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<\/a><\/a>\nAn institution exports a CSV file from standard loan and account data \u2014no integration, no IT project\u2014and receives a household-level view of its deposit base benchmarked through OptimaFI's Peer Performance Index\u2122, built from over 14 billion aggregated and anonymized normative data points. The output is a set of executive-ready reports designed not for a one-time review, but for recurring use in the meetings where deposit strategy is actually discussed.<\/p>
\nMost community institutions can report total deposits, average balances and product counts. Fewer can answer the questions those numbers raise in a board or ALCO setting\u2014why cost of funds is moving, whether a handful of households account for an outsized share of liquidity, or how relationship depth in one segment compares to what peer institutions have achieved. The data to answer those questions typically exists inside the core, but extracting it, standardizing it, and placing it in peer context has historically required either a consulting engagement or an integration project that competes with other IT priorities.<\/p>
\n\"Community financial institutions already have the data they need. The challenge is organizing it into a format that supports better strategic decisions and then contextualizing it,\" said Tim Keith, CEO of OptimaFI. \"That's what Household Insights delivers\u2014a repeatable, peer-benchmarked view of relationship structure that holds up in a board room.\"<\/p>
\nThe solution surfaces insights across three dimensions where peer context changes the conversation:<\/p>
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- \nFunding cost structure.<\/b> How the mix of product penetration and average household balances compares to peer norms\u2014and what that comparison suggests about pricing leverage and vulnerability<\/li>\n
- \nConcentration exposure.<\/b> Where high-balance, low-engagement households represent a liquidity dependency that deposit totals alone do not reveal<\/li>\n
- \nRelationship depth.<\/b> How household-level engagement distributes across standardized segments, making it possible to identify where incremental deepening will have a measurable impact on retention and profitability<\/li>\n<\/ul>
\nHousehold Insights is available now. OptimaFI is offering a complimentary 90-day trial for a limited time, with annual subscription pricing tiered by asset size for banks and member count for credit unions. To learn more about Household Insights and schedule a demo, visit the OptimaFI website<\/a>.<\/p>
\nRick Claypoole, President of OptimaFI\u2019s SaaS Solutions group, will be hosting a relevant breakout session at America\u2019s Credit Unions Finance Council Conference the week of May 17th in San Diego. The session is titled: \u201cWhat the Traditional Numbers Miss: A Conversation on Household Insights for Small Credit Unions.\u201d<\/p>
\nAbout OptimaFI<\/b><\/p>
\nOptimaFI partners with more than 2,500 banks and credit unions to boost profits, strengthen customer relationships, and identify growth opportunities through data-driven insights. Leveraging its proprietary Peer Performance Index\u2122 of 14 billion normative data points, the firm benchmarks institutions against peers and delivers targeted, product-specific strategies to optimize profitability. OptimaFI brings nearly four decades of experience serving community institutions with banking, analytics, and marketing expertise. Its pay-for-results marketing program ensures clients only pay for booked accounts, with all campaign costs covered. OptimaFI maintains rigorous data security standards and undergoes annual audits to protect sensitive financial information. Learn more at https:\/\/OptimaFI.com<\/a>.<\/p>
- \nConcentration exposure.<\/b> Where high-balance, low-engagement households represent a liquidity dependency that deposit totals alone do not reveal<\/li>\n