align:center;"><a href="http://www.superiorchoice.com/">http://www.superiorchoice.com</a></td>
<td style="width:94px;text-align:center;">528M</td>
<td style="width:92px;text-align:center;">28K</td>
<td style="width:97px;text-align:center;">-7.36%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">3</td>
<td style="width:231px;text-align:center;">Xceed Financial Credit Union</td>
<td style="width:50px;text-align:center;">CA</td>
<td style="width:234px;text-align:center;"><a href="https://www.xfcu.org/">https://www.xfcu.org</a></td>
<td style="width:94px;text-align:center;">942M</td>
<td style="width:92px;text-align:center;">49K</td>
<td style="width:97px;text-align:center;">-4.98%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">4</td>
<td style="width:231px;text-align:center;">Verve Credit Union</td>
<td style="width:50px;text-align:center;">WI</td>
<td style="width:234px;text-align:center;"><a href="https://www.verveacu.com/">https://www.verveacu.com</a></td>
<td style="width:94px;text-align:center;">1,409M</td>
<td style="width:92px;text-align:center;">66K</td>
<td style="width:97px;text-align:center;">-4.79%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">5</td>
<td style="width:231px;text-align:center;">Michigan Schools And Government Credit Union</td>
<td style="width:50px;text-align:center;">MI</td>
<td style="width:234px;text-align:center;"><a href="http://www.msgcu.org/">http://www.msgcu.org</a></td>
<td style="width:94px;text-align:center;">2,651M</td>
<td style="width:92px;text-align:center;">131K</td>
<td style="width:97px;text-align:center;">-3.97%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">6</td>
<td style="width:231px;text-align:center;">Forum Credit Union</td>
<td style="width:50px;text-align:center;">IN</td>
<td style="width:234px;text-align:center;"><a href="http://www.forumcu.com/">http://www.forumcu.com</a></td>
<td style="width:94px;text-align:center;">1,672M</td>
<td style="width:92px;text-align:center;">156K</td>
<td style="width:97px;text-align:center;">-3.56%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">7</td>
<td style="width:231px;text-align:center;">Team One Credit Union</td>
<td style="width:50px;text-align:center;">MI</td>
<td style="width:234px;text-align:center;"><a href="http://www.teamonecu.org/">http://www.teamonecu.org</a></td>
<td style="width:94px;text-align:center;">647M</td>
<td style="width:92px;text-align:center;">50K</td>
<td style="width:97px;text-align:center;">-3.53%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">8</td>
<td style="width:231px;text-align:center;">We Florida Financial Credit Union</td>
<td style="width:50px;text-align:center;">FL</td>
<td style="width:234px;text-align:center;"><a href="http://www.wefloridafinancial.com/">http://www.wefloridafinancial.com</a></td>
<td style="width:94px;text-align:center;">565M</td>
<td style="width:92px;text-align:center;">45K</td>
<td style="width:97px;text-align:center;">-3.33%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">9</td>
<td style="width:231px;text-align:center;">Michigan Educational Credit Union</td>
<td style="width:50px;text-align:center;">MI</td>
<td style="width:234px;text-align:center;"><a href="http://www.michedcu.org/">http://www.michedcu.org</a></td>
<td style="width:94px;text-align:center;">957M</td>
<td style="width:92px;text-align:center;">52K</td>
<td style="width:97px;text-align:center;">-3.26%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">10</td>
<td style="width:231px;text-align:center;">Velocity Credit Union</td>
<td style="width:50px;text-align:center;">TX</td>
<td style="width:234px;text-align:center;"><a href="http://www.velocitycu.com/">http://www.velocitycu.com</a></td>
<td style="width:94px;text-align:center;">938M</td>
<td style="width:92px;text-align:center;">85K</td>
<td style="width:97px;text-align:center;">-3.20%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">11</td>
<td style="width:231px;text-align:center;">Navy Army Community Credit Union</td>
<td style="width:50px;text-align:center;">TX</td>
<td style="width:234px;text-align:center;"><a href="http://www.navyarmyccu.com/">http://www.navyarmyccu.com</a></td>
<td style="width:94px;text-align:center;">3,530M</td>
<td style="width:92px;text-align:center;">188K</td>
<td style="width:97px;text-align:center;">-3.12%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">12</td>
<td style="width:231px;text-align:center;">Orion Federal Credit Union</td>
<td style="width:50px;text-align:center;">TN</td>
<td style="width:234px;text-align:center;"><a href="http://www.orionfcu.com/">http://www.orionfcu.com</a></td>
<td style="width:94px;text-align:center;">936M</td>
<td style="width:92px;text-align:center;">72K</td>
<td style="width:97px;text-align:center;">-2.92%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">13</td>
<td style="width:231px;text-align:center;">USC Credit Union</td>
<td style="width:50px;text-align:center;">CA</td>
<td style="width:234px;text-align:center;"><a href="http://www.usccreditunion.org/">http://www.usccreditunion.org</a></td>
<td style="width:94px;text-align:center;">660M</td>
<td style="width:92px;text-align:center;">76K</td>
<td style="width:97px;text-align:center;">-2.88%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">14</td>
<td style="width:231px;text-align:center;">Firstmark Credit Union</td>
<td style="width:50px;text-align:center;">TX</td>
<td style="width:234px;text-align:center;"><a href="http://www.firstmarkcu.org/">http://www.firstmarkcu.org</a></td>
<td style="width:94px;text-align:center;">1,124M</td>
<td style="width:92px;text-align:center;">94K</td>
<td style="width:97px;text-align:center;">-2.79%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">15</td>
<td style="width:231px;text-align:center;">Fort Worth Community Credit Union</td>
<td style="width:50px;text-align:center;">TX</td>
<td style="width:234px;text-align:center;"><a href="http://www.ftwccu.org/">http://www.ftwccu.org</a></td>
<td style="width:94px;text-align:center;">1,072M</td>
<td style="width:92px;text-align:center;">85K</td>
<td style="width:97px;text-align:center;">-2.79%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">16</td>
<td style="width:231px;text-align:center;">SAFE Federal Credit Union</td>
<td style="width:50px;text-align:center;">SC</td>
<td style="width:234px;text-align:center;"><a href="https://www.safefed.org/">https://www.safefed.org</a></td>
<td style="width:94px;text-align:center;">1,273M</td>
<td style="width:92px;text-align:center;">123K</td>
<td style="width:97px;text-align:center;">-2.58%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">17</td>
<td style="width:231px;text-align:center;">Schlumberger Employees Credit Union</td>
<td style="width:50px;text-align:center;">TX</td>
<td style="width:234px;text-align:center;"><a href="http://www.secu.slb.com/">http://www.secu.slb.com</a></td>
<td style="width:94px;text-align:center;">924M</td>
<td style="width:92px;text-align:center;">30K</td>
<td style="width:97px;text-align:center;">-2.54%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">18</td>
<td style="width:231px;text-align:center;">Florida Central Credit Union</td>
