Quantify Your Risk. Measure Your Advantage.

Credit union leaders require reliable, interpreted data to navigate risk and identify opportunities. The CU HealthScore platform is a proprietary diagnostic engine designed to track metabolic health, benchmark performance against peers, and quantify risk reduction.

The 65% Advantage

Risk management is a measurable, ROI-driven strategy. Grounded in rigorous statistical analysis of two decades of credit union data, our logistic regression model reveals a precise correlation: For each one-point increase in a credit union's HealthScore, the odds of failure within the subsequent year are reduced by approximately 65%.

This metric provides a clear, quantitative target for resource allocation and strategic planning.

17 Component Scores

The overall HealthScore provides a top-level summary. The platform then breaks down the institution's health into 17 specific component scores across Capital, Asset Quality, Earnings, and Efficiency. These individual metrics identify the precise drivers of risk or outperformance, visualized against industry benchmarks.

Platform Features

• Risk Tiers: Every credit union is categorized into Tier 1 (Low Risk), Tier 2 (Medium Risk), or Tier 3 (High Risk) using a rules-based logic engine with capital safety overrides.
• Deep-Dive Profiles: Access 17 tabbed charts for any credit union to identify the root cause of risk and track historical performance trends.
• Custom Watch Lists: Build personalized portfolios for peer benchmarking, competitive analysis, and third-party risk monitoring. Add custom context notes to document institutional knowledge.
• Macro Industry Trends: Monitor system-wide risk migration and identify emerging headwinds using aggregated industry data.

Data-Driven Decision Making

Credit Union executives use the CU HealthScore platform to justify resource allocation, set tangible board goals, and proactively manage their strategic direction.

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