Discover Our Use Case Library for Cutting Edge Solutions
Empowering Innovation
With the Trellance Use Case Library, learn to leverage Trellance products that enhance member engagement, operational efficiency, and risk management capabilities within your credit union.
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Use Case:
Shared Branch Analysis
Shared Branch Analysis
Dashboard: Channel Transaction Analysis
Domain: Channels
Trellance Product: Data Warehouse
A credit union can analyze its shared branch transactions by channel to identify which branches are primarily being used for transactions that could be instead accomplished through digital channels. This helps identifying actions that can improve member communication, increase digital channels adoption and optimize shared branches cost structure.
Use Case:
Remote Deposit Capture (RDC) Adoption
Credit Union Performance Analysis
Dashboard: Channel Transaction Analysis
Domain: Channels
Trellance Product: Data Warehouse
A credit union can analyze use of remote deposit capture (RDC) alongside member demographic data (i.e. residential address) to shift branch investment strategy or to optimize adoption via marketing campaigns. By looking at a map, the credit union can pin-point where members utilizing the RDC digital banking channel. Comparing that with non-digital members can help determine where RDC campaigns should be conducted.
Use Case:
Deposit Growth Analysis
Product Strategy
Dashboard: Deposit Relationships
Domain: Deposits
Trellance Product: Data Warehouse
A credit union can track historical deposits to determine the account types that are driving the overall growth (e.g., checking, savings, certificates of deposit, IRAs). Credit union users can also track new member money flows since onboarding to help guide members to the specific products and services which would benefit them based on deposit dollar amount changes.
Use Case:
Member Cash Flow Analysis
Product Strategy
Dashboard: Deposit Relationships
Domain: Deposits
Trellance Product: Data Warehouse
A credit union can analyze member relationships that are growing. Credit union users can track member money flows to help guide them to the products and services which would benefit them based on deposit dollar amount changes. This allows the CU to focus on flows before and after a significant new money event to help their members thrive through income challenges.
Use Case:
Branch Employee Deposit Performance Analysis
Employee Performance Analysis
Dashboard: Account Operator Analysis
Domain: Employees
Trellance Product: Data Warehouse
A credit union can analyze and monitor the performance of their individual branch employees realated the placement of different products such as deposit to identify areas of excellence and/or areas of improvement that should be addressed to meet the branch performance goals.
Use Case:
Branch Employee Transaction Performance Analysis
Employee Performance Analysis
Dashboard: Branch Transaction Analysis
Domain: Employees
Trellance Product: Data Warehouse
A credit union can analyze and monitor the performance of their individual branch employees realated the amount and type of transactions to identify areas of excellence and/or areas of improvement that should be addressed to meet the branch performance goals.
Use Case:
Identifying High Risk Loans
Risk Mitigation
Dashboard: Branch Loan Analysis
Domain: Loan Portfolio
Trellance Product: Data Warehouse
A credit union can identify which branches have loans at a higher risk of default. This allows the loan portfolio manager and the branch manager to take mitigating actions to coach employees on modify the loan strategies to reduce the loan portfolio risk.
Use Case:
Identifying High Risk Loans by Product
Risk Mitigation
Dashboard: Current Loan Portfolio Analysis
Domain: Loan Portfolio
Trellance Product: Data Warehouse
A credit union can identify intristic loan risk by looking at the type of loan product and at the associated credit risk trends. This allows the loan portfolio manager to understand the products which perform better than others and implement actions to improve the overall loan portfolio risk position by modifying the product placement strategies to increase/decrease the portfolio risk levels.
Use Case:
Identifying Loss %
Cost Reduction
Dashboard: Loan Charge Off Analysis
Domain: Loan Portfolio
Trellance Product: Data Warehouse
A credit union can identify distribution of cumulative loss over time. By assessing or filetering by type of product, the loan portfolio manager can identify the products which perform better than others and strategize actions to improve the overall Loan Portfolio.
Use Case:
Identifying Charge-off Trends by Credit Rating
Cost Reduction
Dashboard: Loan Charge Off Trends
Domain: Loan Portfolio
Trellance Product: Data Warehouse
A credit union can identify trends in charge-offs and loan loss by credit tier over time. This allows the loan manager to analyze current and past trends in charge-offs by credit tier that can be used to improve loan approval strategies to minimize future loan charge-offs.
Use Case:
Executive Reporting
Credit Union Performance Analysis
Dashboard: Executive Dashboard
Domain: Management
Trellance Product: Data Warehouse
A credit union executive can monitor the current performance and trending over time of key metrics such as total loan portfolio, total deposit and member base to determine any potential areas of risk/improvement to achieve the yearly credit union goals.
