Helping Credit Unions Transform to a Data-Driven Decision Culture
Helping Credit Unions Transform to a Data-Driven Decision Culture
cubi.pro

Our Solutions Work For You

Our Solutions Work For You

Our Solutions Work For You

Our products and services are designed to meet credit unions where they are on their data analytics journey and immediately help them solve problems, because we work for you.

Our products and services are designed to meet credit unions where they are on their data analytics journey and immediately help them solve problems, because we work for you.

Our products and services are designed to meet credit unions where they are on their data analytics journey and immediately help them solve problems, because we work for you.

Stuff We Think You May Find Interesting About Us

Credit Unions are a unique type of financial institution, offering the same products and services as much larger banks, but with fewer resources. The upside is that credit union members often receive products and services at a lower cost from a credit union than they would from a bank. The downside is that less income creates constraints on what credit unions can invest in to improve internal processes. Because of this, many credit unions have been reluctant or unable to make signifcant investments in internal Business Intelligence (BI) tools or internal data analysts. CUBI.Pro was built to help bridge this gap, specifically in the credit union space. We are the CU's BI pros.

MichaelOur team of Data Scientists have been working with credit unions for the last two decades, helping them adopt internal strategies to capture and visualize important, actionable data. We are not academics, we are practitioners. Because we have specifc industry expertise, supporting hundreds of credit unions and having worked closely with regulators and trade organizations, we are able to help our partners quickly identify actionable insights that can drive solid business decisions. Instead of taking a one-solution-for-all approach, we work with each client to identify a BI strategy that works for them, whether that is software or soft skills.

Maybe your credit union is just beginning its data journey, we can work with your team to outline a strategy and coach your team to successfully implement their first project. Maybe your credit union is looking for a technology to use in an existing BI strategy. Because of our experience working with all of the major technology providers and building our own simple to use tools, we can help guide your team to a solution that works for you. Or, maybe your credit union is seeking to outsource your entire BI strategy, our team can act as a extension of your team, working closely with you to achieve the results you desire.

Stuff We Think You May Find Interesting About Us

Credit Unions are a unique type of financial institution, offering the same products and services as much larger banks, but with fewer resources. The upside is that credit union members often receive products and services at a lower cost from a credit union than they would from a bank. The downside is that less income creates constraints on what credit unions can invest in to improve internal processes. Because of this, many credit unions have been reluctant or unable to make signifcant investments in internal Business Intelligence (BI) tools or internal data analysts. CUBI.Pro was built to help bridge this gap, specifically in the credit union space. We are the CU's BI pros.

MichaelOur team of Data Scientists have been working with credit unions for the last two decades, helping them adopt internal strategies to capture and visualize important, actionable data. We are not academics, we are practitioners. Because we have specifc industry expertise, supporting hundreds of credit unions and having worked closely with regulators and trade organizations, we are able to help our partners quickly identify actionable insights that can drive solid business decisions. Instead of taking a one-solution-for-all approach, we work with each client to identify a BI strategy that works for them, whether that is software or soft skills.

Maybe your credit union is just beginning its data journey, we can work with your team to outline a strategy and coach your team to successfully implement their first project. Maybe your credit union is looking for a technology to use in an existing BI strategy. Because of our experience working with all of the major technology providers and building our own simple to use tools, we can help guide your team to a solution that works for you. Or, maybe your credit union is seeking to outsource your entire BI strategy, our team can act as a extension of your team, working closely with you to achieve the results you desire.

 

Benchmark Reporting

Critical market information can help you better strategize for the future. COMING SOON!

While it is important to know how your credit union's performance has improved over time, more important is to know how your improvement ranks with other credit unions and the market.  Cubi.pro aggregates data from various sources and presents it to you in one quarterly document that is emailed stratight to you.  No need to spends hours researching these statistics on your own from multiple websites or logging into a complicated online portal, your CU Market Benchmark report is prepared by analysts just for you.

You can purchase a one-time CU Benchmark Report for only $750, or you can subscribe to receive four quarterly updates for only $2,200, which includes an annual report, to make sure you are up-to-date with recent changes in your market.

Cubi.pro's CU Benchmark Report will provide you with insight into the followng metrics:

  • Asset and Liability Growth
  • Asset Quality
  • Efficiency and Profitability
  • State and Regional Economic Trends
  • State and Regional Housing Prices Index's
  • Market updates

Critical market information can help you better strategize for the future. COMING SOON!

While it is important to know how your credit union's performance has improved over time, more important is to know how your improvement ranks with other credit unions and the market.  Cubi.pro aggregates data from various sources and presents it to you in one quarterly document that is emailed stratight to you.  No need to spends hours researching these statistics on your own from multiple websites or logging into a complicated online portal, your CU Market Benchmark report is prepared by analysts just for you.

You can purchase a one-time CU Benchmark Report for only $750, or you can subscribe to receive four quarterly updates for only $2,200, which includes an annual report, to make sure you are up-to-date with recent changes in your market.

Cubi.pro's CU Benchmark Report will provide you with insight into the followng metrics:

  • Asset and Liability Growth
  • Asset Quality
  • Efficiency and Profitability
  • State and Regional Economic Trends
  • State and Regional Housing Prices Index's
  • Market updates

 

 

Forecasting

Accurate forecasting enables you to better manage external economic changes, profits and losses.

Every business has to forecast to ensure that future planning makes financial sense.  Many businesses find forecasting simple because they have countable inventory and easy to calculate margins.  For financial institutions, the process is more complex due to a number of factors affecting future growth and profitability.  In a typical credit union asset portfolio, there are changes in growth rates, cost of funds, losses and expected life of loan that can constantly change.  Cubi.pro can help make the forecasting process much easier, using data modeling and predictive analytics that take all of these factors into common.  Forecasting models are also a key to calculating Current Expected Credit Losses (CECL), and custom models perform better than generic models offered by many providers. Cubi.pro will analyze your asset portfolio and build predictive models that will help you make data-driven strategic decisions for risk management and Asset and Liability Managment (ALM).

Here are some of the factors that are considered when building an accurate predictive model:

  • Loan Growth
  • Repayment Speeds & Historic Losses
  • Significant Default Factors (i.e. DTI, PTI, LTV, Income, etc.)
  • External Economic Factors
  • Costs of Funds, Interest Rate and Market Pricing
  • Deposit and Transaction Trends

Accurate forecasting enables you to better manage external economic changes, profits and losses.

Every business has to forecast to ensure that future planning makes financial sense.  Many businesses find forecasting simple because they have countable inventory and easy to calculate margins.  For financial institutions, the process is more complex due to a number of factors affecting future growth and profitability.  In a typical credit union asset portfolio, there are changes in growth rates, cost of funds, losses and expected life of loan that can constantly change.  Cubi.pro can help make the forecasting process much easier, using data modeling and predictive analytics that take all of these factors into common.  Forecasting models are also a key to calculating Current Expected Credit Losses (CECL), and custom models perform better than generic models offered by many providers. Cubi.pro will analyze your asset portfolio and build predictive models that will help you make data-driven strategic decisions for risk management and Asset and Liability Managment (ALM).

Here are some of the factors that are considered when building an accurate predictive model:

  • Loan Growth
  • Repayment Speeds & Historic Losses
  • Significant Default Factors (i.e. DTI, PTI, LTV, Income, etc.)
  • External Economic Factors
  • Costs of Funds, Interest Rate and Market Pricing
  • Deposit and Transaction Trends

 

 

Consulting

Sometimes you just need an extra set of eyes on a challenge.

It is often difficult to conquer challenges when  you are knee deep in the work.  Cubi.pro's professional consulting staff can help you at those times when you just need an extra set of eyes - or hands.  With almost three decades of financial institution experience, twenty of those years specifically working with credit unions, our consultants have a wealth of knowledge and skills to help you with your lending, operational and marketing challenges.

Cubi.pro engagements vary in size and complexity.  Every consulting engagement is tailored for the needs of the individual client.  Most importantly, we work to help you solve your challenges within your budget.

Here are some examples of Cubi.pro engagements from the past:

  • Technology Optimization (Decision Engine Setup, Workflow, Integration)
  • Technology Acquisition
  • Process Efficiency
  • Member Experience
  • Product Development and Marketing
  • Strategic Planning

Sometimes you just need an extra set of eyes on a challenge.

It is often difficult to conquer challenges when  you are knee deep in the work.  Cubi.pro's professional consulting staff can help you at those times when you just need an extra set of eyes - or hands.  With almost three decades of financial institution experience, twenty of those years specifically working with credit unions, our consultants have a wealth of knowledge and skills to help you with your lending, operational and marketing challenges.

Cubi.pro engagements vary in size and complexity.  Every consulting engagement is tailored for the needs of the individual client.  Most importantly, we work to help you solve your challenges within your budget.

Here are some examples of Cubi.pro engagements from the past:

  • Technology Optimization (Decision Engine Setup, Workflow, Integration)
  • Technology Acquisition
  • Process Efficiency
  • Member Experience
  • Product Development and Marketing
  • Strategic Planning

 

 

Data Modeling

Bringing Data From Disparate Sources Into a Single Source of the Truth

Today's Data Science discipline requires a combination of technical knowledge, mathematical skill and business expertise.  The combination of these skillsets in a single human being has become the "unicorn" of Business Intellgence.  Often, it is assumed that data modeling can be done by a data base administrator, but the truth is, many DBA's lack the business expertise to understand what the data model should provide the end user.  It is important, for Business Intelligence to be meaningful, that the outputs are informative and actionable.

Cubi.pro's data scientists have a broad-based understanding of, not only data technology, but credit union specific business needs.  Leveraging this experience and expertise, credit unions can begin to use their own data to their advantage to improve member service and profitability.

Here are some items that might be included in a Data Modeling engagement:

  • Enterprise Data Requirements
  • Identification of Key Data Sources
  • Data Definitions and Mapping for Effective Integration
  • Identification of Key Performance Indicators

Bringing Data From Disparate Sources Into a Single Source of the Truth

Today's Data Science discipline requires a combination of technical knowledge, mathematical skill and business expertise.  The combination of these skillsets in a single human being has become the "unicorn" of Business Intellgence.  Often, it is assumed that data modeling can be done by a data base administrator, but the truth is, many DBA's lack the business expertise to understand what the data model should provide the end user.  It is important, for Business Intelligence to be meaningful, that the outputs are informative and actionable.

Cubi.pro's data scientists have a broad-based understanding of, not only data technology, but credit union specific business needs.  Leveraging this experience and expertise, credit unions can begin to use their own data to their advantage to improve member service and profitability.

Here are some items that might be included in a Data Modeling engagement:

  • Enterprise Data Requirements
  • Identification of Key Data Sources
  • Data Definitions and Mapping for Effective Integration
  • Identification of Key Performance Indicators

 

 

Custom Apps/Dashboards

Finding Answers, Not Creating New Problems

Where your credit union is on its data journey, will determine what your technology needs may be.  It is often not productive for an organization to purchase expensive software without knowing what it is they want that software to do, because product features can be confusing and investments can be large.  Does your credit union need a custom enterprise business intelligence platform?  Or will a smaller Software as a Service (SaaS) solution work?  But, maybe you just want a single question answered and will build on your learning over time.

Whether you work with one of our technology partners, or we help you with a single issue solution, Cubi.pro can help guide your visualization projects so that you get a return on your investment.  If you have already purchased software but need someone to implement your visualizations, we can help.  We can also build you a single-purpose visualization tool to monitor whatever Key Performance Indicator you are trying to measure

Cubi.pro's Data Scientist can help you accomplish tasks like these:

  • Daily/Monthly Executive Production, Transaction and/or Risk Dashboards
  • Monthly multi-dimensional risk and production reports
  • Lending Efficiency Dashboards
  • Delinquency and Profitability Reports
  • Member Engagement
  • Process Efficiency

Finding Answers, Not Creating New Problems

Where your credit union is on its data journey, will determine what your technology needs may be.  It is often not productive for an organization to purchase expensive software without knowing what it is they want that software to do, because product features can be confusing and investments can be large.  Does your credit union need a custom enterprise business intelligence platform?  Or will a smaller Software as a Service (SaaS) solution work?  But, maybe you just want a single question answered and will build on your learning over time.

Whether you work with one of our technology partners, or we help you with a single issue solution, Cubi.pro can help guide your visualization projects so that you get a return on your investment.  If you have already purchased software but need someone to implement your visualizations, we can help.  We can also build you a single-purpose visualization tool to monitor whatever Key Performance Indicator you are trying to measure

Cubi.pro's Data Scientist can help you accomplish tasks like these:

  • Daily/Monthly Executive Production, Transaction and/or Risk Dashboards
  • Monthly multi-dimensional risk and production reports
  • Lending Efficiency Dashboards
  • Delinquency and Profitability Reports
  • Member Engagement
  • Process Efficiency

 

 

Loan Portfolio Analysis

Keeping an Eye on Your Largest Asset

Since "credit" is the credit union's first name, it comes as no surprise that the largest asset for most all credit unions is the loan portfolio.  Because of this, the loan portfolio has the greatest impact on a credit unions profitability and receives the highest scrutiny by regulators.  Credit unions are required to monitor current loan portfolio risk on a regular basis and make adjustments to lending and portfolio management strategies based on the results.  Analyzing the multiple dimensions of a loan portfolio can be difficult and time consuming.  But, that doesn't mean that the analysis shouldn't be done.  Those that ignore this important business practice are often impacted negatively in their exams.

Cubi.pro's lending analysts can analyze portfolio performance and provide the credit union with critical feedback on strategic changes that may be required as a result.  Or, an analysis can give you the peace of mind that the portfolio is performing as expected and risks are appropriately mitigated.  Either way, you will want to know this before your next examination. Here are some of the factors that are considered when conducting a portfolio analysis:

  • Multi-Dimensional Portfolio Analysis - breaking down the portfolio into small segments by characteristics
  • Repayment Speed, Static Pool Analysis and Profitability Analysis
  • Scorecard Validation
  • Risk Migration
  • Underwriting Characteristics

Keeping an Eye on Your Largest Asset

Since "credit" is the credit union's first name, it comes as no surprise that the largest asset for most all credit unions is the loan portfolio.  Because of this, the loan portfolio has the greatest impact on a credit unions profitability and receives the highest scrutiny by regulators.  Credit unions are required to monitor current loan portfolio risk on a regular basis and make adjustments to lending and portfolio management strategies based on the results.  Analyzing the multiple dimensions of a loan portfolio can be difficult and time consuming.  But, that doesn't mean that the analysis shouldn't be done.  Those that ignore this important business practice are often impacted negatively in their exams.

Cubi.pro's lending analysts can analyze portfolio performance and provide the credit union with critical feedback on strategic changes that may be required as a result.  Or, an analysis can give you the peace of mind that the portfolio is performing as expected and risks are appropriately mitigated.  Either way, you will want to know this before your next examination. Here are some of the factors that are considered when conducting a portfolio analysis:

  • Multi-Dimensional Portfolio Analysis - breaking down the portfolio into small segments by characteristics
  • Repayment Speed, Static Pool Analysis and Profitability Analysis
  • Scorecard Validation
  • Risk Migration
  • Underwriting Characteristics

 

 

Market Analysis

Credit Unions are local. Understanding your local market is important.

Competition in the Financial Services segment is fierce, with large national banking institutions and upstart fintechs garnering a majority of brand awareness.  But, credit unions have something these competitors don't and that is direct relationships with your field of membership.  While it often seems necessary to chase our competitors strategies, due to size and location, those strategies may not be effective for the credit union.

At Cubi.pro our award winning marketing strategies are proven to grow business by tapping into the sentiments of the member. Using market data and analysis, Cubi.pro can cut through the hype and offer usable market insights that help you build the right products and offer them to the right members.

Here are some areas where Cubi.pro can help:

  • Demographic Studies
  • Consumer Trends
  • Fair Lending Analysis
  • Innovations
  • Marketing Strategies

 

Credit Unions are local. Understanding your local market is important.

Competition in the Financial Services segment is fierce, with large national banking institutions and upstart fintechs garnering a majority of brand awareness.  But, credit unions have something these competitors don't and that is direct relationships with your field of membership.  While it often seems necessary to chase our competitors strategies, due to size and location, those strategies may not be effective for the credit union.

At Cubi.pro our award winning marketing strategies are proven to grow business by tapping into the sentiments of the member. Using market data and analysis, Cubi.pro can cut through the hype and offer usable market insights that help you build the right products and offer them to the right members.

Here are some areas where Cubi.pro can help:

  • Demographic Studies
  • Consumer Trends
  • Fair Lending Analysis
  • Innovations
  • Marketing Strategies

 

 

Outsourced Business Intelligence

You hire a professional to paint your lobby.  So why not hire a professional to do your BI?

Remember, back in the 80's, when KFC's slogan was "We do chicken right"?  Well, maybe not; but, the point is there are things that a business does well and has the resident skillset to do, and then there are things that the business either shouldn't be doing or is not inclined or equipped to do.  Your credit union may not be ready to invest in an internal enterprise Business Intelligence (BI) department or have special BI projects that are under-resourced.  But, you can't simply not do BI. You won't survive

Cubi.pro is prepared to fill the gap to help your credit union find its way on its data journey.  With years of experience working with and modeling data, we can provide you with information about your institution and the world around  you that can be used to make sound business decisions.

Here are some Business Intelligence projects that can be outsourced:

  • Monthly/Quarterly Reporting and Analytics
  • Market Research
  • Asset Analysis
  • Decision Modeling
  • Regulatory Reporting Requirements
  • Process Efficiency Analysis

You hire a professional to paint your lobby.  So why not hire a professional to do your BI?

Remember, back in the 80's, when KFC's slogan was "We do chicken right"?  Well, maybe not; but, the point is there are things that a business does well and has the resident skillset to do, and then there are things that the business either shouldn't be doing or is not inclined or equipped to do.  Your credit union may not be ready to invest in an internal enterprise Business Intelligence (BI) department or have special BI projects that are under-resourced.  But, you can't simply not do BI. You won't survive

Cubi.pro is prepared to fill the gap to help your credit union find its way on its data journey.  With years of experience working with and modeling data, we can provide you with information about your institution and the world around  you that can be used to make sound business decisions.

Here are some Business Intelligence projects that can be outsourced:

  • Monthly/Quarterly Reporting and Analytics
  • Market Research
  • Asset Analysis
  • Decision Modeling
  • Regulatory Reporting Requirements
  • Process Efficiency Analysis

 

Where We Solve The World's Problems

We'd Love to Chat

McKinney, TX
866.422.8720
Email: ds@cubi.pro

Swing by anytime *, or leave us a note:


*probably not a good idea since we don't drink coffee and our office is the size of a PO Box. But yeah, you get the idea. We're small and friendly.