The purpose of this analysis is to provide the planners with a tool to project the credit union’s change in member loans. When the planning team completes their analysis, they will establish the credit union’s current year loan projection and the total member loan goal for the plan year. The loan total for both the current and plan year is entered in the Balance Sheet by the system.

The estimated loan yield (weighted) is also calculated by estimating the annual yield for each major loan type. The estimated loan yield is determined for both the current and plan year and entered into the projected income statement by the system. The worksheet also presents the annual expected percent of change in the member loans for the current and plan years. Hopefully, the change in member loans will support the long-term achievement of the credit union’s loan growth objectives.

See Completing the Loan Analysis (L) Chart