Use Case:
Deposit Trends by Membership Group
Membership Insights
Dashboard: Member & Account Dashboard
Domain: Members
Trellance Product: Data Warehouse
A credit union can identify members that have decling deposit trends. This will enable the credit union to identify members that are expericing situation of financial hardship. By utilizing the member data extracted from the platform, the credit union can take actions to helpthose members, but also can monitor the credit union performance against its liquidity targets.
Use Case:
Membership Trends by Branch
Credit Union Performance Analysis
Dashboard: Member Branch Account Analysis
Domain: Members
Trellance Product: Data Warehouse
A credit union can identify trends in the number of accounts opened per branch. Credit union users can utilize this data to address branches which are not meeting the new membership target. They can also analyze branch ratio of loans vs. deposit to identify areas of opportunity for improvement.
Use Case:
Deposit Distribution by Account type
Product Strategy
Dashboard: Member Relationships
Domain: Members
Trellance Product: Data Warehouse
A credit union can utilize the information about the relationship amount to conduct deposit management strategies bytype of account . For example, a credit union can target their share certificate or retirement account balances for promotion to increase longer term deposits in the portfolio.
Use Case:
Loan Operator Performance Analysis
Employee Performance Analysis
Dashboard: Lender Loan Analysis
Domain: Loan Portfolio
Trellance Product: Data Warehouse
The credit union management can analyze the performance of their loan officers in reviwering and approving new loans to identify areas of possible improvement.
Use Case:
Loan Product Performance Analysis
Product Strategy
Dashboard: Lending Relationships
Domain: Loan Portfolio
Trellance Product: Data Warehouse
A credit union can evaluate the current and past distribution of loan products to determine if the distribution aligns with their loan goals and strategy. By securing a detailed view by loan product and by branch, a credit union can quickly identify and address challenges in opening highly profitable products at the branch level.
Use Case:
Maturing Loan Retention
Product Strategy
Dashboard: Lending Relationships
Domain: Loan Portfolio
Trellance Product: Data Warehouse
A credit union can quickly identify maturing loans to take the proper actions aimed to renew the lending relationship with its members. Possible actions are: outbound calling campaigns, online banking notification or by flagging the members for interaction at the branch.
Use Case:
Loan Balance Trending
Risk Mitigation
Dashboard: Loan Portfolio Balance Trends
Domain: Loan Portfolio
Trellance Product: Data Warehouse
A credit union can analyze the detail of its total loan portfolio balance over time to determine trends and areas of possible improvement.
Use Case:
Member Mapping & Growth Strategy
Membership Growth
Dashboard: Member & Account Mapping
Domain: Members
Trellance Product: Data Warehouse
A credit union can map where their members are geographically located and compare the number of accounts and balances per each geographical area. By doing so, a credit union can determine opportunities to growth and where its strongest market locations are. This can help focus on local growth campaigns or to optimize the investment in new branches.
Use Case:
Member Demographic Analysis
Membership Growth
Dashboard: Member Age Account Analysis
Domain: Members
Trellance Product: Data Warehouse
A credit union can analyze the distribution of their members by age and gender to determine its membership demographic profile and future trending. Finding inadequate penetration within the youth population can indicate that the credit union needs to focus on new marketing strategies to tap this important segment of the population. Member gender analysis can help the credit union to monitor the gender fairness in account opening practices and potentially reduce its overall risk profile.
Use Case:
Credit Card Balance Increase
Product Strategy
Dashboard: Credit Card Relationships
Domain: Payments
Trellance Product: Data Warehouse
A credit union can analyze credit card balances by branch to determine areas of strength and opportunity in increasing card balances. The credit union can use this information to determine branches which need more focus on balance transfer campaigns or discussion with members on the benefits of using the card compared to bank or FinTech cards.
Use Case:
Credit Cards Risk Analysis
Risk Mitigation
Dashboard: Credit Card Summary
Domain: Payments
Trellance Product: Data Warehouse
A credit union can analyze their credit card accounts by risk tier to determine effectiveness in overall card risk mitigation efforts. Looking at trending by year can help determine the effect market conditions have on the card portfolio, and allow the credit union to identify strategies for mitigating risk.
Use Case:
Member Spending Analysis
Product Strategy
Dashboard: Merchant Relationships
Domain: Payments
Trellance Product: Data Warehouse
A credit union can monitor member spending by merchant to determine member spending habits. This information can be useful to promote credit card spending through merchant specific campaigns.
Use Case:
Collection Performance Analysis
Employee Performance Analysis
Dashboard: Account Collections Operator Analysis
Domain: Collections
Trellance Product: Data Warehouse
A credit union can monitor and analyze the total oustanding amount collected and reposessed by single collection operator to indentify best performing employees and their best practices to incease overall collection performance.
