Schema & Semantic Layer

⬇ YAML ⬇ JSON

Competitive Benchmarking Intelligence

competitive-benchmarking v2.0

Compare credit union performance against peer institutions across financial health, growth, efficiency, risk, and digital transformation

🔍

Metric Definitions

16 metrics
roa
financial_health ↑ higher

Net income as percentage of average assets - measures profitability efficiency

Unit: percent · Format: {value:.2f}%
(net_income / average_assets) * 100
Thresholds
crit low 0.2 warn low 0.4 target 0.8 stretch 1.0
net_worth_ratio
financial_health ↑ higher

Net worth as percentage of total assets - measures capital adequacy

Unit: percent · Format: {value:.1f}%
(net_worth / total_assets) * 100
Thresholds
crit low 7.0 warn low 8.0 target 10.0 stretch 12.0
net_income
financial_health ↑ higher

Annual net income in dollars

Unit: currency · Format: ${value:,.0f}
revenue - expenses
loan_growth_rate
growth ↑ higher

Year-over-year growth in loan portfolio

Unit: percent · Format: {value:+.1f}%
((current_loans - prior_loans) / prior_loans) * 100
Thresholds
crit low 0 warn low 3 target 8 stretch 12
deposit_growth_rate
growth ↑ higher

Year-over-year growth in deposits

Unit: percent · Format: {value:+.1f}%
((current_deposits - prior_deposits) / prior_deposits) * 100
Thresholds
crit low -2 warn low 2 target 6 stretch 10
member_growth_rate
growth ↑ higher

Year-over-year growth in membership

Unit: percent · Format: {value:+.1f}%
((current_members - prior_members) / prior_members) * 100
efficiency_ratio
efficiency ↓ lower

Operating expenses as percentage of revenue - lower is better

Unit: percent · Format: {value:.1f}%
(operating_expenses / operating_income) * 100
Thresholds
target 72 warn high 80 crit high 85 stretch 65
cost_per_member
efficiency ↓ lower

Annual operating cost per member - lower is better

Unit: currency · Format: ${value:.0f}
operating_expenses / total_members
Thresholds
target 300 warn high 350 crit high 400 stretch 250
delinquency_rate
risk ↓ lower

Percentage of loans 60+ days delinquent - lower is better

Unit: percent · Format: {value:.2f}%
(delinquent_loans / total_loans) * 100
Thresholds
target 0.5 warn high 0.75 crit high 1.0 stretch 0.3
charge_off_rate
risk ↓ lower

Net charge-offs as percentage of average loans

Unit: percent · Format: {value:.2f}%
(net_charge_offs / average_loans) * 100
allowance_ratio
risk ↑ higher

Allowance for loan losses as percentage of delinquent loans

Unit: percent · Format: {value:.0f}%
(allowance / delinquent_loans) * 100
digital_adoption
digital ↑ higher

Percentage of members using digital channels as primary banking method

Unit: percent · Format: {value:.1f}%
(digital_primary_members / total_members) * 100
Thresholds
crit low 40 warn low 55 target 70 stretch 80
mobile_adoption
digital ↑ higher

Percentage of members actively using mobile app

Unit: percent · Format: {value:.1f}%
(mobile_active_members / total_members) * 100
digital_transaction_pct
digital ↑ higher

Percentage of transactions conducted via digital channels

Unit: percent · Format: {value:.1f}%
(digital_transactions / total_transactions) * 100
overall_percentile
summary ↑ higher

Composite ranking across all performance dimensions

Unit: percentile · Format: {value:.0f}th
weighted_average(category_percentiles)
peer_group_size
summary neutral

Number of institutions in comparison peer group

Unit: count · Format: {value:,.0f} institutions
COUNT(peer_institutions)

Performance Categories

5 categories

Performance dimensions used for peer comparison and competitive benchmarking.

💰
Financial Health
Profitability and capital adequacy metrics
Metrics: roa, net_worth_ratio, net_income
📈
Growth
Asset and portfolio expansion metrics
Metrics: loan_growth_rate, deposit_growth_rate, member_growth_rate
⚡
Efficiency
Operational cost effectiveness
Metrics: efficiency_ratio, cost_per_member
🛡️
Risk Management
Credit quality and risk metrics
Metrics: delinquency_rate, charge_off_rate, allowance_ratio
📱
Digital Transformation
Technology adoption and digital engagement
Metrics: digital_adoption, mobile_adoption, digital_transaction_pct

Segment Definitions

Asset Size

IDName / CharacteristicsFilter ExpressionDecision Types
small Small

Assets under $250M

 total_assets < 250000000
medium Medium

Assets $250M - $1B

 total_assets BETWEEN 250000000 AND 1000000000
large Large

Assets over $1B

 total_assets > 1000000000

Percentile Tier

IDName / CharacteristicsFilter ExpressionDecision Types
top_quartile Top Quartile

