Performance Insights

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  • Published on Dec 2, 2025
  • 1 minute(s) read
  • Stephanie Schmidt
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Performance Insights Overview

The Performance Insights area provides credit unions with tools to evaluate their own financial performance and benchmark against peer institutions. It supports strategic planning, board reporting, and regulatory compliance by offering detailed analytics on balance sheet composition, income statement trends, and comparative metrics.

Institution Snapshot

Provides a quarterly breakdown of your credit union’s financial position and performance.

Key Benefits

  • Offers visibility into key metrics such as:
    • Investment portfolio
    • Loan portfolio
    • Funding mix
    • Balance sheet composition
    • Income statement
    • Non-performing assets (NPA)
    • Capital ratios
  • Supports internal performance tracking and board-level reporting.

How to Use Institutional Snapshot

  1. Navigate to Performance Insights > Institution Snapshot
  2. Review visual dashboards and tables
  3. Download and Export reports for ALCO or board presentations


Peer Analytics

Allows users to create custom peer groups and compare their institution’s performance against selected peers.

Key Benefits

  • Enables benchmarking across key financial metrics.
  • Supports strategic planning and competitive analysis.
  • Integrates with CECL, IRR, and profitability analytics.
  • Includes advanced scoring tools like Euclidean Distance, Earnings Score, Capital Score, Liquidity Score, IRR Score, ROA/ROE.

Peer Analytics Subsections

Manage Peer Groups: Create, edit, and organize peer groups.

How to Use

  1. Click Peer Analytics under Performance Insights.
  2. Select Create Peer Group.
  3. Name the group and use filters (e.g., ABA number, city, asset size) to add institutions
  4. Save and set as default for use in dashboards and reports

Create/Select Report: Generate detailed peer comparison reports.

How to Use

  1. Create a peer group
  2. Click Create/Select Report.
  3. Choose the peer group and reporting cycle
  4. Download the Peer Group Report for analysis and presentation


DuPont Analysis: Break down Return on Assets (ROA) into its core components.

How to Use

  1. Access DuPont Analysis from the Peer Analytics dashboard
  2. Review metrics such as Net Interest Margin (NIM), income, and expenses
  3. Use insights to identify drivers of profitability and efficiency



Peer+: Advanced peer comparison using scoring and distance metrics.

How to Use

  1. Open Peer+ under Peer Analytics
  2. Select Peer Group using the dropdown menu
  3. View comparative scores across:
    1. Earnings
    2. Capital
    3. Liquidity
    4. IRR
    5. ROA/ROE
  4. Use Euclidean Distance to assess similarity to top-performing peers


Loan Trend Metrics

Provides a historical view of loan portfolio performance, trends, and risk indicators.

Key Benefits

  • Helps identify shifts in credit quality, origination volume, and portfolio composition.
  • Supports CECL modeling and stress testing.
  • Enhances visibility into loan growth and risk exposure

How to Use Loan Trend Metrics

  1. Navigate to Performance Insights > Loan Trend Metrics
  2. Select the reporting period and loan segments
  3. Review dashboards showing:
    1. Loan Balances and Interest Rates
    2. Indicative Prices
    3. CECL Credit Reserves
    4. Origination trends
    5. Credit grade migration
    6. Prepayment behavior
    7. Risk concentration
  4. Export data for CECL analysis or strategic planning