Keep Your CECL Estimates Accurate All Year Long
The NCUA’s Simplified Current Expected Credit Loss (CECL) Tool updates once a year. But your credit union’s risk profile changes every quarter. Shifts in economic conditions, charge-offs, or portfolio performance can quickly make annual loss rates outdated, leading to inaccurate allowance estimates.
Our Simplified CECL Tool Q Factor Analysis Workbook bridges that gap by applying the NCUA’s three-year average loss rate methodology with one key enhancement: the ability to calculate trailing 12-month loss rates for every quarter-end. This gives credit unions a clearer, more current view of portfolio performance—helping you maintain accurate, defensible allowance estimates year-round.
Our Simplified CECL Tool Q Factor Analysis Workbook bridges that gap by applying the NCUA’s three-year average loss rate methodology with one key enhancement: the ability to calculate trailing 12-month loss rates for every quarter-end. This gives credit unions a clearer, more current view of portfolio performance—helping you maintain accurate, defensible allowance estimates year-round.
Download the Q Factor Analysis Tool
Complete the form below to receive your Simplified CECL Tool Q Factor Analysis workbook: a step-by-step resource for maintaining accurate CECL estimates throughout the year.
Inside the Workbook
Built on decades of credit union expertise, our comprehensive tool makes ongoing CECL monitoring simple and defensible.
Enter your credit union’s charter number and receive a side-by-side comparison of your institution’s actual performance against NCUA’s published loss rates, helping you:
Enter your credit union’s charter number and receive a side-by-side comparison of your institution’s actual performance against NCUA’s published loss rates, helping you:
Compare your credit union’s loss experience to NCUA averages
Spot where variances may require Q factor adjustments
Incorporate current trends into reasonable, supportable forecasts
Document each adjustment with clear, examiner-ready analysis
Inside the Workbook
Built on decades of credit union expertise, our comprehensive tool makes ongoing CECL monitoring simple and defensible.
Enter your credit union’s charter number and receive a side-by-side comparison of your institution’s actual performance against NCUA’s published loss rates, helping you:
Resources
Enter your credit union’s charter number and receive a side-by-side comparison of your institution’s actual performance against NCUA’s published loss rates, helping you:
