ILCUbis Credit Union Business Intelligence Service (On ILCUnet) September 2010 Carmel Carroll, ICT Office

Transcription

1 ILCUbis Credit Union Business Intelligence Service (On ILCUnet) September 2010 Carmel Carroll, ICT Office

2 Login page Accessible only through ILCUnet.

3 Main menu Breakdown between: Financial Analysis Governance Indicators and Marketing Analytics

4 Click to Open

5 Financial Analysis Used to manage cash flow and IE.

6 Governance to keep inline with regulatory and KPI requirements.

7 Marketing Analytics Looking at CU membership statistics.

8 Clicking on any of the Financial Analysis links, opens a new window you can then navigate through the tabs as seen below:

9 This is the summary cashflow information actual and forecast for Financial year.

10 This link gives you the ability to see historical cashflow trends.

11 Actual and forecast data for Disbursements and Receipts (Summary).

12 Hovering over the data points gives you the reported values.

13 Where noted you can print or download particular reports. The underlying data can be viewed.

14 Receipts are broken down to individual line items. Forecast values can be updated in order to analyse the knock on affect.

15 Disbursements are broken down to individual line items. Forecast values can be updated in order to analyse the knock on affect.

16 Actual and forecast data for Income and Expenditure.

17 Income is broken down to individual line items. Forecast values can be updated in order to analyse the knock on affect.

18 Expenses are broken down to individual line items. Forecast values can be updated in order to analyse the knock on affect.

19 Under Liquidity Trends you can review your L1 ratio and forecast year end outcomes...

20 Forecast unattached savings...

21 Cash and current accounts...

22 And short term investments at year end.

23 Clicking on any report under Governance opens a new window You can navigate each of the reports using the tabs below.

24 Resolution 49 Analysis allows you to analyse gross loans to attached savings

25 Balance At Risk, gives you the build up of arrears.

26 Arrears Trends in Net Loan Value feeds in to your planning for year end.

27 Governance KPIs Key pearls ratios to indicate a credit unions performance EG P1 Green Dot minimum has been exceeded.

28 P3 Solvency.

29 E1 Loans, to Total Assets Red dots indicated as the goal value has not been met.

30 E5 Total Reserves/Total Assets.

31 R6 Wages/Income.

32 L1 Liquidity.

33 In Additional KPIs you see other reports which have an affect on your credit union EG Monthly Summary of New Loans. Clicking on an individual bar gives you a break down of that month s new loans

34 New loan analysis.

35 Bad Debt Management, gives comparison of deposits against loans and notes write offs and provisions where reported.

36 Benchmarking - (Part1) - This report gives the CU the ability to compare anonymously with CUs of similar asset band or membership size.

37 (Part 2) you can also see the trend comparison over previous periods.

38 This reports allows you to monitor your section 35 requirements In the image below, the red bar indicates a breach.

39 Under Sensitivity Analysis - The report below allows you to analyse the top 5 borrowers > 18 weeks in arrears...

40 ... Examine Top 5 Shares to deposit holders...

41 ... And Top 5 borrowers.

42 You can also track your Statutory Reserve Ration and...

43 ... Regulatory Reserve Ratio.

44 Where this box appears you can select the gender and account status you wish to analyse. Marketing Analytics is broken in to 3 sections and is currently only available to CUs within NI.

45 This gives you your membership by age band analysis over the last four years.

46 This chart gives you the members count by years of membership.

47 This gives you a membership count by gender and postal code.

48 You can examine your membership penetration per electoral ward in your common bond/catchment area.

49 You can review the age profile of members within a particular ward.

50 This report gives you the total savings, loans and arrears by age band.

51 This report gives you the average savings, loans and arrears by age band.

52 At any stage you can log out and leave your data securely behind the access wall.