Peer Analytics

Overview

Benchmark performance and drive strategic balance sheet decisions.
The ALM360 Peer Analytics module empowers credit unions to benchmark performance, optimize the balance sheet, and gain insights into peers and competition. Leveraging a comprehensive database of current and historical Call Report data for all U.S. credit unions, Peer Analytics enables institutions to create custom peer groups, generate comparative reports, and validate internal strategies against industry benchmarks.

Key Features

• Custom Peer Grouping: Build peer groups based on asset size, geography, charter type, or other relevant criteria for tailored benchmarking.
• Comparative Reporting: Access side-by-side analysis of key balance sheet categories and financial metrics.
• Historical Data Access: Utilize a robust database of historical Call Report data to identify trends, assess performance, and support strategic planning.
• Integration with ALM360: Seamlessly connect Peer Analytics with ALM, CECL, liquidity, and investment performance reporting modules for unified, real-time balance sheet optimization.

How it Works

1. Peer Group Selection - Choose the Right Benchmark
   1. Choose relevant peer group(s) based on asset size, geography, business model, or other criteria. 
   2. ALM360 aggregates peer data from regulatory filings for accurate comparisons 
   3. Apply filters to create custom peer sets tailored to your strategic focus.
2. Compare - Turn Peer Data into Perspective
   1. Access dashboards that visualize key performance indicators (KPIs) such as liquidity ratios, capital adequacy, profitability, and interest rate risk measures.
   2. Compare your credit union’s metrics against selected peers to identify strengths, gaps, and emerging trends
   3. Drill down into historical data for trend analysis and performance evolution
3. Optimize - Turn Peer Insights into Action
   1. Use benchmarking results to validate your current balance sheet strategies.
   2. Identify best practices from top-performing peers and assess how adjustments in loan mix, investment portfolio, or funding strategies could improve your position.
   3. Integrate insights with ALM360 modeling tools to simulate potential outcomes before implementing changes.
4. Report - Deliver Clarity and Confidence
   1. Generate customizable reports for ALCO meetings, board presentations, and regulatory reviews.
   2. Export data and visuals for easy sharing. 
   3. Ensure transparency and compliance with documentation that supports strategic decisions.
      
      

Use Cases

• Peer Group Benchmarking
• Performance Trend Analysis
• Board-Level Reporting
• Regulatory Readiness