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Albuquerque Chapter of Credit Unions

Northern NM Chapter of Credit Unions

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CUNA Training

CUNA Councils

One Hour QuickBite Teleconference

Key Financial Ratios Everyone and the BOD Should Know

June 30, 2010

10:00 a.m. to 11:00 a.m. CST

$99.00 per telephone line

Members are the most important element of every credit union though their relationships never appear on financial statements. Understanding just a few financial relationship ratios with tell you more about your credit union’s strengths, weaknesses, and options to enhance them.

This session will cover:

• Review of Balance Sheet & Income Statement Structure

Capital: Supports Risks
Capital Ratio, also called Net Worth Ratio
Loan Delinquency & Loan Charge offs belong together

• Earnings: Where Capital Comes From

Spread Analysis: Relationship between Asset Size and Income Statement
How Much Income is Needed to Support Your Growth

• Your Members – The Roots of Your CU

            Member Usage of CU Services
            Average Account Size Determines Your CUs Options

Speaker:  Carolyn Warden helps credit unions and people reach their full potential by providing financial and operation analysis, training and coaching. Warden has experienced credit union operations from all sides of the desk.  She started in the visitor’s chair as an NCUA examiner.  Quickly she learned that if she really wanted to know what she was talking about she needed to switch to the management side desk. She has been CEO & CFO of four credit unions with assets ranging from medium-average to pretty darn big.

What You Get For Your Investment:

• 1 hour training session via teleconference that provides a convenient way to train staff.

• No travel expenses or time away from the office which means you save money in your training budget.

Get Connected: It’s as easy as 1 - 2 - 3!
It’s easy and very convenient for you to participate. Here’s how it works…

1. Fill out the information below and submit registration.

2. Prior to the teleconference, you will receive telephone dial-in procedures and PIN number along with handout materials.

3. On the day of the conference gather all the attendees for a mid-morning QuickBite by placing your telephone on speakerphone, distribute copies of the handout material, and enjoy this educational snack!  Questions are welcomed and encouraged!

Cancellation/Payment Policy: Substitutions are always welcome. No-shows and cancellations received five days or less prior to the event will be invoiced for the full registration fee. Please do not send payment; your credit union will be billed. Password information and materials will be e-mailed 48 hours prior to the session.