Twenty Twenty Analytics is a CUNA Strategic Partner and the premier Loan Portfolio Analytic Service Provider for Credit Unions. Over the last five years our team of specialized analysts has evaluated more than $300 Billion in commercial and consumer loans for Credit Unions throughout the United States.As a dedicated group of financial professionals we have developed specialized loan models that allow us to evaluate the key behavioral characteristics of your loan portfolio. These behavioral loan models allow us to grade individual loans for performance, accurately predict probability of default and help you better understand how your decisions are impacting your portfolios performance. Our product will help you better understand how the quality of your loans and changes in the economy could affect your bottom line so you can mitigate regulatory risk and know your exposure. Some of our Loan Portfolio Analysis Products include:• Concentration Analysis and Monitoring• Loan Portfolio Stress Testing• Loan Allowance Validation• Collateral Valuation• FICO Score Refresh• Financial Statement DisclosureTwenty Twenty Guaranteed Solution:At Twenty Twenty Analytics we are so confident in the work that we do and the quality of services that we offer that we guarantee your satisfaction. If at any point you determine that our models and tools don't meet or exceed your expectations you can opt out or pay us based on your assessment of the value-even if that amount is zero.

At over $400 million in assets Heartland Credit Union (HCU) serves over 20,000 members in south central Wisconsin. HCU sustains a loan to share ratio of 88% to 94% which is well above peer average of 70%. Serving members is our first priority and we approve 90% of loan applications received and 70% of those loans are funded while maintaining delinquency and charge-off rates well below peers. We also sustain continuous membership and asset growth while remaining well capitalized. Responsible for managing all functions of consumer, real estate, and indirect loan portfolio with strong direct involvement in commercial/agriculture lending for a well-established credit union with a diverse loan portfolio. Managing lending with a larger view toward its impact on the overall operational financial statements is a particular strength. I also work directly in the annual budgeting and strategic planning processes.

CUNA Mutual provides products and services to credit unions and their members. CUNA Mutual currently serves about 95% of credit unions. Was responsible for managing day-to-day functions of all LOANLINER forms compliance for both customers and product areas. Responsible for all implementations for new LOANLINER customers. Implemented production and service level metrics for LoanLiner compliance staff and MemberConnect services staff.

Baxter Credit Union has $2.8 billion in assets serves more than 215,000 members through the United States and Puerto Rico. BCU continually maintains a 95% plus loan-to-share ratio and low delinquency through employing its industry recognized sales and service culture. The credit union also serves more than 20,000 Spanish-speaking members. Member of the Lending Management Team working directly with Senior Management relative to strategic planning and business development. Primary responsibilities were overall management for all consumer loans, HELOC real estate lending, and centralized lending processing. Oversaw indirect lending functions and all lending compliance functions. Manage credit card processes. Responsible for lending policy management, procedures, projections, and processes within consumer lending portfolio. Lead audit contact for all internal and external lending examinations.

Corporate American Family Credit Union has over $600 million in assets and has locations throughout the country. CAFCU was originally formed to serve GTE employees in the Midwest. Was responsible for overall management of multiple branch locations with $70 million in assets. Relationship manager for about 150 SEG (customer) locations. Responsible for developing new business for branch location.

Chicago First Credit Union (formerly Park Employees Credit Union) was a $25 million credit that served employees of various divisions for City of Chicago employees. Was responsible for managing all lending, marketing and member service functions.