15 Key Ratios Every Credit Union Board Should Know

There are thousands of data points you can share with your board about your credit union’s performance, the industry, and the economy. The challenge is identifying which key ratios are most important to your credit union.

If you’re looking for a list of key ratios and a deeper understanding of each, download our free online guide to 15 Ratios Your Board Should Know.

Here, we’ve narrowed it down to 15 that we think all credit union board members – regardless of tenure, credit union size, or location – should know not only by definition but also by how their credit union is performing relative to peers.

They are:

1. Share Growth
2. Loan Growth
3. Member Growth
4. Average Member Relationship
5. Loans per Member (#)
6. Loans-to-Shares
7. Net Interest Margin
8. Operating Expense Ratio
9. Non-Interest Income Ratio
10. Return on Assets (ROA)
11. Net Worth Ratio
12. Delinquency Ratio
13. Coverage Ratio
14. Members Per Employee (FTE)
15. Efficiency Ratio

These 15 ratios cover all of the basics across the income statement and balance sheet. Then we add how they provide insight into the credit union’s performance, impact, and overall health. Download the whitepaper now to get this information to share with your team and board.

Personalized Performance Scorecards For Your Credit Union

Click here to download the 15 Key Ratios and request a custom data scorecard using your credit union’s data. We’ll show you just how easy it is to pull these 15 ratios, and more.

If you’re a subscriber of Callahan’s Peer Suite and other benchmarking tools, you can log into the Client Portal to access Peer Suite to pull your credit union’s latest data and compare it to industry averages, peer groups, and individual institutions.