> ## Documentation Index
> Fetch the complete documentation index at: https://docs.amlok.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Credit union benchmarks

> Evaluate member lending and credit union peer performance with comparable institutional populations.

Select peers by jurisdiction, asset size, product mix and membership context. A credit union's local concentration can make a national bank average an unsuitable direct comparator.

## Financial-risk measures

| Measure | Definition and comparison rule |
| - | - |
| Member payment performance | Product-specific arrears and cures, with member and account denominators reported separately. |
| Local concentration | Exposure to shared employers, sectors, geography and related businesses. |
| Liquidity and affordability | Supported household or business cash flow using the relevant product definition. |
| Portfolio loss | Mature net loss by product and vintage, with recovery and accounting conventions retained. |
| Review quality | Evidence completeness, analyst corrections and exception handling by portfolio segment. |

## Public benchmark sources

The [Canadian Credit Union Association benchmarking manual](https://benchmarking.ccua.com/Content/Files/CU%20Benchmarking%20Tool%20Manual.pdf) describes financial peer comparisons and asset-size groupings. Some underlying peer reports require authorized access. A public manual is not evidence that AMLOK acquired the underlying institution data.

Use the matching provincial or federal reporting source for an institution's perimeter. Do not assume a federally regulated bank dataset covers all provincially regulated credit unions. Product-level mortgage or household indicators remain context rather than a substitute for member outcomes.

## AMLOK evaluation

Hold out members, related businesses and later periods. Where possible, evaluate an entire credit union excluded from development. Report subgroup sample sizes and uncertainty; a small local cohort may not support a stable standalone performance estimate.

Test income, business-ownership and joint-obligation resolution against authorized evidence. Measure whether the system abstains when source coverage is insufficient. For Signal, separate local economic changes from data-feed interruptions and measure analyst-confirmed alert relevance.

Use the [shared benchmark contract](https://docs.amlok.io/research/industries/index.md#benchmark-contract) and [robustness protocol](https://docs.amlok.io/research/robustness.md). Research does not create member communication or case-management workflows.


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