Credit Union – Member Profitability

What is a Member Profitability Report? Member Profitability Reports are considered operational reports and are used by account executives and analysts to review income, expenses and profitability for individual members. Some of the main functionality in this type of report is that it enables the user to select the member and the period to see the profitability by product and in total. The rows display the products and the columns include: Average product balance, Interest rate, Transfer rate, Term, Origination date, Interest margin and amount, Monthly cost, SFAS cost, and Net profit. You find an example of this type of report below.

Purpose of Member Profitability Reports Credit Unions use Member Profitability Reports to give account managers an easy way to see how profitable a particular member relationship is. When used as part of good business practices in Production- and Account Management departments, a company can improve its profitability and member account planning, and it can reduce the chances of uninformed member discussions leading to poor decisions and offerings.

Who Uses This Type of Report? The typical users of this type of report are: Account executives, production managers, branch managers, analysts. Other Reports Often Used in Conjunction with Member Profitability Reports Progressive Production- and Account Management departments sometimes use several different Member Profitability Reports, along with financial statements, annual budgets, KPI dashboards, Member dashboards and other management and control tools.

Where Does the Data for Analysis Originate From? The Actual (historical transactions) data typically comes from member account systems and enterprise resource planning (ERP) systems like: Microsoft Dynamics 365 (D365) Finance, Microsoft Dynamics 365 Business Central (D365 BC), Microsoft Dynamics AX, Microsoft Dynamics NAV, Microsoft Dynamics GP, Microsoft Dynamics SL, Sage Intacct, Sage 100, Sage 300, Sage 500, Sage X3, SAP Business One, SAP ByDesign, Acumatica, Netsuite and others. In analyses where budgets or forecasts are used, the planning data most often originates from in-house Excel spreadsheet models or from professional xFP&A solutions.

Built for credit union finance teams and aligned with Solver's xFP&A platform, this Solver report template connects directly to your ERP data via the Solver Data Warehouse, enabling near real-time analysis with minimal setup. Designed for QuickStart deployment, it can be activated rapidly so your team can focus on analysis and decisions — not data preparation.

What is the Credit Union – Member Profitability in Solver? The Credit Union – Member Profitability is a pre-built xFP&A report template in Solver designed for credit union organizations. It delivers key financial and operational metrics in a single, easy-to-use interface — purpose-built for credit union finance workflows.

Who uses this Solver report template? Finance leaders at credit union organizations — including CFOs, finance managers, and credit union executives — use this template to get fast, reliable answers without waiting on IT or building custom reports. It supports both day-to-day monitoring and strategic decision-making.

Where does the data come from? Data is sourced automatically from your ERP system through the Solver Data Warehouse, which integrates with platforms such as Microsoft Dynamics 365 Business Central, Dynamics 365 Finance, Acumatica, Sage Intacct, and other leading ERP solutions. Core banking and loan origination systems are also supported as data sources. Once connected, the template updates in near real-time with no manual data entry required.

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