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Turning Credit Union Financial Statements into Useful Ratios & Trends Webinar
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When: Archive only
2:00 PM
Where: In Your Credit Union
Contact: Leah Redding

Online registration is closed.
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Whether you are the head of lending, technology, or operations, you need to fully understand the bigger picture of the credit union.  This session will help you fully comprehend the credit union’s critical financial information.  You will learn that although the balance sheet and the income statement are useful, they are just the raw materials.  The real value lies in key ratios and the trends in those ratios.  After this webinar, you will know how to take information from the financial statements, calculate the formulas, and develop an essential dashboard of key ratios.  More importantly, you will know what they mean, what changes in those ratios indicate, and how to use them strategically and tactically as your credit union moves forward.


  • Capital:  what it is, where it comes from, why it’s important, and how much you need

  • ROA tools – using spread analysis to analyze problems or recognize strengths

  • Understanding and using the efficiency ratio

    • Why it’s better than the operating expense to income ratio

  • How to make sense of trends in key ratios

  • Fathoming the allowance for loan losses

  • Monitoring asset quality with more timely tools than delinquency and charge-offs



    • A financial dashboard for board and management

    • Employee training log

    • Quiz you can administer to measure staff learning and a separate answer key 

Attendance verification for CE credits provided upon request.


This informative session is designed for branch managers, department heads, supervisors, vice presidents, and anyone who wants to improve their financial skills.  It is also recommended for CEOs and managers looking for new ways to understand their financials or teach financial information to staff.  Supervisory Committee and board members will also benefit.


ABOUT THE PRESENTER – Tim Harrington, CPA, TEAM Resources

Tim Harrington is a Certified Public Accountant who specializes in working with community financial institutions.  Since 1996, Tim has been President of TEAM Resources, a firm which provides consulting, strategic planning, and training from coast-to-coast. 

A presenter at over 1,000 financial conferences, seminars, and webinars, Tim has provided consulting and training for hundreds of community financial institutions in nearly every state and four countries.  Tim advises boards and senior management teams on strategy, profitability, and governance and works with staff on leadership and lending.  In addition, he is a faculty member of three financial institution schools and is the author of the popular lending software “Lenders Tax Analyzer” and has taught lending personnel how to obtain monthly income from tax returns since 1992.


Educational Investment:

Lending Council members receive 10% discount.

Asset Size Archive Only
Over $75 million


$25 - $75 million


Under $25 million


Education Scholarship

Scholarships are available for all KCUA education events. Scholarships pay 100% of registration fee for credit unions under $25M, 50% for credit unions between $25-$75M and 25% for credit unions over $75M.



Upon registration, you will receive an email confirmation that you can print for your records. Connecting instructions will be emailed to you approximately two days before the event.

Cancellation Policy:

Sorry, no cancellations are allowed after connecting instructions and handout materials are distributed to registrants. Substitutions are welcomed and encouraged.

Please note: The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone.