"I think the problem with using efficiency ratio for evaluating branches is accurately determining revenue or asset attribution. What revenue/assets are directly attributable to a given branch? With products, the challenge is cost attribution.
"A couple of comments. Efficiency ratio can be a misleading measure of credit union operating efficiency, because credit unions return to their members "above the line" through higher rates on deposits, lower rates on loans, and lower fees. Depending…"
David Mooney is now a member of Credit Union Data Analytics and Digital Transformation Community