<td style="width:50px;text-align:center;">FL</td>
<td style="width:234px;text-align:center;"><a href="http://floridacentralcu.com/">http://floridacentralcu.com</a></td>
<td style="width:94px;text-align:center;">542M</td>
<td style="width:92px;text-align:center;">53K</td>
<td style="width:97px;text-align:center;">-2.36%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">19</td>
<td style="width:231px;text-align:center;">Certified Federal Credit Union</td>
<td style="width:50px;text-align:center;">CA</td>
<td style="width:234px;text-align:center;"><a href="http://www.certifiedfed.com/">http://www.certifiedfed.com</a></td>
<td style="width:94px;text-align:center;">678M</td>
<td style="width:92px;text-align:center;">61K</td>
<td style="width:97px;text-align:center;">-2.30%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">20</td>
<td style="width:231px;text-align:center;">Texas Bay Credit Union</td>
<td style="width:50px;text-align:center;">TX</td>
<td style="width:234px;text-align:center;"><a href="http://www.tbacu.org/">http://www.tbacu.org</a></td>
<td style="width:94px;text-align:center;">546M</td>
<td style="width:92px;text-align:center;">47K</td>
<td style="width:97px;text-align:center;">-2.29%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">21</td>
<td style="width:231px;text-align:center;">Del Norte Credit Union</td>
<td style="width:50px;text-align:center;">NM</td>
<td style="width:234px;text-align:center;"><a href="http://www.dncu.org/">http://www.dncu.org</a></td>
<td style="width:94px;text-align:center;">795M</td>
<td style="width:92px;text-align:center;">55K</td>
<td style="width:97px;text-align:center;">-2.22%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">22</td>
<td style="width:231px;text-align:center;">Tyndall Credit Union</td>
<td style="width:50px;text-align:center;">FL</td>
<td style="width:234px;text-align:center;"><a href="http://www.tyndall.org/">http://www.tyndall.org</a></td>
<td style="width:94px;text-align:center;">1,745M</td>
<td style="width:92px;text-align:center;">113K</td>
<td style="width:97px;text-align:center;">-2.18%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">23</td>
<td style="width:231px;text-align:center;">The Police Credit Union</td>
<td style="width:50px;text-align:center;">CA</td>
<td style="width:234px;text-align:center;"><a href="http://www.thepolicecu.org/">http://www.thepolicecu.org</a></td>
<td style="width:94px;text-align:center;">1,022M</td>
<td style="width:92px;text-align:center;">41K</td>
<td style="width:97px;text-align:center;">-2.13%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">24</td>
<td style="width:231px;text-align:center;">Leominster Credit Union</td>
<td style="width:50px;text-align:center;">MA</td>
<td style="width:234px;text-align:center;"><a href="http://www.leominstercu.com/">http://www.leominstercu.com</a></td>
<td style="width:94px;text-align:center;">752M</td>
<td style="width:92px;text-align:center;">48K</td>
<td style="width:97px;text-align:center;">-2.12%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">25</td>
<td style="width:231px;text-align:center;">Amplify Credit Union</td>
<td style="width:50px;text-align:center;">TX</td>
<td style="width:234px;text-align:center;"><a href="http://www.goamplify.com/">http://www.goamplify.com</a></td>
<td style="width:94px;text-align:center;">1,080M</td>
<td style="width:92px;text-align:center;">59K</td>
<td style="width:97px;text-align:center;">-2.05%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">26</td>
<td style="width:231px;text-align:center;">Lbs Financial Credit Union</td>
<td style="width:50px;text-align:center;">CA</td>
<td style="width:234px;text-align:center;"><a href="http://www.lbsfcu.org/">http://www.lbsfcu.org</a></td>
<td style="width:94px;text-align:center;">1,678M</td>
<td style="width:92px;text-align:center;">135K</td>
<td style="width:97px;text-align:center;">-2.01%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">27</td>
<td style="width:231px;text-align:center;">Arizona Central Credit Union</td>
<td style="width:50px;text-align:center;">AZ</td>
<td style="width:234px;text-align:center;"><a href="http://www.azcentralcu.org/">http://www.azcentralcu.org</a></td>
<td style="width:94px;text-align:center;">602M</td>
<td style="width:92px;text-align:center;">57K</td>
<td style="width:97px;text-align:center;">-1.89%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">28</td>
<td style="width:231px;text-align:center;">Y-12 Federal Credit Union</td>
<td style="width:50px;text-align:center;">TN</td>
<td style="width:234px;text-align:center;"><a href="http://www.y12fcu.org/">http://www.y12fcu.org</a></td>
<td style="width:94px;text-align:center;">1,349M</td>
<td style="width:92px;text-align:center;">110K</td>
<td style="width:97px;text-align:center;">-1.80%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">29</td>
<td style="width:231px;text-align:center;">Jovia Financial Credit Union</td>
<td style="width:50px;text-align:center;">NY</td>
<td style="width:234px;text-align:center;"><a href="http://www.joviafinancial.com/">http://www.joviafinancial.com</a></td>
<td style="width:94px;text-align:center;">3,737M</td>
<td style="width:92px;text-align:center;">196K</td>
<td style="width:97px;text-align:center;">-1.71%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">30</td>
<td style="width:231px;text-align:center;">Primeway Federal Credit Union</td>
<td style="width:50px;text-align:center;">TX</td>
<td style="width:234px;text-align:center;"><a href="https://www.primewayfcu.com/">https://www.primewayfcu.com</a></td>
<td style="width:94px;text-align:center;">586M</td>
<td style="width:92px;text-align:center;">47K</td>
<td style="width:97px;text-align:center;">-1.70%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">31</td>
<td style="width:231px;text-align:center;">Achieva Credit Union Credit Union</td>
<td style="width:50px;text-align:center;">FL</td>
<td style="width:234px;text-align:center;"><a href="http://www.achievacu.com/">http://www.achievacu.com</a></td>
<td style="width:94px;text-align:center;">1,991M</td>
<td style="width:92px;text-align:center;">165K</td>
<td style="width:97px;text-align:center;">-1.69%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">32</td>
<td style="width:231px;text-align:center;">Bellwether Community Credit Union</td>
<td style="width:50px;text-align:center;">NH</td>
<td style="width:234px;text-align:center;"><a href="http://www.bccu.org/">http://www.bccu.org</a></td>
<td style="width:94px;text-align:center;">521M</td>
<td style="width:92px;text-align:center;">33K</td>
<td style="width:97px;text-align:center;">-1.66%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">33</td>
<td style="width:231px;text-align:center;">Jsc Federal Credit Union</td>
<td style="width:50px;text-align:center;">TX</td>
<td style="width:234px;text-align:center;"><a href="http://www.jscfcu.org/">http://www.jscfcu.org</a></td>
<td style="width:94px;text-align:center;">2,486M</td>
<td style="width:92px;text-align:center;">132K</td>
<td style="width:97px;text-align:center;">-1.66%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">34</td>
