Concentration Risk - Membership Breakdown

Screen ID:

Screen Title:

Panel Number:

Snap Shot:

IRSKANL-05

Membership Breakdown

4595

þ As of Month End

¨ Right Now

Click here to magnify

Access this Membership Analysis screen by selecting "Member View" (F10) on the initial Concentration Risk Analysis screen.

NOTE: Because this dashboard uses end-of-month data, activity during the current month will not be included in this analysis.

Create full-color PDFs of the data on the screen – PDF Exports

Learn about downloading data to Excel or acomma-delimited file

Dashboard Tips – Questions to Ask When Comparing a Dashboard with Another Dashboard or Report

Using this Screen

At the Membership Breakdown screen, you can analyze the portfolio by credit score. For example, your credit union might have a large percentage tied up in D and E paper both as a number of loans and as a percentage of net worth. After doing this analysis, you will have a very good idea of how much risk your institution has undertaken and whether this risk suggests that your will come under examination scrutiny.

Field Descriptions

Field	Description
Concentration Risk	The concentration risk of the segment.
Net worth	The net worth, entered on the first concentration risk screen.
# Loans	The number of loans included in the segment.
Segment Total, Member Total, Average, High, Low This section shows the totals for the segment, for the members in the segment (for their participation throughout the credit union), as well as the average, high, and low figures for the segment, for the following items: Loan balances Savings balances Members Age Current length of membership NOTE: The Member Total column figures deal with the member's loan and savings balances, including accounts not included in the loan segment.
New Loan Figures This section shows the count and total current loan balance of new loans during the current and previous four quarters, as well as the totals for that period. NOTE: Since data on this screen is populated from previous month files, if you are in the first month of a quarter, the data for Current quarter will not be populated.
Credit Score Breakdown This section breaks down the loans by credit score. The initial breakdown is by typical A, B, C, D and E paper credit scores. You may adjust these numbers, but they will revert back to this breakdown each time you return to this screen. Any changes to these ranges is not saved. This section lists the number of loans, percent of loans, balance percent of total loan balance, and percent of net worth for each paper score range.
Delinquent Figures This section breaks down the loans included in the segment by their delinquency, documenting the following about the delinquent loans over different delinquency ranges, including: IMPORTANT: Loans are considered delinquent on this screen if they are at least sixty days delinquent. Total count, Percentage of count of loans in segment Percentage of count of delinquent loans in segment Total balance of delinquent loans Percentage of loans included in the segment Percentage of delinquent loan balances
Tiered Services This section breaks down by Tiered Services score, listing the following for each level: Number of members whose loans are included in the segment Balance of loans included in this segment Percentage of total balance included in this segment.