Ranking Methodology

The ranking order for the Top 10 Credit Union Risk Management is derived using an algorithm based on the following criteria:
  • Capital Adequacy Ratio

  • Non-Performing Loans Ratio

  • Loan to Deposit Ratio

  • Net Interest Margin

  • Operational Efficiency Ratio

  • Return on Assets (ROA)

  • Loan Loss Reserves to Total Loans Ratio

  • Compliance Score

At Best Credit Union Risk Management, our ranking methodology is designed to provide the most accurate and comprehensive assessment of credit union risk management strategies. We employ a mixture of quantitative factors including the Capital Adequacy Ratio, Non-performing Loans Ratio, and Liquidity Coverage Ratio, among others. These metrics offer insights into a credit union's financial health, operational efficiency, and risk management approaches. Additionally, our seasoned editors meticulously review each entry's information to ensure its validity and relevance. To supplement our data-driven approach, we also incorporate traditional market research methods such as secret shopping, in-depth interviews, and customer surveys. While these are the key pillars of our methodology, we also consider other proprietary factors that remain confidential to ensure the integrity of our ranking system. The ultimate goal is to provide a ranking that reflects the true measure of a credit union’s risk management efficacy.
Eligibility

Eligibility

Organizations must meet the following criteria to qualify for the Best Credit Union Risk Management list.

Reach

Maintain a national or international footprint

Experience

A minimum of five years experience in risk management

Impact

Managed a portfolio of at least $100 million in the previous year