<td style="width:231px;text-align:center;">Vantage Credit Union</td>
<td style="width:50px;text-align:center;">MO</td>
<td style="width:234px;text-align:center;"><a href="http://www.vcu.com/">http://www.vcu.com</a></td>
<td style="width:94px;text-align:center;">987M</td>
<td style="width:92px;text-align:center;">77K</td>
<td style="width:97px;text-align:center;">-1.63%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">35</td>
<td style="width:231px;text-align:center;">GTE Federal Credit Union</td>
<td style="width:50px;text-align:center;">FL</td>
<td style="width:234px;text-align:center;"><a href="http://www.gtefcu.org/">http://www.gtefcu.org</a></td>
<td style="width:94px;text-align:center;">2,424M</td>
<td style="width:92px;text-align:center;">224K</td>
<td style="width:97px;text-align:center;">-1.59%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">36</td>
<td style="width:231px;text-align:center;">Financial Center Credit Union</td>
<td style="width:50px;text-align:center;">CA</td>
<td style="width:234px;text-align:center;"><a href="http://www.fccuburt.org/">http://www.fccuburt.org</a></td>
<td style="width:94px;text-align:center;">578M</td>
<td style="width:92px;text-align:center;">31K</td>
<td style="width:97px;text-align:center;">-1.59%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">37</td>
<td style="width:231px;text-align:center;">Houston Federal Credit Union</td>
<td style="width:50px;text-align:center;">TX</td>
<td style="width:234px;text-align:center;"><a href="http://www.houstonfcu.org/">http://www.houstonfcu.org</a></td>
<td style="width:94px;text-align:center;">781M</td>
<td style="width:92px;text-align:center;">61K</td>
<td style="width:97px;text-align:center;">-1.58%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">38</td>
<td style="width:231px;text-align:center;">Pawtucket Credit Union</td>
<td style="width:50px;text-align:center;">RI</td>
<td style="width:234px;text-align:center;"><a href="http://www.pcu.org/">http://www.pcu.org</a></td>
<td style="width:94px;text-align:center;">2,554M</td>
<td style="width:92px;text-align:center;">122K</td>
<td style="width:97px;text-align:center;">-1.57%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">39</td>
<td style="width:231px;text-align:center;">Firstlight Federal Credit Union</td>
<td style="width:50px;text-align:center;">TX</td>
<td style="width:234px;text-align:center;"><a href="http://www.firstlightfcu.org/">http://www.firstlightfcu.org</a></td>
<td style="width:94px;text-align:center;">1,270M</td>
<td style="width:92px;text-align:center;">107K</td>
<td style="width:97px;text-align:center;">-1.52%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">40</td>
<td style="width:231px;text-align:center;">Hanscom Federal Credit Union</td>
<td style="width:50px;text-align:center;">MA</td>
<td style="width:234px;text-align:center;"><a href="http://www.hfcu.org/">http://www.hfcu.org</a></td>
<td style="width:94px;text-align:center;">1,607M</td>
<td style="width:92px;text-align:center;">90K</td>
<td style="width:97px;text-align:center;">-1.50%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">41</td>
<td style="width:231px;text-align:center;">Lake Trust Credit Union</td>
<td style="width:50px;text-align:center;">MI</td>
<td style="width:234px;text-align:center;"><a href="http://www.laketrust.org/">http://www.laketrust.org</a></td>
<td style="width:94px;text-align:center;">2,153M</td>
<td style="width:92px;text-align:center;">175K</td>
<td style="width:97px;text-align:center;">-1.50%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">42</td>
<td style="width:231px;text-align:center;">America'S Credit Union</td>
<td style="width:50px;text-align:center;">WA</td>
<td style="width:234px;text-align:center;"><a href="http://www.youracu.org/">http://www.youracu.org</a></td>
<td style="width:94px;text-align:center;">618M</td>
<td style="width:92px;text-align:center;">41K</td>
<td style="width:97px;text-align:center;">-1.48%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">43</td>
<td style="width:231px;text-align:center;">Consumer Credit Union</td>
<td style="width:50px;text-align:center;">TN</td>
<td style="width:234px;text-align:center;"><a href="http://consumercreditunion.com/">http://consumercreditunion.com</a></td>
<td style="width:94px;text-align:center;">520M</td>
<td style="width:92px;text-align:center;">42K</td>
<td style="width:97px;text-align:center;">-1.45%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">44</td>
<td style="width:231px;text-align:center;">Quorum Federal Credit Union</td>
<td style="width:50px;text-align:center;">NY</td>
<td style="width:234px;text-align:center;"><a href="http://quorumfcu.org/">http://quorumfcu.org</a></td>
<td style="width:94px;text-align:center;">871M</td>
<td style="width:92px;text-align:center;">70K</td>
<td style="width:97px;text-align:center;">-1.43%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">45</td>
<td style="width:231px;text-align:center;">Ardent Credit Union</td>
<td style="width:50px;text-align:center;">PA</td>
<td style="width:234px;text-align:center;"><a href="http://www.ardentcu.org/">http://www.ardentcu.org</a></td>
<td style="width:94px;text-align:center;">811M</td>
<td style="width:92px;text-align:center;">36K</td>
<td style="width:97px;text-align:center;">-1.40%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">46</td>
<td style="width:231px;text-align:center;">Ithink Financial Credit Union</td>
<td style="width:50px;text-align:center;">FL</td>
<td style="width:234px;text-align:center;"><a href="http://ithinkfi.org/">http://ithinkfi.org</a></td>
<td style="width:94px;text-align:center;">1,687M</td>
<td style="width:92px;text-align:center;">94K</td>
<td style="width:97px;text-align:center;">-1.35%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">47</td>
<td style="width:231px;text-align:center;">Texans Credit Union</td>
<td style="width:50px;text-align:center;">TX</td>
<td style="width:234px;text-align:center;"><a href="http://www.texanscu.org/">http://www.texanscu.org</a></td>
<td style="width:94px;text-align:center;">1,792M</td>
<td style="width:92px;text-align:center;">114K</td>
<td style="width:97px;text-align:center;">-1.32%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">48</td>
<td style="width:231px;text-align:center;">People First Credit Union</td>
<td style="width:50px;text-align:center;">PA</td>
<td style="width:234px;text-align:center;"><a href="http://www.peoplefirstcu.org/">http://www.peoplefirstcu.org</a></td>
<td style="width:94px;text-align:center;">724M</td>
<td style="width:92px;text-align:center;">73K</td>
<td style="width:97px;text-align:center;">-1.31%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">49</td>
<td style="width:231px;text-align:center;">Texas Trust Credit Union</td>
<td style="width:50px;text-align:center;">TX</td>
<td style="width:234px;text-align:center;"><a href="http://www.texastrustcu.org/">http://www.texastrustcu.org</a></td>
<td style="width:94px;text-align:center;">1,475M</td>
<td style="width:92px;text-align:center;">117K</td>
<td style="width:97px;text-align:center;">-1.29%</td>
</tr>
<tr>
<td style="width:65px;text-align:center;">50</td>
<td style="width:231px;text-align:center;">Smart Financial Credit Union</td>
<td style="width:50px;text-align:center;">TX</td>
<td style="width:234px;text-align:center;"><a href="http://www.smartcu.org/">http://www.smartcu.org</a></td>
<td style="width:94px;text-align:center;">764M</td>
<td style="width:92px;text-align:center;">70K</td>
<td style="width:97px;text-align:center;">-1.23%</td>
</tr>
</tbody>
</table>
</div>
<div> </div>
<div>So where does your credit union stand is this? Also, how are you working towards managing your new member ratio? What strategies are you planning to deliver the best experience to your members so that they hold on and excite new ones to join in. </div>
</div></div>2018 CULytics Analytics Challenge Winnerhttps://culytics.com/blogs/2018-culytics-analytics-challenge-winner2018-03-14T09:34:43.000Z2018-03-14T09:34:43.000ZMedhavi Singlahttps://culytics.com/members/MedhaviSingla<div><p> </p>
<p><span style="font-size: 12pt;">CONGRATULATIONS! <strong>ANDREW LEONG</strong> and <strong>GRACE ROBERTO</strong> from <strong>SAFE CU </strong>for being chosen as the winner of 2018 Analytics Challenge. </span><br> <br> Analytics Challenge Entries were evaluated by a panel of judges consisting of </p>
<ul>
<li><strong>Shazia Manus,</strong> Chief Product and Strategy Officer, CO-OP Financial Services<strong> </strong></li>
<li><strong>Greg Mitchell, </strong>CEO, First Tech Federal Credit Union</li>
<li><strong>Shira Spector, </strong>SVP, Chief Data and Analytics Officer, Partners Federal Credit Union</li>
<li><strong>Jeff Johnson, </strong>SVP & CIO, Baxter Credit Union</li>
<li><strong>Benjamin Lundell, </strong>Scientist at Microsoft<strong><br></strong></li>
</ul>
<p>Entries were based on the following Criteria:</p>
<ul>
<li><strong>Tangible Business Impact</strong>: How valuable it is for an organization and what are the benefits?</li>
<li><strong>Ease of use</strong>: Can this be implemented in your organization with your available budget and resources?</li>
<li><strong>Innovation</strong>: How unique was your plan? Was it out of the box?</li>
</ul>
<p><br> From the large list of entries, the<strong> finalists</strong> who got a chance to present themselves at the Summit were:</p>
<ul>
<li><strong>Christopher Fox</strong>, Director - BI Reporting from 1st United CU.</li>
<li><strong>Andrew Bertrand</strong>, Data Analyst from OCCU</li>
<li><strong>Brandon Cole</strong>, Data Analytics - Business Systems Analyst from Wings Financial CU.</li>
<li><strong>Joe Horton</strong>,BI Architect from WSECU. </li>
<li><strong>Steven Simpson</strong>, VP - Strategy and Innovation from Suncoast CU.</li>
<li><strong>Sudharsan Madabusi</strong>, President & CEO, Treselle Systems.</li>
<li><strong>Grace Roberto</strong>, Senior Digital Marketing Analyst and <strong>Andrew Leong</strong>, Data Architect from SAFE CU.</li>
</ul>
<p> </p>
<p><a href="http://storage.ning.com/topology/rest/1.0/file/get/13925185?profile=original" target="_self"><img class="align-full" src="http://storage.ning.com/topology/rest/1.0/file/get/13925185?profile=RESIZE_1024x1024" width="750"></a></p></div>Top Business Intelligence Technologieshttps://culytics.com/blogs/best-business-intelligence-technologies-for-credit-unions2017-08-13T22:30:00.000Z2017-08-13T22:30:00.000ZCULytics Adminhttps://culytics.com/members/CULyticsAdmin<div><div class="bestof">
<p>In a data-driven environment, Credit unions need to keep up with the rapidly transforming financial industry. Business Managers are now drawn to the use of Business Intelligence (BI) technologies for insights about customer behavior, identification of areas of improvement to further streamline operations and engagements, improvement of overall efficiency, etc. Modern BI technologies put the power of data in the hands of the business users from IT-led reporting.</p>
<p><a href="{{#staticFileLink}}112374129,original{{/staticFileLink}}" target="_blank"><img class="align-center" src="{{#staticFileLink}}129666509,RESIZE_710x{{/staticFileLink}}" alt="129666509?profile=RESIZE_710x" width="710" /></a></p>
<p><span style="font-weight:400;">According to Gartner, a leading industry analyst firm, BI is an umbrella term that includes the application, infrastructure, technologies and best practices that enable access to and analysis of information to improve and optimize decisions and performance,</span></p>
<p><span style="font-weight:400;">Unlike other data fields like machine learning, big data, etc. BI focuses on interpreting data to provide business leaders with the visualization and insight that data can provide, which positions them to make better decisions. BI is not same as big data which primarily focuses on the generation and management of huge amounts of varying data from a variety of sources. Machine learning involves developing statistical models from datasets to help organizations do a better job of forecasting, while BI is a system that has the ability to handle data generation, collection, analysis, reporting, and forecasting.</span></p>
<p><span style="font-weight:400;">Credit Union data leaders face countless choices when selecting the right BI tool that will deliver value to them and give them an edge over competitors.</span></p>
<h1>Key considerations when acquiring right business intelligence technology</h1>
<p><span style="font-weight:400;">Software acquisition is a critical concern to firms worldwide, and the magnitude of its impact on the inner workings of firms is expected to grow. BI is no exception. Currently there are many BI products ranging in power from simple reporting technologies to sophisticated BI platforms. Business owners and chief information officers must consider various factors in their decision making.</span></p>
<p><span style="font-weight:400;">Here are the key considerations to keep in mind when acquiring new BI Technology.</span></p>
<h2>Integration and Compatibility with existing technologies</h2>
<p><span style="font-weight:400;">The more compatible a BI tool is, the higher the chance it will be adopted by the organization. Most banks already have operational systems like ERP or CRM in place, so they will want a BI tool to be an ‘add-on’ to their existing IT set-up rather than a stand-alone system. Most financial institutions already have existing database technologies as well as enterprise portals. Sixty percent of organizations are analyzing and integrated data from at least six data sources according to a Ventana research study. Adding BI technologies to the existing systems will cut down implementation costs, improve product adoption among end-users, increase productivity and efficiency and permit users to blend data from various sources while creating relationships with them.</span></p>
<h2>Functionality</h2>
