CUES Member Community

Expand all | Collapse all

Credit Tier Stratification

  • 1.  Credit Tier Stratification

    Posted May 20, 2019 03:22 PM



    We are considering increasing the amount of C & D paper loans we put on the books (with consideration to the likely recession happening in the near future). Knowing all CUs are different and some have different tier ranges, I was wondering if you'd provide information that demonstrates the credit tier breakout of the loans you put on the books. We are trying to gauge how conservative we are compared to others. Right now, about 85% of approved loans are in the A and B tiers, and our loan yield reflects that. There are a lot of variables involved, however if you'd be able to share information on this topic, it would be appreciated. Thank you for your consideration.




    Brett Noll
    Chief Executive Officer
    O: 410.281.6232 | F: 410.281.6207



    Securityplus Federal Credit Union e-Mail Notice:

    This electronic message may contain confidential and legally protected information, intended only for the use of the individual or entity named in the message header. The authorized recipient of this information is prohibited from disclosing this information to any other party and is required to delete the electronic message after its stated need has been fulfilled.

    If you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution, or action taken in reliance on the contents of this electronic message and/or any attachments is strictly prohibited. If you have received this electronic message in error, please notify the sender immediately to arrange for your electronic email address to be removed from the sender's personal address book and/or distribution list

  • 2.  RE: Credit Tier Stratification

    Posted May 21, 2019 04:54 AM

    Hi Brett,

    I hope other CUES members will chime in with the data you're after. A couple of CUES resources came to mind when I read your question:


    We just published this podcast with Jamie Strayer about how a CDFI designation and the funding that can go with it can be helpful to CUs that want to make loans to members with lesser credit.

    CDFI Status Is a 'Carrot' for Innovation-and a Possibility for More CUs Than You Might Think


    Some of the articles Bill Vogeney of Ent CU in Colorado has been writing for me lately might also be of interest.


    Lending Perspectives: How Will You Fund Future Loans?

    Lending Perspectives: Why Risk-Based Decisions Are Hard

    Lending Perspectives: The 5 Cs of Small-Dollar Lending


    Hope something in this is useful.




    Warm regards,



    Lisa Hochgraf

    Senior Editor