Credit unions have never had more data on their loan portfolios — but data alone doesn’t drive better decisions. LoanStreet’s loan analytics platform is the most sophisticated analytics solution available to credit unions, turning granular loan-level data into the kind of forward-looking, quantitative insight that actually shapes balance sheet strategy.
Unlimited Scenarios, Real-Time Total Returns
Unlike competing platforms, LoanStreet’s analytics allow credit unions to run an unlimited number of scenarios to project total returns forward across any cohort of loans. The platform tracks granular prepayment histories alongside historical loss information, then projects forward every individual loan cash flow within a cohort — delivering real-time total returns rather than static, backward-looking snapshots.
Risk Analysis That Goes Deep
Total return calculations are only part of the picture. LoanStreet pairs them with a powerful array of risk analyses, including credit score migration charts, delinquency roll tables, and a host of additional borrower credit attributes — giving credit unions a genuinely complete view of portfolio performance and risk together, not in isolation.
Static and Dynamic Cohorts, Built for Real Questions
Credit unions can build static loan cohorts for straightforward comparable analysis, or create dynamic cohorts that automatically add new loans meeting specified criteria as they’re originated month to month.
That flexibility opens up the kind of questions credit unions actually want answered. A credit union might compare prime indirect auto originations quarter by quarter across a calendar year, or aggregate prime auto returns over time — combining past and future quarters — to understand the lifetime returns of an indirect auto program versus a near-prime auto program. And by calculating internal rate of return (IRR) or bond equivalent yield (BEY), credit unions can compare fundamentally different loan products — unsecured consumer loans, auto loans, residential loans — on a normalized basis, creating the foundation for genuinely quantitative conversations with ALCO committees or boards about capital deployment.
Benchmarking Against the Marketplace
Perhaps the most distinctive capability is one no other platform offers: credit unions can compare their own returns on organically originated loan cohorts directly against LoanStreet’s marketplace.
That comparison drives real strategic decisions. If a credit union is originating loans at yields superior to the marketplace, it knows it can safely increase originations — servicing more members — and then sell those loans into the marketplace to realize the value while freeing up capital for more originations. If direct originations are yielding below what the marketplace offers, the credit union gains a clear signal that pricing needs to adjust, or that capital might be better deployed by purchasing marketplace assets to diversify the portfolio.
LoanStreet’s Triple Threat
Balance sheet management, capital deployment, and pricing strategy all depend on having the right data — and the right tools to interrogate it. LoanStreet’s loan analytics platform delivers insights into all three that are simply unavailable from any other loan analytics platform, making it the premier analytics solution for credit unions navigating an increasingly competitive lending landscape.