<p><span style="font-weight:400;">One of the key criteria every chief information officer must consider is the functionality of the BI tool they wants to employ. Since there are so many BI technologies in the market, these technologies offer different functions and it is important for the information officer to understand the business key performance indicators (KPIs) and the right tool to analyze them. Data discovery is an important function when considering purchasing a BI tool. This feature allows the users to get better understanding of the data from different sources within their organization. Another key feature one must consider is the associative user experience. Most Traditional BI solutions use predefined paths for data exploration while others allow users to take whatever route they want (they work the way the user’s mind works). The BI tool must have a variety of visualization tools like bar, line, pie, area and radar charts as well as pivot tables, heat maps and the ability to combine two or more of the tools .</span></p>
<h2>Education and Ramp-up</h2>
<p><span style="font-weight:400;">The sole purpose of a business intelligence tool is to put the power of data in the hands of business users. Business users should be able to ramp-up on the technology quickly otherwise it becomes tedious to maintain. In a study conducted by Information Week to find the most important factor for realizing the value of a software deployment, 70% of the respondents chose “how effectively the user community adopted the software.” There is a strong correlation between user-friendliness and user adoption. The shorter the learning curve is for training a new user, the better it is. Training the users on how to use the BI tool is a challenge because there is no single way to approach it. The BI tool must provide collaborative materials like audio-visuals and ‘how-to’ tutorials on the user’s profile which can help bring the user up to speed which increases the adoption rate.</span></p>
<h2>Maintenance</h2>
<p><span style="font-weight:400;">The Maintenance of a BI platform in a financial institution plays a major role. A study shows that 90% of software life cost is related to its maintenance phase. The BI vendor must be committed to constantly improve the software since the needs of a business change swiftly. Business owners and CIOs must note that either an IT employee or an outside third party will have to review the KPIs on the scoreboard/dashboard, modify security settings, or perform software updates. These tasks can result in a large maintenance cost down the road.</span></p>
<h2>Price</h2>
<p><span style="font-weight:400;">Cost is obviously an important factor for any business expenditure. It is wise to ensure that the selection of a BI tool is based on fit of purpose measures (the number of users, the number of metrics tracked, the duration/number of the license). In a survey of 20 enterprises in the SME sector that have implemented BI systems, 18 said the most important factor to consider when implementing a BI system is the price of the system and its implementation. The BI tool price covers internal implementation labor (deployment costs), data warehouse hardware and software, training costs and ongoing support labor (maintenance costs). As an organization evolves with their operation processes, costs resulting from upgrade policies, consultation tool customization must be considered.</span></p>
<h2>Support and Services</h2>
<p><span style="font-weight:400;">Often times when a BI system has been implemented, glitches will pop up or an end-user can’t find out how to work a particular feature on the system. The CIO must address which kind of support service will be available after the implementation of the system. Some solution companies may require you to hire dedicated support staff of your own or train an in-house staff. The options mentioned above come with their own dedicated costs.</span></p>
<h2>Deployment</h2>
<p><span style="font-weight:400;">The mode of deployment affects the selection of BI system because of the implementation time and cost. For traditional client server architecture, the client software must be developed and installed on every client node whereas for web based architecture, the web browser will be used to connect with the server. This approach will save cost and time.</span></p>
<h2>Market Reputation</h2>
<p><span style="font-weight:400;">Start by reading through reviews online or get offline referrals who may have used the platforms that you are looking for. Check if the offering is from a reputable vendor.</span></p>
<p>Determine as well if the BI technologies you’re considering are listed in the <a href="http://culytics.com/communities/solutions-gallery">CULytics Solution Gallery</a> and have reviews from peer credit union leaders. Knowing that the vendor has good reviews ensures that it has a high level of commitment for the credit union industry. Moreover, a reputable vendor helps build trust and eases the worry on whether the company is investing on the appropriate BI technology.</p>
<h1>Best BI Technologies for Credit Unions:</h1>
<div class="entry-item non-partner">
<div class="entry-header">
<div class="detail"><!--div id="ibi" class="vendor">
<h2>1. Information Builders</h2>
<p><span style="font-weight: 400;">Information Builders is a 40-year-old privately held software company whose vision is to become the leader in Business Intelligence, Data Integration and Data Quality Solutions. Information Builders has a lot of BI services which are all integrated into WebFOCUS BI and analytics platform.</span></p>
</div>
<div class="logo"><img src="http://storage.ning.com/topology/rest/1.0/file/get/2161053?profile=RESIZE_320x320" alt="2161053?profile=RESIZE_320x320" width="200" /></div>
</div>
<div class="entry-summary">
<h3>Considerations</h3>
<p><span style="font-weight: 400;">Most CIOs choose Information Builders WebFOCUS because of its ability to process large amount of data in a short period time based on its architecture. It includes built-in ETL and data capabilities (it can blend disparate data together) and robust BI administration.</span></p>
<p><span style="font-weight: 400;">In an era where data can be fetched from different sources, WebFOCUS has the capabilities to integrate with third party products with REST API. Information Builders WebFOCUS offers more than 300 different connectors including DB2, Greenplum, etc. With this tool, one can seamlessly manage big data.</span></p>
<p><span style="font-weight: 400;">The platform offers users the option to choose either the native or web apps. With the WebFOCUS app studio, users can build apps and run them on any browser or device. Another module in WebFOCUS pack is Mobile Faves that enable users to access the reports and dashboards either on IOS or Android devices.</span></p>
<p><span style="font-weight: 400;">Since Information Builders WebFOCUS has a lot of modules and most work differently, the end-user must invest lot of time and resources to understand each module to know how to run them.</span></p>
</div>
</div>
<div class="entry-item non-partner">
<div class="entry-header">
<div class="detail"> </div-->
<h2>1. BIRST</h2>
<p><span style="font-weight:400;">BIRST has evolved as one of the premier BI analytics tool in this sector. Built on top of a next-generation multi-tenant cloud architecture and driven by machine learning technology patents, this tool allows organizations to get consistent data at a relatively fast pace.</span></p>