Top 25% of performers

 percentile >= 75
above_average Above Average

50th-75th percentile

 percentile >= 50 AND percentile < 75
below_average Below Average

25th-50th percentile

 percentile >= 25 AND percentile < 50
bottom_quartile Bottom Quartile

Bottom 25% of performers

 percentile < 25

Decision Type Definitions

5 types
competitive_response
strategic quarterly

Strategic responses to competitive positioning insights

⚡ overall_percentile < 50 — Overall performance below peer median
⚡ roa < peer_average — Profitability lagging peer average
⚡ digital_adoption < peer_average - 10 — Digital adoption significantly behind peers
Available Actions
Launch Strategic Initiative executive
Deep Competitive Analysis analyst
Best Practice Study product_manager
Flag for Board Review executive
Outcome Metrics
overall_percentile roa digital_adoption
efficiency_improvement
operational monthly

Decisions to improve operational efficiency relative to peers

⚡ efficiency_ratio > peer_average + 5 — Efficiency ratio worse than peer average by 5+ points
⚡ cost_per_member > peer_average * 1.15 — Cost per member 15%+ higher than peer average
Available Actions
Process Optimization Initiative operations_manager
Technology Investment executive
Vendor Renegotiation cfo
Staffing Model Review hr_director
Outcome Metrics
efficiency_ratio cost_per_member
growth_acceleration
strategic quarterly

Decisions to improve growth metrics vs peers

⚡ loan_growth_rate < peer_average — Loan growth below peer average
⚡ member_growth_rate < 2 — Member growth stagnant (below 2%)
⚡ deposit_growth_rate < peer_average — Deposit growth lagging peers
Available Actions
Product Line Expansion product_manager
Market Expansion executive
Marketing Campaign marketing_manager
Pricing Optimization cfo
Outcome Metrics
loan_growth_rate member_growth_rate deposit_growth_rate
digital_transformation
strategic quarterly

Decisions to close digital adoption gap vs peers

⚡ digital_adoption < peer_average — Digital adoption below peer average
⚡ mobile_adoption < top_quartile - 15 — Mobile adoption significantly behind top quartile
⚡ digital_transaction_pct < 60 — Digital transaction percentage below 60%
Available Actions
Digital Platform Upgrade executive
Mobile App Enhancement product_manager
Digital Migration Campaign marketing_manager
Staff Digital Training hr_director
Outcome Metrics
digital_adoption mobile_adoption digital_transaction_pct
risk_mitigation
operational monthly

Decisions to address credit quality or risk metrics vs peers

⚡ delinquency_rate > peer_average — Delinquency rate above peer average
⚡ charge_off_rate > peer_average * 1.2 — Charge-off rate 20%+ worse than peer average
⚡ net_worth_ratio < 9 — Net worth ratio approaching regulatory minimum
Available Actions
Tighten Underwriting Standards clo
Collection Process Enhancement operations_manager
Portfolio Review risk_manager
Capital Planning Review cfo
Outcome Metrics
delinquency_rate charge_off_rate net_worth_ratio

Authority Levels

LevelRoleCan Approve
1 Business Analyst competitive_analysis
2 Product Manager best_practice_studymobile_enhancement
2 Marketing Manager marketing_campaigndigital_migration_campaign
2 Operations Manager process_optimizationcollection_enhancement
3 Risk Manager portfolio_review
3 HR Director staffing_reviewdigital_training
4 Chief Financial Officer vendor_renegotiationpricing_optimizationcapital_planning
4 Chief Lending Officer underwriting_tightening
5 Executive Leadership strategic_initiativeflag_for_boardtechnology_investmentmarket_expansion +2 more

Decision States & Workflow

8 states 
stateDiagram-v2


    [*] --> surfaced




    [*] --> acknowledged




    [*] --> investigating




    [*] --> action_planned




    [*] --> action_taken





    deferred --> [*]




    dismissed --> [*]




    outcome_tracked --> [*]
Primary Workflow Path
Surfaced
→
Acknowledged
→
Investigating
→
Action Planned
→
Action Taken
→
Terminal States:
Deferred (terminal)
Dismissed (terminal)
Outcome Tracked (terminal)

State Definitions

StateIDDescriptionTerminal
Surfaced
 surfaced Competitive gap identified, awaiting review No
Acknowledged
 acknowledged Decision owner has reviewed the insight No
Investigating
 investigating Deeper analysis in progress No
Action Planned
 action_planned Strategic response defined, implementation scheduled No
Action Taken
 action_taken Initiative launched, monitoring outcomes No
Deferred
 deferred Postponed with rationale Yes
Dismissed
 dismissed Determined not actionable with rationale Yes
Outcome Tracked
 outcome_tracked Results measured against peer benchmarks Yes

SLA Definitions

Decision TypeResponse WindowEscalation Path
competitive_response 14_days analyst (5_days) → vp_strategy (10_days) → ceo (14_days)
efficiency_improvement 30_days operations_manager (10_days) → coo (20_days) → ceo (30_days)
growth_acceleration 21_days marketing_manager (7_days) → cmo (14_days) → ceo (21_days)
digital_transformation 14_days product_manager (5_days) → cto (10_days) → ceo (14_days)
risk_mitigation 7_days risk_manager (2_days) → cro (5_days) → ceo (7_days)