CFS Member Fee Model

Credit Unions are under pressure to restructure, standardize and potentially reduce the fees assessed to members. For most Credit Unions, it is difficult to get a quick and accurate understanding of the impact to membership and the credit union financials from making changes to the fee policy.
CFS Insight’s Member Fee model can used to get a deeper understanding of how members interact with fees. It will help the Credit Unions understand and answer questions like:

  • Which members regularaly generate fees?
  • How much revenue is actaull realized in the financials from fee assements?
  • If a member’s share account becomes negative, how long does the balance remain negative?
  • How quickly does an account that goes negative recover and enter positive balance territory?

With these foundational elements, the Credit Union will be able to perform ‘What If’ analysis on the impact of changing certain conditions like restricting how often or under what conditions a member will generate a fee. This will allow the Credit Union to have data driven insight into the impact of fee policy changes before adopting such changes.

Common Use Cases

Following are a few of the more common use cases for CFS Insight’s Member Fee Model:

  • Assess which members share balance frequently becomes negative, stays negative and the duration until the balance becomes positive.
  • Perform ‘What If’ analysis on possible changes to the fee policy assessing the impact prior to rolling changes.
  • Assess the impact of debit card transactions that approve during the period when the balance is positive but post after the balance become negative.

Common Questions

The model insludesshare transactions on the core system to determine all the scenarious by which a member balance enters negative territory.

Yes, custom metrics can be added in relation to the negative balance episodes provided that data exists to consistent support the metric calculation being added.

Yes it does.

The model is refreshed monthly typically on the 1st calendar day of each month. Activity from the prior period is appended to the existing member scenarios or episodes where the member balance has gone negative.

It does not. The primary focus of this model is to assess the conditions by which a share may enter negative territory and based upon the activity in the deposit account.

Technical Details

The technical details of CFS Insight’s Member Retention Model include the following;

  • Runs on SQL Server 2014 or higher.
  • Requires the installation and licensing of CFS Insight’s Analytics Data Connector.
  • Dashboard interface included in either TIBCO Spotfire or Power BI.

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