Did you search for a formula or ratio?
You’re ALMOST in the right place!
In Peer-to-Peer, there are two primary ways to use formula names, ratios, or account codes to power hundreds of built-in displays or custom analysis. You can also modify and customize these inputs.
Here’s how to use formulas and account codes in Peer-to-Peer:
Universal Search
From the upper right hand corner, Universal Search can pull up charts
or displays (or CU names, peer groups, and more) if you:
- Search for terms like Assets, or Efficiency, which are defined facts in the Peer-to-Peer
- Search using 5300 Call Report account codes
Formula Wizard
Callahan’s Formula Wizard is a built-in tool (indicated with a binocula
rs icon) found in our peer group and custom display builders that can be used to help find:
- Specific account codes
- Formulas
- Operational and proprietary vendor information
For more on formulas, check out these guides:
All Common Formulas
In the below sections, we’ve included lists of the most common formulas used in Peer-to-Peer.
To find one of these in Peer-to-Peer, use Universal Search or Formula Wizard, as described on the right.
- # Delinquent Loans & Leases (2+ months)
- $ Delinquent Loans & Leases (2+ months)
- 1st Mortgage Delinquency
- Auto Loan Delinquency (total)
- Auto Loan Net Charge Offs (total)
- Credit Card Delinquency
- Credit Card Net Charge-Offs
- Delinquency (total)
- First Mortgage Net Charge-Offs
- Indirect Delinquency
- Indirect Loan Net Charge-Offs
- Leases Delinquency
- Leases Net Charge-Offs
- Member Business Loans Delinquency (total)
- Member Business Loans Non-Real Estate Secured Delinquency
- Member Business Loans Non-Real Estate Secured Net Charge-Offs
- Member Business Loans Real Estate Secured Delinquency
- Member Business Loans Real Estate Secured Net Charge-Offs
- Net Charge-Offs (total)
- New Auto Loan Delinquency
- New Auto Loan Net Charge-Offs
- Other Loans Delinquency
- Other Loans Net Charge-Offs
- Other Real Estate Delinquency
- Other Real Estate Net Charge-Offs
- Payday Alternative Loan Delinquency
- Payday Loans Net Charge-Offs
- Real Estate Delinquency (total)
- Real Estate Net Charge-Offs (total)
- Student Loan Delinquency
- Student Loan Net Charge-Offs
- Total Member Business Loans Net Charge-Offs
- Used Auto Loan Delinquency
- Used Auto Loan Net Charge-Offs
- # 1st Mortgage Adjustable Rate
- # 1st Mortgage Balloon/Hybrid
- # 1st Mortgage Fixed Rate
- # All Other Loans/LOC
- # All Other Unsecured Loans/LOC
- # Auto Loans (total outstanding)
- # First Mortgage Loans/LOC
- # Leases Receivable
- # Loans (total outstanding)
- # MBL, Real Estate Secured, Outstanding
- # Member Business Loans (MBL) Outstanding
- # New Auto Loans
- # Other Real Estate Loans/LOC
- # Private Student Loans
- # Real Estate Loans (total outstanding)
- # Short-Term, Small Amount Loans (FCU Only)
- # Unsecured Credit Card Loans
- # Used Auto Loans
- $ 1st Mortgage Adjustable Rate Outstanding
- $ 1st Mortgage Balloon/Hybrid Outstanding
- $ 1st Mortgage Fixed Rate Outstanding
- $ 1st Mortgage Loans/LOC
- $ All Other Unsecured Loans/LOC
- $ Allowance for Loan & Lease Losses
- $ Allowance for Losses on All Real Estate Loans
- $ Indirect Loans (total)
- $ Leases Receivable
- $ Loans (total outstanding)
- $ MBL, Real Estate Secured, Outstanding
- $ Member Business Loans (MBL)
- $ New Auto Loans
- $ Other Loans/LOC
- $ Other Real Estate Loans/LOC
- $ Private Student Loans
