Credit Union Financial Analysis

Financial analysis, account relationships, ratios and balance sheets.

Format: lecture, exercise, Q & A and take-home materials
Length: 2-4 hours
Presented by: Dan Cox, senior consultant; Lee Kestle, senior consultant

Auditing I

Examines in detail steps taken during the initial audit visit, and various work papers involved.

Format: lecture
Length : 2-4 hours
Presented by: various ICUL staff

Auditing II

Examines details of the follow-up audit to include internal controls, reconciliation of accounts and preparation of post-audit reports.

Format: lecture
Length: 2-4 hours
Presented by: ICUL staff

Fin-Analysis Workshop (for users and non-users)

Training and education tools
ALM - definitions and concepts
Reports Spread Analysis - "re-reading" your financial statement
GAP Analysis - matching principal and re-pricing GAP
Budget Variance - comparing to plan
Budget Report - rolling 12 months of P and L trends, plus 12 months projection
Trends Report - rolling 12 months of key data, one-year projection
Ratio Comparisons - comparing to peer and regulator benchmarks
"What-If" Projections - forecasting the balance sheet
Format: various formats
Length: 3-6 hours
Presented by: Lee Kestle, senior consultant

Funds Management Workshops

Key objectives
Member relations
Human resources
Technology
Facilities
Operations
Fin-Analysis
Capital considerations
Key operating ratios
Comparison statistics
Work-shop time
Locating your own numbers
Fundamentals of spread analysis
"What-If" scenarios
Forecast modeling
Glossary of terms
Format: various formats
Length: 3-6 hours
Presented by: ICUL staff

Review of Regulatory Requirements

Covers truth in savings, Regulation E, Regulation CC, business checking accounts and death of a member.

Format: lecture, exercise and Q & A
Length: 2-6 hours
Presented by: David Hawkins, senior consultant

Deposit Account Documentation & Maintenance

Account documentation - membership and account agreement, account card, account authorization card and account charge card.

Format: lecture
Length: 2-4 hours
Presented by: David Hawkins, senior consultant

Proper Endorsements

Definition, cardinal rule, types, forgery, practical application and scenarios.

Format: lecture
Length: 2-4 hours
Presented by: ICUL staff

ICUL Checking Account Issues

Regulation, documentation and endorsement standards with practical application and various scenarios.

Format: lecture and Q & A
Length: 2-4 hours
Presented by: Dan Cox, senior consultant; David Hawkins, consultant

Loan Marketing

Create a loan marketing plan and review product development procedures and loan design.

Format: lecture
Length: 2-4 hours
Presented by: Dan Cox, senior consultant

Cross-Selling

Sales presentations, telemarketing, benefits to members and increasing employee confidence.

Format: lecture and role-play
Length: 2-4 hours
Presented by: ICUL staff​