Membership counted once, properly
Accounts resolved to a single member identity, so growth is net of closures and a household opening a third certificate is not mistaken for three new members joining this month.
Industry · Credit unions
Power BI Dashboards for Credit Unions, Built on Member and Branch Data
Net member growth and attrition, share and deposit mix, loan portfolio and delinquency by branch, and non-interest income in one live view. A senior US-based engineer builds it on your core banking data, secures it by branch, and keeps it refreshing. Most builds land in 3–5 business days.
Representative dashboard — sample data
One view of the membership
Your core reports one account at a time
Core banking systems are built to service accounts, and they do that well. What they rarely do well is answer the questions a credit union's leadership team asks on Monday: is the membership actually growing or just churning, which share products are funding the loan book, where delinquency is concentrating, how much of the margin is non-interest income, and whether a branch is earning its footprint. Answering those means resolving accounts to members, joining share and loan balances to the general ledger, and holding the definitions steady from one quarter to the next.
That last part is the difference. Most credit unions already have the numbers somewhere. They exist as a member statistics report from the core, a deposit trial balance from operations, a delinquency listing from collections, and a branch summary someone assembles in Excel before the board packet — each with its own idea of what a member is and when the period closed. We fix those definitions once, in a governed model, so the figure in the board packet matches the figure the branch manager sees on Tuesday.
What we build for credit unions
- Net member growth & attrition
- Products per member
- Share & deposit mix
- Loan portfolio composition
- Delinquency & charge-offs
- Branch performance
- Non-interest income
Try us risk-free for 4 hours
Buy a block of prepaid Flex hours and, if you're unhappy within the first 4 hours, we refund you in full — no questions asked. Hours are deducted only for work you've reviewed and approved, there's no project minimum, and your banked hours never expire.
Why credit unions call us
Reporting that follows the member, not the account number
You send the request; a senior engineer maps your core, ledger, and card data into one model built for how a member-owned cooperative actually works.
Attrition visible while it's still fixable
Dormancy, balance runoff, and closures tracked by tenure and product so a segment quietly leaving shows up as a trend line rather than as a surprise in next quarter's numbers.
Share and deposit mix that explains cost of funds
Regular shares, share drafts, money market, certificates, and IRAs separated by balance, rate band, and maturity, so a shift out of core shares into term money is obvious early.
Loan portfolio and delinquency by branch
Auto, credit card, HELOC, real estate, and unsecured balances with 30/60/90-day delinquency and net charge-offs cut by branch, vintage, and credit tier rather than as one blended ratio.
Non-interest income in the same model
Interchange, courtesy pay, service charges, and wealth or insurance commissions tied back to the members and branches that generated them instead of sitting in a separate ledger extract.
Secured for branches and committees
Row-level security by branch or region, so one report serves the whole credit union and nobody circulates a spreadsheet containing every member balance in the field of membership.
What goes into a credit union model?
Three families of data. Member and account: the member master, share and loan account records, open and close dates, product codes, branch of record, and balance history from the core. Financial: the general ledger by branch and cost center, the allowance for credit losses, and the fee and interchange detail behind non-interest income. Activity: transactions, channel usage, card processor files, loan applications, and collections status. The model resolves accounts to members and joins them on branch and period, which is what makes a per-member or per-branch figure possible at all.
The hard part is agreement, not visuals. Does a member count from the day the share account opens or the day it funds? Is a joint owner a member? Is a dormant account with a $5 balance still a relationship? Does a loan belong to the branch that booked it or the branch nearest the member today? We fix those choices in the model as documented DAX measures (opens in new tab) rather than as formulas typed into individual charts, so the definition cannot quietly differ between two reports. Our Power BI data modeling and DAX service covers how that layer is built, on a star schema (opens in new tab) the way Microsoft recommends.
Which member and branch metrics belong on the dashboard?
Every credit union is different, but the set below is where we usually start. It covers the membership, the funding side, the loan book, the earnings that are not interest, and the branch network producing all of it — with the systems each figure typically comes from.
| Metric | What it answers | Typical source |
|---|---|---|
| Net member growth | Whether the membership grew after closures, by branch and period | Core member master, open and close dates |
| Member attrition & dormancy | Which segments are going quiet or leaving, and at what tenure | Core account status plus transaction activity |
| Products per member | How deep the relationship is, and where cross-sell is working | Share and loan account records resolved to member |
| Share & deposit mix | How funding splits across shares, drafts, money market, and certificates | Core share balances, reconciled to the GL |
| Loan portfolio composition | Balances and yield by auto, card, HELOC, real estate, and unsecured | Core loan records and product codes |
| Delinquency ratio | Which branches, vintages, and credit tiers carry the past-due balances | Core delinquency buckets and collections status |
| Net charge-offs & recoveries | Realized credit loss by product and origination cohort | Charge-off register joined to the GL |
| Loan-to-share ratio | How much of member money is deployed into loans | Period-end loan and share balances |
| Non-interest income | Interchange, service charges, and commission income by source | GL fee accounts, card processor files, wealth or insurance systems |
| Branch performance | Accounts opened, loans funded, balances held, and cost per branch | Core branch of record joined to GL cost centers |
Where does the data come from?
The core is the anchor. Symitar Episys, Corelation KeyStone, Fiserv DNA, Sharetec, and CU*BASE are the platforms most US credit unions run, and the extraction route depends on the vendor and your contract: a reportable database or replica, a warehouse the core vendor already populates, an API, or a dependable scheduled extract. Credit unions on Symitar can see those routes named and compared — a scheduled PowerOn extract, the Episys Data Store, or SymXchange — on our Symitar Power BI dashboard page. We establish which of those your agreement actually allows before designing around it, and we confirm the method and any vendor charge for data access in the scope estimate, because in this sector reporting access is sometimes a paid add-on rather than an included feature.
Around it sit the general ledger for branch cost centers and fee income, the card processor for interchange and card activity, the loan origination and decisioning system for applications and approvals, digital banking for channel adoption, and collections for delinquency workflow. Credit unions with long balance histories get incremental refresh (opens in new tab), which Microsoft documents, so each nightly run processes only what changed instead of reloading years of account-level detail.
How do branch managers see only their own numbers?
Through row-level security in the model. Each user account maps to a branch or region, and every visual filters to that scope automatically. It is enforced by the model rather than by which file someone was sent, so a branch manager opening the report cannot see another branch's member balances, and the executive team sees the consolidated view from the same report.
Microsoft documents the mechanism in its guide to row-level security in Power BI (opens in new tab). We configure the roles, test them against real accounts before go-live, and document who can see what — a useful artifact when an examiner or your supervisory committee asks how member-level data is controlled.
How does this line up with the quarterly Call Report?
Federally insured credit unions file a Call Report (Form 5300) with the NCUA each quarter, and the agency publishes that data along with financial performance and trend information on its Call Report data page (opens in new tab). Most boards already read a summary built from that filing, which is why we frame the dashboard around the same vocabulary: net worth, return on average assets, delinquency, net charge-offs, loan-to-share, and the operating expense ratio, using your finance team's own definitions.
The value is timing and depth. The filing tells you where the credit union stood at quarter end; the dashboard tells you the same story weekly and lets you drill from the ratio to the branch, the product, and the vintage underneath it. To be clear about scope — this is a management reporting tool that supports your filing and your examination preparation. It does not replace your Call Report process, and we do not offer regulatory or compliance advice. Boards that want the quarterly artifact itself formatted for directors should read our Power BI dashboard for board reporting page.
What does it cost, and how fast?
You buy prepaid Flex hours that never expire, with senior hourly work from $100: Starter is 20 hours ($2,500), Growth is 40 hours ($4,600), and Power is 80 hours ($8,000). Nothing starts before you approve a scope estimate, so the build is priced up front rather than billed open-ended. A first membership, deposit, and loan portfolio dashboard on a single core usually fits inside the Starter block.
Adding branch profitability, non-interest income by source, and delinquency vintage analysis generally moves a credit union to the second tier, because that is where the general ledger and card processor data have to be reconciled rather than simply loaded. There are no project minimums and hours are deducted only for work you have reviewed. That structure suits a cooperative with a fixed annual budget: bank hours once, spend them as the board asks new questions. See how prepaid Flex hours work, including the published tiers.
Who is this for?
Community credit unions running somewhere between two and a few dozen branches — large enough that assembling the board packet by hand is a real monthly cost, not so large that an internal data team already owns it. It fits CEOs and CFOs who want one set of numbers, chief lending and member experience officers who need the detail underneath them, and boards or supervisory committees who would rather read a consistent packet than a new spreadsheet each quarter. It also fits credit unions that have just merged and inherited a second core. Credit unions in the Carolinas can see how the engagement is delivered on Eastern-time hours on our Power BI consultant Charlotte page.
If your question is specifically about the mortgage desk — locked pipeline, pull-through by application cohort, and cost to originate — that belongs on our Power BI dashboards for mortgage lenders page, which many credit union lending divisions use alongside this one; if that desk originates in Encompass, the extraction and field-mapping detail sits on our Encompass Power BI dashboard page. If the blocker is not deciding what to measure but getting Episys data into Power BI in the first place, that build is covered end to end on its own page. If the need is the finance function's own budget-versus-actual and forecasting work rather than member and branch performance, start with Power BI dashboards for finance teams. Credit unions running an insurance agency CUSO will find commission and renewal reporting on Power BI for insurance brokers. Contact is form-only — send your request and we'll reply with a scope estimate.
Dashboards we build for credit unions
- Membership growth & attrition
- Share & deposit mix
- Loan portfolio & delinquency
- Branch scorecards
- Non-interest income by source
3–5
business days, typical
Prepaid
hours, never expire
You
own everything
Bank hours once and spend them as the board asks new questions. See Flex pricing →
How it works
From core extract to a number the board trusts
- 1
Send your request
Tell us your core system, how many branches you run, and which questions go unanswered today. We reply with a scope estimate and the hours needed before any work begins, including how we would extract your member and share data.
- 2
We model & reconcile
A senior US-based engineer resolves accounts to members, maps branches and GL cost centers into one model, writes the DAX for growth, delinquency, and mix, configures branch security, and reconciles balances to the ledger — typically 3–5 business days.
- 3
Publish & maintain
We publish to your Power BI workspace, set nightly or incremental refresh, and hand over the model and credentials. You own everything; we keep the refresh healthy and add views from your banked hours.
Representative perspective
Our member statistics report and our branch summary never agreed, so every leadership meeting started by arguing about whose count was right. Putting both on one model ended that in a week.Chief operating officer, community credit union
Representative perspective
Seeing net member growth instead of new accounts opened changed which branches we thought were performing. The ranking was genuinely different once closures were netted off properly.CFO, multi-branch credit union
Stop rebuilding the board packet in Excel every quarter
Tell us your core system and how many branches you run. We'll scope the task and tell you the hours before any work begins — drawn from prepaid Flex hours that never expire, with no project minimums and no obligation.
FAQ
Questions credit union teams ask
Any core that exposes a reportable database, a replica, an API, or a dependable scheduled extract. Symitar Episys, Corelation KeyStone, Fiserv DNA, Sharetec, and CU*BASE are the cores most credit unions run. Access routes and vendor charges differ, so we confirm the extraction method and any cost in the scope estimate before hours are used.
By resolving accounts to a member identity first, then counting distinct members with at least one open share or loan at each period end. New, returning, and closed members are separated, so growth is a net figure. Joint owners and business members are handled by a rule we agree with you before the measures are written.
Yes. Row-level security maps each signed-in user to a branch or region, and every visual filters automatically. One report then serves the whole credit union, which is safer and far less work than maintaining a separate workbook per branch and emailing it out each Monday morning.
They will reconcile to the same general ledger and the same period-end balances, and we build the ratios your board already reads using the definitions your finance team files under. The dashboard is a management reporting tool that supports your filing and examination prep. It does not replace your Call Report process or regulatory review.
Most requests are delivered within three to five business days of your approval, and a first member, deposit, and loan portfolio dashboard usually fits inside one prepaid block. Flex hours never expire: Starter is 20 hours ($2,500), Growth 40 hours ($4,600), and Power 80 hours ($8,000), with senior hourly work from $100.
Book a free demo
Get senior Power BI help, on demand
Tell us the task. We scope it, you approve, and a senior consultant delivers — typically in 3–5 business days. Prepaid hours that never expire.
- Prepaid hours from $100/hour — and they never expire
- Senior-led delivery — 20+ years on the Microsoft platform
- Typical 3–5 business day turnaround
- Full refund if you’re unhappy in your first 4 hours
The fastest way to reach us is the form — tell us the task and we'll reply within one business day.