- $ Short-Term, Small Amount Loans (FCU Only)
- $ Total Auto Loans
- $ Total Auto Loans/Loans
- $ Unsecured Credit Card Loans
- $ Used Auto Loans
- 12-Month 1st Mortgage Growth
- 12-Month Auto Growth
- 12-Month Credit Card Growth
- 12-month Loan Growth
- 12-Month MBL Growth
- 12-Month New Auto Growth
- 12-Month Other Real Estate Growth
- 12-Month Real Estate Growth
- 12-Month Used Auto Growth
- 1st Mortgage Penetration
- Auto Loan Penetration
- Credit Card Penetration
- New Auto Loan Penetration
- Real Estate Loans Outstanding
- Real Estate Penetration
- Used Auto Loan Penetration
- $ Borrowing Repurchase Transactions, Total
- $ Borrowings (total)
- $ Draws against LOC
- $ Other Notes, Promissory Notes and Interest Payable
- $ Subordinated Debt (total)
- $ Subordinated Debt included in Net Worth
- $ Equity, Accumulated Unrealized Gains (Losses) on Available for Sale (AFS) Securities
- $ Equity, Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges
- $ Equity, Appropriation for Non-Conforming Investments (SCU ONLY)
- $ Equity, Other Comprehensive Income
- $ Equity, Other Reserves
- $ Equity, Regular Reserves
- $ Equity, Undivided Earnings
- $ Net Income (Equity, net of contribution to Undivided Earnings)
- $ Total Liabilities, Shares, and Equity
- Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities
- Capital (total)
- Capital/Assets
- Equity Acquired in Merger
- Miscellaneous Equity
- Net Worth
- Net Worth Ratio
- RBC Ratio
- $ Dividends on Shares
- $ Educational and Promotional Expense (Marketing Expenses)
- $ Employee Compensation & Benefits
- $ Fee Income
- $ Gain from Bargain Purchase (Merger)
- $ Income from Investments
- $ Interest Expense
- $ Interest Income
- $ Interest on Borrowed Money
- $ Interest on Deposits (SCU Only)
- $ Interest on Loans (Gross-before interest refunds)
- $ Loan Interest Refunded
- $ Loan Servicing Expense
- $ Member Insurance
- $ Miscellaneous Operating Expenses
- $ Net Income (Loss)
- $ Net Interest Income After Provision
- $ Non-Interest Expense
- $ Non-Interest Income
- $ Office Occupancy Expense
- $ Office Operations Expense
- $ Operating Fees (Examination and/or supervision fees)
- $ OTTI Losses Recognized in Earnings
- $ Portion OTTI Losses in Other Comprehensive Income
- $ Professional & Outside Services
- $ Provision for Loan & Lease Losses
- $ Trading Profits and Losses
- $ Transfer to Regular Reserve
- $ Travel and Conference Expense
- $ Other-Than-Temporary Impairment (OTTI) Losses
- Gain (Loss) associated with the Hedged Item (Investments) in a Non-Trading, Fair Value Derivatives Hedge
- Gain (Loss) on Disposition of Fixed Assets
- Gain (Loss) on Investments
- Gain (Loss) on Non-Trading Derivatives
- NCUSIF Premium Expense
- NCUSIF Stabilization Expense
- Net Income/Loss Before Stabilization Expense
- Other Member Insurance Expense
- Other Non-Operating Income
- Account Aggregation
- Account Balance Inquiry
- Audio Response/Phone Based
- Automatic Teller Machine (ATM)
- Bill Payment
- Download Account History
- Electronic Cash
- Electronic Signature Authentication/Certification
- eStatements
- External Account Transfers
- Home Banking/PC Based
- Internet Access Services
- Kiosk
- Loan Payments
- Member Application
- Merchandise Purchase
- Merchant Processing Services
- Mobile Banking
- Mobile Payments
- New Loan
- New Share Account
- Other
- Remote Deposit Capture
- Share Account Transfers
- Share Draft Orders
- View Account History
- Available for Sale Securities (total)
