Most clients upload data to our site on a monthly basis at month end. Upon data upload some data is available immediately other data takes a few hours or longer to calculate, depending on the size and format of the files loaded. Once data is in the Visible Equity System it is actively recalculated to ensure collateral values are up to date and all data is matched appropriately.
Simplify Your Analytics
Powerful software to help banks, credit unions, and finance companies better analyze data, meet regulatory expectations, and make data-driven decisions.
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Data Warehousing
Send us all of your disparate data
Analytics
Infuse it with our data and advanced analytics
Reporting Software
Create actionable dashboards and custom reports
Better Data Meets Better Results
Solutions That Work For You
Take Advantage of The Numbers
The Benefits of using Our Analysis Software
Our predictive and behavioral analytical models and reporting provide you with the insight you need to effectively manage your portfolios and stay relevant in an increasingly competitive marketplace.
Your time is valuable. Spend it making solid, data-driven decisions—not worrying about aggregating data and preparing reports.
We've simplified the process of analyzing your portfolios through a user-friendly interface and easy-to-use data warehousing, analytics, and reporting.
We make your examinations as easy and stress-free as possible with our ad hoc reports, library of white papers, and awesome support team.
Our systems and support give you control over your portfolio like never before. With Visible Equity you will truly be able to identify, measure, and monitor the risks and opportunities in your portfolios.
Having everyone at your institution on the same page, safely and consistently accessing the same data and the same reporting...Priceless.
Resource Center
Sharpen Your Lending Skills
Webinars
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- TOP 10 LOAN REPORTS YOU CAN'T LIVE WITHOUT
- A CELEBRATION OF VINTAGE
- STATE OF THE CREDIT UNION ADDRESS - SCORECARD REVIEW
- HOW TO BACKTEST FOR CECL
eBooks
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- Preparing For A Regulatory Exam
- Why It Is Essential To Have All Your Analytics Data In One Platform
- A New Approach To Testing
- Steering And The Steering Ratio
White Papers
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- A Study On Successful Credit Unions
- Residential Real Estate Valuations
- CECL Primer
- Loan Portfolio Optimizer
Commonly Asked Questions
- Upload data through a secure connection in your browser.
- We can set up a secure connection for you through FTP.
- We also work with many third parties that supply us your data directly.
We work with any delimited file format, or in other words, any file that can be read by Microsoft Excel. Typically this is any delimited file format (CSV, Pipe Delimited, Tab Delimited, etc.). Our preferred file format is tab delimited text file.
Yes, we can value your homes, automobiles, commercial properties, etc. In the demo you will learn specifics on how we value each asset class.
Our typical implementation process is 60-90 days.
Our implementation team will work closely with you in determining which data fields are meaningful, but in general we need data on the loan attributes, application data, borrower characteristics, and collateral, if applicable.
We charge a one-time setup fee and a monthly licensing fee, based on the asset size of your institution and the modules you subscribe to. There are no additional reporting, user, maintenance, or any other nickel-and-diming fees.
We do offer consulting engagements, including exam preparation services that are an additional fee.
You can have as many users as you would like. You can also designate one or more users as an admin, which provides them with additional functionality. You can also designate a user as an upload data only user, which allows for the user to upload data, but not view any analysis.
Yes, please view our Products pages to read about each one.
We do not create “credit scores”, but can either take credit scores directly from you or we can work with you and one of the major credit reporting agencies to select appropriate scores and attributes.
Visible Equity is SOC2 Type 2 Certified on an annual basis and can provide you the reports. However, Visible Equity goes well beyond the SOC2 requirements in protecting your data and our company. One of our basic beliefs is, "Data Security is Oxygen". We go to great lengths to protect data; from technology applications (24/7 IDS suites) to the employee level training on data security - we are glad to discuss with you and provide evidence for any questions that you may have around our data security posture.
"Thank you to the Visible Equity team! They are a valued partner to our Credit Union. Their analytics are topnotch and their client teams are so user friendly. We are increasing our utilization of their products as compliance requirements are increasing. Highly recommend!"
"Visible Equity is one of our trusted partners. They consistently exceed our service expectations while providing a comprehensive and user friendly platform to use for our analytics."
"In advance of our recent NCUA examination, Visible Equity’s client success team helped me create a report set for our examiners. I appreciate the efficiency and thoughtfulness they demonstrated in responding to our inquiry and resolving our problem."
"Visible Equity data is extremely powerful, and the usefulness of the data is invaluable when evaluating past performance and planning for the future. They also provide outstanding customer support. Their client success team were instrumental in helping U. S. Eagle Federal Credit Union drastically improve the integrity of our data."
Recent Blog Posts
Q-Tips
Will Student Loans be the Source of the Next Economic Crisis?
Much has been written in the popular press and within academic circles regarding the astonishing rise in Student loans over the past decade. Aggregate student loan balances stood at $639 Billion at the beginning of 2009. Over the past decade that number has more than doubled, standing at $1.442...
Understanding Calculation Settings—Original Credit Score Days Within
Visible Equity’s setting for Original Credit Score Days Within (which I’ll refer to more simply as “Days Within”) is not typically changed from the default setting. That may be because even the default setting can be a bit challenging to understand. This article will use an example to try and bre...
Understanding Calculation Settings—Primary Borrower and Credit Score Methods
Identifying the primary borrower on any loan can be a tricky task—but it doesn’t have to be. This blog post will provide examples to guide you to an understanding on how this is done exactly in the Visible Equity system.
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We Can Improve Your Business
Find out how Visible Equity can simplify data analysis, satisfy regulations, and keep you well informed.
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