</div>
<div class="logo"><img src="http://storage.ning.com/topology/rest/1.0/file/get/2161028?profile=RESIZE_320x320" alt="2161028?profile=RESIZE_320x320" width="200" /></div>
</div>
<div class="entry-summary">
<h3>Considerations</h3>
<p><span style="font-weight:400;">A key phase of data analysis is the extract, transform and loading phase. Where most BI technologies require a solution to perform this process for them, with BIRST, raw data is imported into this platform, it automatically carries out ETL to process the data making it ready for deep analysis and reporting. BIRST offers an automated ETL-process which saves the organization the cost of purchasing an independent ETL solution.</span></p>
<p><span style="font-weight:400;">BIRST’s platform is cloud-deployed system. For a system to be sole cloud based it must be relatively flexible and scalable compared to other BI technologies. Another advantage this option offers is that the total cost of deployment and implementation is relatively cheap since there is no need for on-site equipment and installation.</span></p>
<p><span style="font-weight:400;">BIRST offers a wide range of connectivity with CRM and ERP systems as well as other BI technologies like Salesforce and Tableau. This feature allows developers to build their own connections with other third-party vendors to explore more possibilities.</span></p>
<p><span style="font-weight:400;">Although BIRST offers good user interface for end-users, they may be required to go through some training to be brought up to speed to fully implement the software features. Another reason why the learning process is difficult is the limited online resources/ materials. Compared with other BI technologies that have vibrant online user communities, BIRST has a lot of work to do in growing their help community.</span></p>
<p><span style="font-weight:400;">Although BIRST offers a better deployment cost thanks to its web-based approach, the pricing plan may still turn off prospects who are interested in purchasing their tool because their price plan is not transparent.</span></p>
</div>
</div>
<div class="entry-item partner">
<div class="entry-header">
<div class="detail">
<h2>2. Domo</h2>
<p><span style="font-weight:400;">Rated as a robust and effective self-service tool, Domo finds itself among other top BI technologies as a result of its wide connectivity and cloud based system. Most users prefer Domo because of its approach focusing on top management executives experience with its user friendly interface to help make quality decisions.</span></p>
</div>
<div class="logo"><img src="http://storage.ning.com/topology/rest/1.0/file/get/2161081?profile=RESIZE_180x180" alt="2161081?profile=RESIZE_180x180" width="100" /></div>
<div class="entry-summary">
<h3>Considerations</h3>
<p><span style="font-weight:400;">Domo is positioned at the top of the BI niche because it is a mobile-compatible platform with cloud delivery that gives top executives freedom to access reports and dashboard via IOS and Android apps on the go. All the functionality on the desktop is available on the mobile.</span></p>
<p><span style="font-weight:400;">With the Domo App store, users can create and customize their apps and blend data from different sources (third-party integrations) to perform a robust data analytics.</span></p>
<p><span style="font-weight:400;">Aside from its friendly user interface that enables users to develop a story via its data storytelling toolkits, Domo Buzz allows employees to communicate in real time as well as trigger instant notifications as significant data changes occur.</span></p>
<p><span style="font-weight:400;">Although most companies are excited about the cloud deployment Domo offers, some companies still prefer on-site deployment especially when they have existing on-site solutions. This option might be less business friendly for financial institutions that need an ‘add-on’ solution.</span></p>
</div>
</div>
<div class="entry-item non-partner">
<div class="entry-header">
<div class="detail">
<h2>3. Microsoft Power BI</h2>
<p><span style="font-weight:400;">Launched in the 2013, Power BI is Microsoft’s data visualization solution. This is a cloud based BI and analytical service that has a range of tools that can meet an organization’s needs. This self-service BI tool was planned as an add-in for the Microsoft ecosystem but evolved as a functional tool used by banks to systematically scrutinize their data and share insights. Power BI offers fully customizable visualizations options from Bullet Chart, Calendar Visualization, Table, Heat Map, etc.</span></p>
</div>
<div class="logo"><img src="http://storage.ning.com/topology/rest/1.0/file/get/2161009?profile=RESIZE_320x320" alt="2161009?profile=RESIZE_320x320" width="200" /></div>
</div>
<div class="entry-summary">
<h3>Key Considerations</h3>
<p><span style="font-weight:400;">With the Power BI desktop app as well as 1GB Data Storage Capability, one can import flat files on their system and create, view and share personal dashboards and reports for free. For a subscription fee of $9.99/user/month, an organization can acquire the tools to create, publish and view organizational content packs while consuming live data sources with full interactivity and other features.</span></p>
<p><span style="font-weight:400;">A Microsoft Excel User can comfortably use Power BI with little or no support thanks to the data analysis expressions (DAX) scripting pattern.The DAX scripting style is a relatively simple construct used to calculate columns and measures.</span></p>
<p><span style="font-weight:400;">With a robust community of millions of users and access to learning materials via independent learning platforms like edx.org, new users can hit the ground running in little time without the aid of customer support.</span></p>
<p><span style="font-weight:400;">Power BI has a connectivity pack that can seamlessly connect data from various solutions like Google Analytics, CRM, Salesforce and other open standard-based APIs. This allows data analysts to pull data from various sources into a tool ready for analysis.</span></p>
<p><span style="font-weight:400;">Every data scientist know that data cleansing is part of the extract, transform and loading phase of data science and a BI tool must have the ability to clean the data especially when pulling from an external source. This feature is limited in Microsoft BI.</span></p>
</div>
</div>
<div class="entry-item partner">
<div class="entry-header">
<div class="detail">
<h2>4. MicroStrategy</h2>
<p><span style="font-weight:400;">MicroStrategy has evolved through time and is still most data analyst’s choice for carrying out data analysis as well as data visualization.</span></p>
</div>
<div class="logo"><img src="http://storage.ning.com/topology/rest/1.0/file/get/2161097?profile=RESIZE_320x320" alt="2161097?profile=RESIZE_320x320" width="200" /></div>
</div>
<div class="entry-summary">
<h3>Considerations</h3>