- Cash at Corporate CU
- Cash at Other Financial Institutions
- Cash Equiv. (Invests w/ Original Maturities < 3 Mths)
- Cash on Deposit
- Cash on Hand
- Held-to-Maturity Securities (total)
- Investments (total)
- Total All other investments
- Total All other investments in corporate credit unions
- Total Deposits in commercial banks, S&Ls, savings banks
- Total Investments <= 1 Year
- Total Investments >10 Years
- Total Investments 1-3 Years
- Total Investments 3-5 Years
- Total Investments 5-10 Years
- Total Loans to and investments in natural person credit unions
- Total Membership capital at corp CUs/Nonperpetual Contributed Capital
- Total Paid-in capital at corp CUs/Perpetual Contributed Capital
- Trading Securities (total)
- $ Revenue per $ Salary & Benefits
- Accounts Per Member
- Assets per Employee (FTE)
- Average Cost of Funds
- Average Loan Balance
- Average Member Relationship
- Average Share Balance
- coverage_ratio
- Efficiency Ratio (excluding Provision for Loan Losses)
- Efficiency Ratio (including Provision for Loan Losses)
- Fixed Assets
- Income per Employee (FTE)
- Interest Income/Average Assets
- Interest Income/Total Income
- Loan Originations per Employee (FTE)
- Loan Originations per Member
- Loans to Shares
- Members per Employee (FTE)
- Net Interest Margin
- Net Operating Expense/Average Assets
- Non-Interest Income per Employee (FTE)
- Non-Interest Income per Member
- Non-Interest Income/Average Assets
- Non-Interest Income/Total Income
- Operating Expense Ratio
- Operating Expense Ratio before NCUSIF & TCCUSF Assessments
- Operating Expense/Gross Income
- Provision for Loan Losses/Avg. Assets
- Return on Assets
- Return on Equity
- Salary and Benefits per Employee (FTE)
- Yield on Earning Assets
- Yield on Investments
- Yield on Loans
- ATM/Debit Card Program
- Bilingual Services
- Business Loans
- Business Share Accounts
- Check Cashing
- Credit Builder
- Debt Cancellation/ Suspension
- Direct Financing Leases
- Financial Counseling
- Financial Education
- Financial Literacy Workshops
- First Time Homebuyer Program
- Health Savings Accounts (HSA)
- In-School Branches
- Indirect Business Loans
- Indirect Consumer Loans
- Indirect Mortgage Loans
- Individual Development Accounts (IDA)
- Interest Only or Pymnt Option 1st Mortgage Loans
- Micro Business Loans
- Micro Consumer Loans
- Money Orders
- No Cost Bill Payer
- No Cost Share Drafts
- No Cost Tax Preparation
- No Surcharge ATMs
- Overdraft Lines of Credit
- Overdraft Protection/ Courtesy Pay
- Participation Loans
- Pay Day Loans
- Prepaid Debit Cards
- Real Estate Loans
- Refund Anticipation Loans
- Risk-Based Loans
- Share Certificates, Low Minimum Balance
- Share Secured Credit Cards
- Student Scholarships
- # current members
- 12-Month Employee Growth
- 12-Month Member Growth
- Address
- ATMs
- Branches
- CEO
- CFO
- Charter Number
- CharterTypeCode
- Chief Executive Officer
- Chief Financial Officer
- City
- Employees
- Field of Membership
- State
- Telephone
- Zip code
- # 1st Mortgage Originations YTD
- # Adjustable Rate 1st Mortgage Loans Granted YTD
- # Balloon/Hybrid 1st Mortgage Loans Granted YTD
- # Consumer Loans YTD Originations
- # Fixed Rate 1st Mortgage Loans Granted YTD
- # Loans Granted YTD
- # Member Business Loans Granted or Purchased YTD
- # Other Real Estate YTD Originations
- $ 1st Mortgage YTD Originations
- $ 1st Mortgages Sold to Secondary Market YTD
