by jensholger78

Depository Institution Data and Benchmarking | Valhalla Verticals

Valhalla Business Advisors brings expertise to depository institutions throughout the United States. Our team’s experience partnering with financial institutions over 20+ years enables Valhalla to differentiate for its clientele, including NCUA-insured credit unions and FDIC-insured banks, not only by bringing employee benefit and HR solutions, but also supporting their business through custom data resources.

Valhalla Business Advisors is a consultancy that focuses upon employee benefits advisory and brokerage services; We operate in a fiduciary capacity for our clients. We want our clients to “have their cake, and eat it, too;” Clients receive un-conflicted advice and superior value from our platform, including:

  • Employee Benefit Brokerage and Advisory Services
  • Benchmarking Support || Including from national cross-cutting datasets, credit-union specific data, as well as comparable FDIC-insured data, where desired and applicable
  • Support of strategies leveraging CUSO structures to enable credit unions to “collaborate to compete”
  • Brokerage of Bank Owned Life Insurance (BOLI) products

We have written previously about specific work for credit unions and banks.

Models || How does valhalla collect data

Valhalla Business Advisors has invested into proprietary analytics to inform discussions with credit unions across the United States by pulling all data from the NCUA, cleaning and formatting the data, and posting to Big Query for usage. There is quite a bit of variation across the nearly 5,000 credit unions included in our data set! Furthermore, we have worked with the FDIC to draw data reliably from its developer API endpoints. Valhalla now has an unmatched ability to provide updated, consolidated analytics for clients that bridge both NCUA and FDIC datasets.

12/31/23 total credit unions and banks, as well as total average assets, across NCUA and FDIC datasets. ALL observations across ten states.
12/31/23 total credit unions and banks, as well as total average assets, across NCUA and FDIC datasets. Observations filtered by assets greater than $150mm and less than $10bb across ten states.

Valhalla will continue to use these data to support business development efforts, as well. For example, the following output shows, for Virginia banks and credit unions, certain organizations with relatively low ROAA and relatively high compensation and benefits costs. (These organizations should be particularly curious about our solutions in Virginia to deliver improved benefit costs!)

This is one example of a reporting package we wrote over the data for clients:

The Valhalla advantage

Valhalla Business Advisors is extremely proud to bring boutique insights to clients; As a business leader, it is likely you haven’t seen the level of insight that Valhalla is positioned to bring to your organization; Banks and credit unions need help optimizing employee benefit programs and our team has this expertise; We help our partners reduce cost, manage risk and strategically engage employees. Feel free to reach out to us to discuss further!

SAMPLE SCOPE OF WORK

APPENDIX

Here are a few samples of benchmarking results that stand out beyond typical employee benefit analysis:

Credit Union Data || Medium Sized Credit Union Benchmarking Sample for NY, NJ, PA, MD, CT
Trailing analysis of CU specific measure against custom peers
Analysis of cumulative over (or under) performance of credit unions against banks by asset category and performance measure (in this case, NIM and ROAA)
Credit union specific performance against national benchmark.
Bank and credit union performance comparison for specified asset criteria

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