For retail banks and credit unions
Where net interest income came from this month, and what moved it. Which products grew balances and gave the margin away. Which segments hold the fees. Which branches and channels are opening accounts that never fund. From the product, balance and fee files you already produce, reconciled to the ledger.
A rise in income can be more balances at a thinner margin, and a flat month can hide a product growing and another running off. Covirage splits each movement into balance, rate and mix, by product and segment, and the lines sum exactly to the change in the ledger.
Net interest income by product and segment, with each period's change split into the three drivers and reconciled.
Fee and commission income by line, with customers paying, average per customer and the movers.
Accounts opened by branch and channel against accounts funded and active, so volume targets do not hide empty accounts.
Three steps, in this order.
What a region, a branch, a product and a segment are called in your files.
Balances and rates by product, fee income, and account openings. Totals are checked against the ledger figure you give.
Where did income come from, what drove the change, and which branches explain it, with the rows behind each answer.
Short answers. The Help center has the long ones.
No. Customer and account identifiers are enough. Names never need to leave the bank.
Change in margin multiplied by the prior balance, by product. Balance effect is change in balance at the prior margin, and mix is what remains. The three sum to the total change, and that is checked.
Average balances and rates or interest by product and segment, fee income by line, and account openings. A cost center file adds the cost side.
Analytics software for retail banking, compared · Alternatives to named products
Written for this industry: the measures, the data you already hold, and the arithmetic.
Measure online banking activation, active usage and task completion from aggregate exports. Follow a worked channel comparison, exact spreadsheet formulas and reconciliation checks.
Oct 25, 20265 min readChurn in banking separates closed products, lost relationships and inactive accounts. Reconcile all three to a fixed opening cohort and compare the relationship revenue attached to each outcome.
Oct 16, 20265 min readA bank operations manager needs measures of processing speed, accuracy, queue health, and cost. This guide works a branch comparison from aggregate exports and shows the checks that make the figures useful.
Oct 4, 20266 min readCredit union liquidity measures compare cash, short-term investments, loans and funding balances. Follow an NCUA-defined ratio through a worked balance-sheet example, then connect the result to cash availability and ownership of the follow-up.
Oct 1, 20266 min readCompare retail banking interest and fee income using branch, product and customer segment exports. Separate balance changes, effective rates, account activity and realized fees, then reconcile the result to the ledger.
Sep 29, 20265 min readCompare credit union earnings, capital, lending and asset quality with consistent formulas. Work through two years of financial inputs, check the balances and distinguish management indicators from regulatory capital calculations.
Sep 21, 20266 min read