Credit Union of the Day:
Pegasus Community Credit Union

Located: TX  Assets: $228M  Member: 13,697 Profile - Call Report -

Welcome to CUTarget! This interactive program takes an educational approach to financial analysis to introduce actionable insights and fresh perspectives at every level of your credit union - from front line staff to the CEO and Board. Analyze performance relative to customized peer groups, understand ratios, establish meaningful benchmarks and goals, compare financial strategies, and track your progress with the latest data. CUTarget ties financial metrics to member value, strengthening the odds of credit union success in the changing financial services environment.       Our Vision
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  This Week's Hot Topic:      Asset Quality   Check out the following related CUTarget performance charts with today's featured credit union.


Callahan Peer Rating 
Performance Analysis
Delinquency can be a tricky concept. From a risk management perspective, the lower the ratio the better. Pegasus Community has a higher level of credit risk in its loan portfolio based on their delinquency ratio being higher than the peer group average. The credit union"s ability to handle this level of risk is driven ...
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Callahan Peer Rating 
Performance Analysis
Pegasus Community"s consumer loan delinquencies are above its peers. The credit union may need to review underwriting standards on consumer loans if the rate is above target. Collections procedures may also need to be updated.

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Callahan Peer Rating 
Performance Analysis
Pegasus Community’s credit card portfolio has a higher level of risk than its peers. In order for the program to maintain profitability the credit union should review the program’s pricing, underwriting policies and/or collections process.

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Callahan Peer Rating 
Performance Analysis
Real estate delinquency for Pegasus Community is below the peer group average. The credit union likely maintains high underwriting standards. Pegasus Community may also be located in an area where home prices are appreciating, reflecting favorable economic conditions.

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Callahan Peer Rating 
Performance Analysis
Pegasus Community"s delinquent loans are growing faster than the peer group average. Pegasus Community"s ability to handle this increasing level of risk should be driven by the level of return generated by the loan portfolio and the credit union"s ability to manage loan collections and losses. The delinquency ratio sho...
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Callahan Peer Rating 
Performance Analysis
Pegasus Community has a much lower allowance to delinquent loans ratio than its peer and may need to make an adjustment in the funding of its allowance account. The credit union should evaluate if its portfolio composition is different than its peers leading to this difference and if this level is appropriate historica...
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