Net Relationships Dashboard (1)

Screen ID:	IPATGRP-01
Screen Title:	Net Relationship Summary
Panel ID:	5689
Tool Number:	547
		Click here to magnify

Access this screen by selecting Tool #547: Net Relationships Dashboard.

How many new savers and net borrowers do we have at the credit union? Are there certain segments of members (by age, gender, branch, etc.) that lean more towards being a borrower? How can you highlight life cycle events within the membership and market accordingly?

With the Net Relationships dashboard you can analyze your entire membership (or a segment of it) to see how many net savers and net borrowers there are. You can even use the dashboard to identify members with a net zero relationship (typically those sitting at a zero balance) or who are net negative (negative savings accounts/overpaid loans). From a high level view of your members, you can then drill down to see patronage by month, patronage by age, and balances by age for the population segment. You can even drill down further to the member level to see their account balances by month or how their relationship with the credit union is trending (i.e. month to month look to see whether they were a borrower or saver).

With the added ability to export your results for Member Connect or for use with Common Bonds, the Net Relationships dashboard gives you the complete package of high level analysis and actionable information.

Net Savers - Members whose total savings balance is greater than total loan balance.

Net Borrowers - Members whose total loan balance is greater than total savings balance.

Net Zero - Total savings equals total loans; generally members with no savings and no loan balances.

Net Negative - Members with negative total savings balance or with overpaid loans.

NOTE: Also refer to the Learn from a Peer Net Relationship dashboard to compare your status against other credit unions in the network.
NOTE: The results of this dashboard do not include employees with an insider/employee type >0.

How to Use the Dashboard

Upon entering the dashboard, you will be presented with a screen to set your membership segment. Use the filters to narrow your segment by gender, tier level, member type, age range, and more.

"Analyze data for year" allows you to decide whether you look at historical data or current year data. This program pulls data from a file that records end-of-month balances for every account, each year (MBRBAL). When using a past year, the members' net saver/borrower status will be based on Dec 31 of that year--this is best for looking at your membership as a whole as of a past date. Since the file gathers the data after every month, using the current year will give you the most accurate data for acting on--we suggest using current year if you plan on contacting members.

Press Enter to proceed to the second screen to see the breakdown of the segment by their net relationship status.

Field Descriptions

Field Name	Description
Analyze data for year	Defaults to current year. You may select from 2013 to present year (we began populating the file used in this dashboard in 2013; prior data is not available).
Branch	Defaults to blank/all. Use the select button to pick only members assigned to a particular credit union branch.
Gender	Defaults to All. Select alternatively Female, Male, or Other.
Tier level	Defaults to All. Use dropdown to select members in one of four Tiered Service levels (Basic, 1, 2, or 3).
Member type	Defaults to All. Select between individuals, organizations, or all.
Age range	Enter an age range between 0 and 999. Leave fields blank for all ages.
Active/Closed	Defaults to All. Use to isolate only accounts still open or closed as of the end of the year analyzed.
Exclude written off loans	Excludes written off loans when calculating net relationship status.
Member designations	Defaults to blank/all. Use the Select button to reveal a screen where you can select the desired Membership Designations. Use the Ctrl key and select the required Designations. Once selected, the count will appear next to the Select button.
Application type	Defaults to blank/all. Use the Select button to reveal a screen where you can select the desired Application Type (SH, SD, CD, etc.). Use the Ctrl key and select the required applications. Once selected, the count will appear next to the Select button.
Dividend application	To include only specific share types, use the Select button to reveal a screen to select one or more dividend applications. When you return to the screen, the count of the items selected will appear next to the button.
CD type	To include only CDs of a specific type, use the Select button to reveal a screen to select one or more CD types. When you return to the screen, the count of the items selected will appear next to the button.
Loan category	To include only loans with a specific loan category, use the Select button to reveal a screen to select one or more loan categories. When you return to the screen, the count of the items selected will appear next to the button.
Business unit	To include only accounts with a specific business unit codes on the report, use the Select button to reveal screen to select one or more business units. When you return to the screen, the count of the items selected will appear next to the button.
Tiered Service goals	To include only members that meet certain Tiered Service goals (e.g. has credit card, online banking, eStatements, etc.), use the Select button to reveal a screen to select one or more goals. When you return to the screen, the count of the items selected will appear next to the button.
Employee type	To include only members of a certain employee type (member, employee, director, etc.), use the Select button to reveal a screen to select one or more goals. When you return to the screen, the count of the items selected will appear next to the button.