<p><span style="font-weight:400;">With the use of a mobile device, end-users can prepare data ‘on the fly’. MicroStrategy is available on Windows, Android, Mac, Linux and iPad, so it offers a wide range of access that allows users to engage with this platform and carry out analytics.</span></p>
<p><span style="font-weight:400;">Leading B2B companies use MicroStrategy because of its five V’s effects: Volume (it can handle data that up to petabyte), Variety (it can analyze structured data and unstructured data), Velocity (the data processing time is relatively fast), Veracity (the processed data is trustworthy) and Value (business users can use the processed data to make quality decisions)</span></p>
<p><span style="font-weight:400;">Most end-users of MicroStrategy have noted that there is a steep learning curve to the technology and there is a call to improve their KNOWLEDGE BASE Site.</span></p>
</div>
</div>
<div class="entry-item non-partner">
<div class="entry-header">
<div class="detail">
<h2>5. SAS Visual Analytics</h2>
<p><span style="font-weight:400;">An integral part of SAS Enterprise Solutions, SAS Visual Analytics combines BI and analytics to discover and gather insights from enterprise data. The use of this tool has helped eliminate guesswork and provides a platform for senior executives to spot trends, identify patterns and project future outcomes with analytics.</span></p>
</div>
<div class="logo"><img src="http://storage.ning.com/topology/rest/1.0/file/get/2161106?profile=RESIZE_180x180" alt="2161106?profile=RESIZE_180x180" width="100" /></div>
</div>
<div class="entry-summary">
<h3>Considerations</h3>
<p><span style="font-weight:400;">SAS has an built-in business analytics framework to help data analysts navigate and explore the workspace so designers and programmers can easily build reports and dashboard.</span></p>
<p><span style="font-weight:400;">By adopting the multi-dimensional expressions (MDX) based functionality, SAS has unleashed the possibilities for developer to build highly customized reports that can carry out drill down analysis. This model eliminates one-dimensional reporting.</span></p>
<p><span style="font-weight:400;">About 50 percent of computer users use Microsoft Office on their system, SAS offers strong synergies with MS Office.</span></p>
</div>
</div>
<div class="entry-item non-partner">
<div class="entry-header">
<div class="detail">
<h2>6. Sisense</h2>
<p><span style="font-weight:400;">Sisense is one of the finest BI technologies in the industry because of its focus on investing in the technology at the foundation of its product. Sisense offers companies that have limited IT resources and big data to analyze terabytes of data by multiple users through a single commodity server thanks to its in–memory, in-chip and single-stack architecture.</span></p>
</div>
<div class="logo"><img src="http://storage.ning.com/topology/rest/1.0/file/get/2161066?profile=RESIZE_180x180" alt="2161066?profile=RESIZE_180x180" width="100" /></div>
</div>
<div class="entry-summary">
<h3>Considerations</h3>
<p><span style="font-weight:400;">One feature of Sisense that excites its users is the drag-and-drop user interface and eye-grabbing visualization on an interactive web-based dashboard. This encourages those with little or no programming experience to carry out quality data analysis regardless of its volume.</span></p>
<p><span style="font-weight:400;">Sisense has a unique capability to handle complex and disparate data thereby eliminating the need for multiple tools like data warehousing or OLAP cubes to analyze big data all on a single commodity server.</span></p>
<p><span style="font-weight:400;">Since Sisense can run on a single commodity server independently, this causes the demand on the company’s IT department is less compared to other BI technologies. This feature encourages simplicity in the system as well as less maintenance costs.</span></p>
<p><span style="font-weight:400;">Sisense’s dashboards are web-based. When accessed on real time, they are great but it doesn’t offer powerful scheduling or print features for reports. Most business users usually generate reports on their dashboard and carry out presentations outside their BI tools via other formats. One drawback is the lack of report sharing Sisense provides.</span></p>
<p><span style="font-weight:400;">Sisense offers limited mobile functionality, it’s not as dynamic as the rest of the platform which makes for poor user experience on the go. This could turn off some prospects.</span></p>
<p><span style="font-weight:400;">Most Credit unions employ BI technologies for reporting and dashboard creation as well as predictive analytics. This predictive analytics mode will help them to improve their business processes, enhance their decision making, etc. Sisense’s predictive analytics functionality needs more maturity before it can become the right tool for a financial forecasting task.</span></p>
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<h2>7. SpotFire</h2>
<p><span style="font-weight:400;">TIBCO Spotfire is a BI tool that focuses on providing users with executive dashboards, data analytics and data visualization in three different packages: desktop, cloud and platform. This tool is designed to meet the users needs whether it is in a small organization or a group of companies. SpotFire’s core capabilities are data access, wrangling, visualizations and maps which can help a user meet their business needs.</span></p>
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<h3>Considerations</h3>
<p><span style="font-weight:400;">Spotfire offers a recommendations wizard that suggests best-practice visualizations based on the data the user selects. This is a mild hand-support Spotfire provides to support inexperienced users. Other support TIBCO Spotfire offers are online tutorials, documentation as well as a vibrant online community.</span></p>
<p><span style="font-weight:400;">SpotFire native’s connectivity to R projects enables it to deliver advanced statistical analytics, data augmentation and predictive/prescriptive analytics in real time. With this feature, the end user can drill down to find root causes of business issues.</span></p>
<p><span style="font-weight:400;">One reason why most companies employ TIBCO Spotfire is its ability to share reports and other analytical resources quickly and effectively with other users in basic formats like PDF/MS Powerpoint. This process can automated.</span></p>
<p><span style="font-weight:400;">Some users may find it difficult to customize visualization. This limits the user to fixed visual tools that might not capture the information they want to showcase.</span></p>
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<h2>8. Tableau</h2>
<p><span style="font-weight:400;">Tableau has become the gold standard in business intelligence and is most the data analyst’s choice tool. Tableau offers both desktop and online platforms which allows users to access the software anywhere (in the cloud and on site). Given that most credit unions have a lot of member PII (Personally Identifiable data) and sensitive data, Tableau cloud usage may not preferred by them.</span></p>
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<h3>Considerations</h3>
<p><span style="font-weight:400;">Tableau’s data visualization feature is high quality and it makes the tool stand-out among others. Its robust drill down and visualization tools makes data approachable for any data users. Tableau’s web browser edit capabilities gives business users light-weight editing capabilities for the dashboards within browsers without using desktop licenses.</span></p>
<p><span style="font-weight:400;">In an era where users access data on the go, Tableau has mobile apps for IOS and Android giving users mobility and data on their mobile devices. This robust mobile responsive tool offers web authentication, making it easier to have a seamless sign-in experience even in a proxy set-up.</span></p>
<p><span style="font-weight:400;">With its simple drag and drop features, this tool allows users to easily access and analyze data, build reports and dashboard and share key insights across the company.</span></p>
<p><span style="font-weight:400;">In their latest release, Tableau has improved on their REST API so BI developers can integrate with external sources using the get request. With their connectors, you can interact with other data sources like SAP, big data and DB technologies to improve the data analytics quality.</span></p>
<p><span style="font-weight:400;">When a rookie signs up on Tableau, he/she won’t feel alone thanks to the number of users in the community. The community has various forums and groups where users can interact with each other. Blogs and release notes are also available as well as the resource library that offers challenges and dashboard exhibition.</span></p>
<p><span style="font-weight:400;">For a small business who wants to acquire a BI tool for their data analysis, Tableau might not be the most cost effective choice for them. For mid-size financial institutions, they will need to install Tableau Server for enterprise service.</span></p>
<p><span style="font-weight:400;">For a credit union institution, every staff should be available to receive certain reports at a schedule defined by the administrator. This feature is not fully functional in tableau. For end-users to export or print certain reports, they must manually initiate the process and everything they need to extract data from the platform unlike other technologies which are automated.</span></p>
<p><span style="font-weight:400;">Although Tableau has a wide range of data connectivity from Hadoop, SQL and even cloud sources, it can improve on its data integration capabilities when preparing the data for analysis. Tableau is great when there is a data mart or well-defined cubes but in the absence of these functions, it is a not tool for data modeling.</span></p>
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<h2>9. QlikView</h2>
<p><span style="font-weight:400;">Qlikview is another very popular BI technology. It is well known for its product quality as an integrated BI platform that comes bundled with adequate demos and training manuals. Qlikview is easily deployable and configurable, and starts producing results very quickly.</span></p>
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<h3>Considerations</h3>
<p><span style="font-weight:400;">QlikView focuses speed, and users can locate and gather information on the system faster than other BI platforms. Its search is likened to Google’s search tool.</span></p>
<p><span style="font-weight:400;">Using an in-memory engine approach, Qlik enables users to discover and analyze data for patterns that most BI technologies can’t offer. With this tightly controlled analytics experience, organizations can explore their data and find insights that will position them to make better decisions. Data can be refreshed in real-time thanks to its in-memory processor.</span></p>
<p><span style="font-weight:400;">Unlike other BI technologies, Qlik provides a report scheduling and distribution feature called NPrinting. This enables users to share reports in different formats (MS Office and PDF).</span></p>
<p><span style="font-weight:400;">Designed to handle large amounts of data, Qlikview can do this at a relatively fast pace but this features depends sole of the server RAM. CIOs must take note of the server RAM size before considering loading larger sets of data.</span></p>
<p><span style="font-weight:400;">Although Qlikview has lot of online resources as well as a vibrant user community, one has to have a good knowledge of SQL as well as basic programming skills since developing reports on Qlikview requires a bit of coding.</span></p>
<h1>Conclusion</h1>
<p><span style="font-weight:400;">The enormous amount of data generated in the financial sector due to the daily transactions made by customers at the go, ever-changing Forex rates, interest rates etc. There is a need for credit union leaders to make timely decisions in a data driven world. The business intelligence solutions have the capacity to unearth the potentials these data have and help credit union leaders answer key questions that involves their operations, customer behavior and even their product cycle. As financial institutions become more dependent on information, collaboration and integration with multiple data sources (internal and external), the need to use the right BI tool to help management make the data driven decisions is imperative. Buying decision play a major in every organization hence data leaders and CEO of credit unions must possess the appropriate knowledge for the right tool as well as employ the tool that will serve their organization now and tomorrow.</span></p>
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<div class="entry-headline media-frame"><a class="media-img avatar-frame" href="/members/AkpofureEnughwure"><img class="photo avatar" src="http://storage.ning.com/topology/rest/1.0/file/get/13924610?profile=original" alt="Akpofure Enughwure - Contributing Writer" width="90" height="90" /></a>
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<h3 class="entry-title"><a href="/members/AkpofureEnughwure">Akpofure Enughwure</a></h3>
<h4 class="entry-profile">Contributing Writer</h4>
<div class="entry-byline">Akpofure Enughwure is a Business Intelligence Developer, Data Analyst with Engineering Background. He loves the combination of science, art and exploration that make reporting and data analysis so much fun. There is always a new request - a new challenge - that keeps the work fresh and invigorating.
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</div--></div></div></div>Data Analytics Use Cases for Credit Unions (infographic)https://culytics.com/blogs/data-analytics-use-cases-for-credit-unions-infographic2017-06-26T08:11:35.000Z2017-06-26T08:11:35.000ZRaghavan Madabusihttps://culytics.com/members/RaghavanMadabusi<div><p><a href="http://storage.ning.com/topology/rest/1.0/file/get/2161032?profile=original" target="_self"><img src="http://storage.ning.com/topology/rest/1.0/file/get/2161032?profile=RESIZE_1024x1024" width="750" class="align-center"></a></p></div>