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Swot Analysis Of Ascentra

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• 11% of Ascentra’s members is Hispanic. This percentage excludes those members who are under 16 years of age. • The gross members total can be found on page 6 of Ascentra’s October HMA. • Since inception, Ascentra’s Hispanic membership has grown 101% • The average age of Hispanic members has remained the same. However, Ascentra’s average age of new members has lowered which is a great indicator that Ascentra continues to tap into younger segments of the market. • Coopera added new charts and graphics to this HMA so we can see and analyze the data from more angles such as the New versus Long-time Members on page 14. • Ascentra’s Hispanic members are slightly more Spanish preferring. This tells the credit union tell its story about their …show more content…

This is a great indicator of Ascentra becoming the preferred financial institution for the Hispanic community. • Chart 6 in the Dashboard, indicates that Hispanics continue to lead with all loans, auto loans, and credit cards. There’s still opportunity for the credit union to help their members through that product trajectory and engagement. • Deposit balances increased quite a bit among non-Hispanic and Hispanic members. This is a common gap for other credit unions. • Chart 8 increased as well. Looking at it from a lending portfolio standpoint, Coopera encourages credit union for this percentage to mirror their Hispanic membership. • Ascentra noted they could offer a couple of bilingual mortgage opportunities similar to Community 1st Credit Union. • These products would be reflective to the financial life stage of the market. • The Federation is buying mortgage loan portfolios and this may be an opportunity for Ascentra to look into. • Coopera will send information about the Federation opportunity and mortgage loans. After review the information, Coopera and Ascentra will meet to discuss this opportunity …show more content…

• Page 14 - We dive into the data even more to look at the new members the credit union has acquired within the last 12 months. New Hispanic members are much younger than the long-time members. • Checking penetration among new members is lower than the long-time members so there’s an opportunity to engage them through the product trajectory. • Page 15 – based on Ascentra’s member data, there’s a small gap between services per member for non-Hispanic and Hispanic members. • Savings continues to be a challenge for folks in general. • Page 16 –Coopera looks at the accounts that are 60+ days delinquent to determine the delinquency rate, Coopera. For Hispanic members is a bit higher than the rest so it may be a good time to look at the look at the collection process to be proactive and help Hispanic members lower this measurement. • Coopera encourages Ascentra to explore the opportunities to build more awareness about what a delinquent account could cost members. • Page 17 – the graph helps us see where the opportunity gaps lay. There may be a need to build a comfort level with other products and services offered by

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