Cedarmoor Credit Union
Member shares, auto and consumer loans, branch finance
About Cedarmoor Credit Union
Industry
Member-owned community credit union
Company size
10 branches across one regional footprint; about 38K members
Share base
total member shares (deposits) grow from about $355M to $711M across the window (roughly $509M on average)
Lending book
outstanding loans grow from about $340M to $602M across the window (roughly $462M on average)
Loan-to-share ratio
holds a deliberately loan-led 85 to 96 percent band, easing from the mid-nineties toward the mid-eighties as the share base gradually outgrows the loan book
Dataset scope
11 Standard-tier tables
Cedarmoor Credit Union is a fictional member-owned regional credit union created for synthetic BI demos and training; it represents no real credit union, member base, branch network, or lending book. The kit presents a believable community balance sheet where BI builders move from total assets, member shares, and the loan portfolio into share balances, the auto-led consumer book, delinquency, originations, member growth, and branch performance. It is built for finance, lending, deposit operations, and branch leadership rather than as a core banking system of record.
Operating Profile
- Offers share savings, checking, money market, certificates, and youth savings, plus an auto-led consumer lending book.
- Members join through a branch, hold one to three share accounts on average, and about half also carry at least one loan.
- Every share-account month closes as beginning balance plus deposits minus withdrawals; term loans amortize while card and home-equity lines revolve.
- Each loan product is written across three or four contracted terms, so term mix is its own analysis axis alongside product.
- Branch market type shapes the membership mix, so average balance per account runs about $8.6K in community markets to $11.4K in the urban core.
- Excludes real member identities, account numbers, payment-rail detail, credit scores, call reports, and general ledger.
Recent Business Events
- 1Two new branches opened and are stepping the active-branch count up gently while the mature branches anchor shares and loans.
- 2Auto lending leads originations with a spring car-buying lift each year, while the share base grows steadily on savings and certificates.
- 3Finance now reviews shares, loans, delinquency, and dividend and interest income together on one branch scorecard.
- 4Money market and certificate balances grow faster than checking, gently lifting the cost of funds.
These are the operating questions this kit is optimized to answer first.
Total assets, member shares, loans, member count, and loan-to-share ratio
Share-balance growth and product mix by segment and branch
Loan balance, weighted note rate, delinquency, and net charge-offs
Originations, funded volume, and average loan size by product
Branch net interest margin
Embedded Analytical Stories
Monthly balance sheet
Connect member shares, loans, dividend income, interest income, and net interest margin month by month.
Branch portfolio quality
Compare branches on shares, loans, loan-to-share ratio, and net interest margin.
Lending performance
Follow the loan book from origination through monthly balance, delinquency bucket, and outcome.
Operations drillthrough
Connect branch financials down to share-account and loan snapshots, and members down to their accounts.
Balance roll-ups
Branch share and loan balances trace to their account-level snapshots on any slice.