- $ Adjustable Rate 1st Mortgage Loans Granted YTD
- $ Balloon/Hybrid 1st Mortgage Loans Granted YTD
- $ Consumer Loans YTD Originations
- $ Fixed Rate 1st Mortgage Loans Granted YTD
- $ Loans Granted YTD
- $ Member Business Loans (MBL) Granted or Purchased YTD
- $ Other Real Estate YTD Originations
- 12-Month 1st Mortgage YTD Origination Growth
- 12-Month Consumer Loans YTD Origination Growth
- 12-Month MBL Granted or Purchased YTD Growth
- 12-Month Other Real Estate YTD Origination Growth
- 12-Month YTD Loan Origination Growth
- 1st Mortgages Sold / YTD 1st Mortgage Originations
- $ Foreclosed & Repossessed Assets, Autos
- $ Foreclosed & Repossessed Assets, Other
- $ Foreclosed & Repossessed Assets, Real Estate
- $ Foreclosed & Repossessed Assets, Total
- $ Intangible Assets, Goodwill
- $ Intangible Assets, Identifiable Intangible Asset
- $ Intangible Assets, Total
- $ Land and Building Asset
- $ NCUA Share Insurance Capitalization Deposit
- $ Other Assets
- $ Other Fixed Assets
- Accrued Interest on Investments
- Accrued Interest on Loans
- All Other Assets
- Assets (total)
- Net Non-Trading Derivative Assets
- Recovery
- $ Business Share Accounts
- $ Employee Benefit Member Shares
- $ Employee Benefit Nonmember Shares
- $ Health Savings Accounts
- $ Held by Member Government Depositors
- $ Held by Nonmember Government Depositors
- $ IRA/Keogh Accounts = or > $100,000
- $ Share Certificates = or > $100,000
- $ Share Drafts Swept to Regular Shares or Money Market Accounts
- 529 Plan Member Deposits
- Non-dollar denominated deposits
- Interest Rate, 1st Mortgage Loans/LOC
- Interest Rate, All Other Loans/LOC
- Interest Rate, Credit Cards
- Interest Rate, Leases
- Interest Rate, New Auto
- Interest Rate, Other Real Estate Loans/LOC
- Interest Rate, Other Unsecured Loans/LOC
- Interest Rate, Private Student Loans
- Interest Rate, Short-Term, Small Amount Loans (FCU Only)
- Interest Rate, Used Auto
- # All other Share Accounts
- # IRA/KEOGH Accounts
- # Money Market Share Accounts
- # Non-Member Deposit Accounts
- # Regular Share Accounts
- # Share Certificates
- # Share Draft Accounts
- $ All Other Shares
- $ Core Deposits
- $ IRA/KEOGH Accounts
- $ Money Market Shares
- $ Non-Member Deposits
- $ Regular Shares
- $ Share Certificates
- $ Share Drafts
- $ Shares (total, excluding nonMember Deposits)
- Dividend Rate, Regular Shares
- Interest Rate, All Other Shares
- Interest Rate, IRA/KEOGHs
- Interest Rate, Money Market Accounts
- Interest Rate, Non-Member Deposits
- Interest Rate, Share Certificates (1+ year)
- Share Accounts (total, excluding nonMember Deposits)
- Share and NonMember Deposit Accounts (total)
- Share Draft Penetration
- Share Draft Rate
- Shares and NonMember Deposits (total)
- 3rd Party ALM Analysis Partner
- ALM Software
- Apple Pay
- Auditor
- Bill Payer
- Check 21 – Teller Solution
- Check Printer
- Consumer Loan Origination Platform
- Credit Card Portfolio Manager
- Data Processor
- Debit Card PIN Processor
- Debit Card Signature Processor
- e-Statements Provider
- EFT Processor (ACH)
- Lending Call Center
- MCIF Analysis Solution
- Mobile Banking App
- Mobile Banking Browser
- Mortgage Origination Platform
- Mutual Funds
- Online Banking Provider
- Outsourced Call Center – member services
- Personal Financial Management
- Prepaid Cards
- Primary First Mortgage Servicer
- Primary Indirect Lending Platform–Auto
- Primary Indirect Lending Platform–Merchant POS
- Private Student Loan Provider