CFS Loan Projection Model

Every Credit Union establishes certain assumptions based on their loan policy and risk tolerance. Most credit unions don’t check to see if their actual revenue matches the original revenue expected for loans in their portfolio. While the credit union may be able to say that they are ‘profitable’ at a high level they are not able to drill into specific parts of the portfolio or specific loans to see if their loan policy is performing as expected.


The CFS Loan Projection model evaluates collateralized loans by assessing three primary components:

  • The monthly revenue that each loan was expected to generate based on the original
  • The actual revenue generated since the loan funded.
  • The projected future payment based upon the payment history and behavior.


The above information is combined to create a real time view of the loan revenue in comparison to its origination. This can be aggregated up to different levels like the portfolio, collateral type, risk rating, loan officer, etc.

Common Use Cases

  • Adjust follow up with members to engage member as they get near their actual pay-off date for a loan vs. the maturity date set at origination.
  • Assess pre-payment speeds and early run-off in the portfolio to more accurately invest in portfolio growth.
  • More critically assess the risk tolerance of the policy and its true costs to the credit union
  • Measure and improve member engagement in loan products.

Common Questions

Only loans that are collateralized and have a consistent expected payment for each term are a part of the model.

Loans that have CFS Connector (FICS, Mortgage Cadence) will be used in this model.

The model runs once a month to ensure that every loan has a chance to make a payment in that period

Yes, the expected maturity date is updated every time the model runs.

Yes, this can be used to look at trending both in terms of the total revenue of the portfolio for that period of time and the revenue expected in future periods.

Technical Details

  • Runs on SQL Server 2014/2016/2019 Standard Edition or Enterprise Edition
  • Requires access to Detailed loan balance data
  • Requires access to 3 years of loan payment history as well as loan payment history going forward.

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- CFS Data & Analytic Products

The CFS Insight way to unlocking your credit union data

Data connectors and CFS analytical models are just tools. To succeed, your data initiative needs the right process to handle the preparation, detailed integration, and well planned training and support. The CFS process will help guide your project to successful implementation and adoption.

CFS Insight Process

Step 1

Discovery Call & Demo

Start with a quick discovery call followed by a customized demo. CFS will seek to answer specific questions and show how the CFS process will apply to your data needs.

Step 2

Review Agreement

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Step 3

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As your team works on required prerequisites defined in the agreement, CFS will onboard to your technology environment and begin preparing for implementation.

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CFS will Implement the data connectors and analytic models, provide your team with training, help push your new solution to production, and provide you with dedicated ongoing support and consultation

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Credit unions want to serve their communities well. Their community may be a region, organization, or identity. But, not matter what their community looks like, credit unions want to see the their people thrive.

That’s why for more than a decade CFS Inisght has helped credit unions like your’s not only survive, but thrive!