Posts by Adrian Davies
The metrics that growing credit unions measure differently
Every credit union board asks the same question: is our loan book growing safely? The data to answer it is already in your systems. The problem is that most dashboards show you the numbers without telling you what they mean. Especially when trying to track credit union lending metrics effectively. Decision volumes, turnaround times, delinquency…
Read MoreNestEgg News: Four features coming soon
NestEgg will be rolling out four new features over the coming weeks. Here’s a summary of what’s on the way and what it means for your credit union. Decision Summary Panel Every referred loan application means manual work: lending officers compare the rules across different risk bandings before they can reach a decision. Speed is…
Read MoreWhat is the 50/30/20 budgeting method?
Last reviewed June 2026 i QUICK ANSWER The 50/30/20 method is a simple budgeting rule that splits your income into three categories: 50% on needs (rent, bills, food), 30% on wants (dining out, entertainment, subscriptions), and 20% on savings or debt repayment. It’s a low-effort way to manage money without tracking every penny. Using this…
Read MoreThe £165m question – and three others worth asking at ILCU
The Irish League of Credit Unions (ILCU) Conference is a great moment to step back from day-to-day operations and ask the strategic questions that decide where your credit union will be in five years’ time. Whether you’re looking for fresh ideas to grow your loan book, ways to attract younger members, a stronger evidence base…
Read MoreSave as You Borrow: a unique way to build savings
Last reviewed May 2026 i QUICK ANSWER Save As You Borrow (SAYB) is a scheme offered by many credit unions where, alongside your regular loan repayments, you also save. The savings go into a regular shares account in your name. The amount you have to save differs between credit unions, but typically the minimum is…
Read MoreWhy the Electoral Roll improves your credit score
Last reviewed May 2026 i QUICK ANSWER Registering on the electoral roll lets lenders verify your identity against a public record, which reduces fraud risk and helps your application pass identity checks. Experian estimates it can lift your credit score by around 50 points. Registration is free and updates appear on your credit file within…
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