Use Case:
Up-Sell/Cross-Sell
Membership Growth
Dashboard: Next Best Product AI
Domain: Predictive Analytics
Trellance Product: Predictive Analytics
A credit union can identify the next two most beneficial products for every member based on member demographic and historical behavior. This use case empowers the credit union to a better match between the credit union product offering and the member real needs driving a quantifiable increase in member satisfaction, engagement and revenue.
Use Case:
Next Best Action
Membership Insights
Dashboard: Next Best Action AI
Domain: Predictive Analytics
Trellance Product: Predictive Analytics
A credit union can identify actions that could be implemented for a specific member and the best viable option to implement them. This use case uses demographic and behavioral data to recommend actions to increase product penetration, promote online channel usage, promote services through educational materials, and tailor personalized messages to increase the level of member engagement and satisfaction.
Use Case:
Member Segmentation
Membership Insights
Dashboard: Member Segmentation AI
Domain: Predictive Analytics
Trellance Product: Predictive Analytics
A credit union can segment their members into pre-defined personas based on their level of engagement and channel activity to easily identify member with low engagement and target those groups with specfic promotions and engagement campaigns.
Use Case:
Member Life Time Value
Membership Insights
Dashboard: Member Life Time Value AI
Domain: Predictive Analytics
Trellance Product: Predictive Analytics
A credit union can determine members’ actual and future value to target the most valuable members while minimizing expenses on less profitable ones.
Use Case:
Member Risk Score
Risk Mitigation
Dashboard: Member Risk Score AI
Domain: Predictive Analytics
Trellance Product: Predictive Analytics
A credit union can identify the members who are more likely to become delinquent in the future in order can tale take proactive steps and avoid delinquency management and collection costs.
Use Case:
Member Retention
Membership Growth
Dashboard: Member Retention AI
Domain: Predictive Analytics
Trellance Product: Predictive Analytics
A credit union can identify the members at risk of leaving based on their behaviors and level of engagement. This use case allows the credit union to implement a targeted approach and work with “high risk” member groups to reengage and retain them.
Use Case:
Advanced Benchmarking
Credit Union Performance Analysis
Dashboard: Advanced Benchmarking
Domain: Multiple
Trellance Product: Descriptive Analytics
See How You Stack Up: Trellance’s Advanced Benchmarking product allows you to create customized peer groups based on asset size and geographic location to see how you stack up against comparable Credit Unions. With fast and easy implementation, you can start seeing insights right away into how your credit union is performing compared to others. Using data from the Form 5300, Home Mortgage Disclosure Act (HMDA) and other industry and economic reporting, see and compare key metrics, lending trends and composition as well as profitability. Advanced Benchmarking also includes a Current Expected Credit Loss (CECL) calculation based on Weighted Average Remaining Maturity (WARM). Even if you're not using WARM methodology for your CECL calculations, use this as a way to assess reasonableness of other methodology.
Use Case:
Loan Portfolio Risk Analysis
Risk Mitigation
Dashboard: Migration Landing Page
Domain: Loan Portfolio
Trellance Product: Multi Dimensional Porfolio Loan Analysis
A credit union can utilize the comprehensive portfolio risk data to analyze the risk by loan type and propensity to migrate credit. This allows the CU to be proactive in deterring losses by completing proactive campaigns and altering loan approval policies to mitigate risk.
Use Case:
Loan Re-pricing & Profitability Analysis
Product Strategy
Dashboard: Profitability Calculator
Domain: Loan Portfolio
Trellance Product: Multi Dimensional Porfolio Loan Analysis
A credit union can use this tool to optimize their risk based pricing structure by comparing earned interest rates to the specific costs of underwriting, approving, funding and managing various loan products, credit characteristics and origination channels.
Use Case:
Current Expected Credit Losses (CECL)
Credit Union Performance Analysis
Dashboard: Summary CECL
Domain: Loan Portfolio
Trellance Product: Multi Dimensional Porfolio Loan Analysis
A credit union can streamline its processes for calculating the allowance for credit losses by having access to a wide variety of generally accepted CECL methodologies ranging from sophisticated methodologies driven by loan level data to less complex methodologies requiring no data input from the credit union.
Use Case:
Concentration Risk Assessment
Credit Union Performance Analysis
Dashboard: Concentration Risk Analysis
Domain: Loan Portfolio
Trellance Product: Multi Dimensional Porfolio Loan Analysis
A credit union can quantify the strategic risks to serve its members by analyzing the current portfolio risk, evaluating the macroeconomic volatility of the geographic areas served, and performing scenario analysis to stress test the credit risk under the harshest potential conditions.