ipl-logo

Swot Analysis Of Ascentra

860 Words4 Pages

• 11% of Ascentra’s members is Hispanic. This percentage excludes those members who are under 16 years of age. • The gross members total can be found on page 6 of Ascentra’s October HMA. • Since inception, Ascentra’s Hispanic membership has grown 101% • The average age of Hispanic members has remained the same. However, Ascentra’s average age of new members has lowered which is a great indicator that Ascentra continues to tap into younger segments of the market. • Coopera added new charts and graphics to this HMA so we can see and analyze the data from more angles such as the New versus Long-time Members on page 14. • Ascentra’s Hispanic members are slightly more Spanish preferring. This tells the credit union tell its story about their …show more content…

This is a great indicator of Ascentra becoming the preferred financial institution for the Hispanic community. • Chart 6 in the Dashboard, indicates that Hispanics continue to lead with all loans, auto loans, and credit cards. There’s still opportunity for the credit union to help their members through that product trajectory and engagement. • Deposit balances increased quite a bit among non-Hispanic and Hispanic members. This is a common gap for other credit unions. • Chart 8 increased as well. Looking at it from a lending portfolio standpoint, Coopera encourages credit union for this percentage to mirror their Hispanic membership. • Ascentra noted they could offer a couple of bilingual mortgage opportunities similar to Community 1st Credit Union. • These products would be reflective to the financial life stage of the market. • The Federation is buying mortgage loan portfolios and this may be an opportunity for Ascentra to look into. • Coopera will send information about the Federation opportunity and mortgage loans. After review the information, Coopera and Ascentra will meet to discuss this opportunity …show more content…

• Page 14 - We dive into the data even more to look at the new members the credit union has acquired within the last 12 months. New Hispanic members are much younger than the long-time members. • Checking penetration among new members is lower than the long-time members so there’s an opportunity to engage them through the product trajectory. • Page 15 – based on Ascentra’s member data, there’s a small gap between services per member for non-Hispanic and Hispanic members. • Savings continues to be a challenge for folks in general. • Page 16 –Coopera looks at the accounts that are 60+ days delinquent to determine the delinquency rate, Coopera. For Hispanic members is a bit higher than the rest so it may be a good time to look at the look at the collection process to be proactive and help Hispanic members lower this measurement. • Coopera encourages Ascentra to explore the opportunities to build more awareness about what a delinquent account could cost members. • Page 17 – the graph helps us see where the opportunity gaps lay. There may be a need to build a comfort level with other products and services offered by

Show More
Related

Summary Of The Hispanic Dropout Mystery By Susan Headden

611 Words | 3 Pages

Do you know of someone that has dropped out of high school? Are they of Hispanic descent? The dropout rate for Hispanic students has gone up to 30 percent nationwide. The saddest thing knowing about all of this is that American born Hispanics is higher than those that immigrate here (“The Hispanic Dropout Mystery,” by Susan Headden, reprinted from U.S. News & World Report, vol. 123, no. 15, October. Used by permission.

Read More

Peggy Viramontes 'White Privilege And Can We Talk'

185 Words | 1 Pages

During a time in which immigration is a popular public interest, past works such as Arturo Torres’ “Wetback,” Helen Viramontes’ “Under the Feet of Jesus,” Peggy McIntosh’s “White Privilege,” and Beverly Tatum’s “Can We Talk?” show how mass media’s stereotypes are reflective of society’s depiction of poor Hispanic immigrants, impact their ability to function in society, and showcase the importance of stereotypes and how we have actually come. Society’s view of minority groups are usually seen in the media, and vice versa. Today, America is struggling with their take on immigration of Hispanic immigrants into our country. With this, the idea that the general population has of Hispanic immigrants comes from the media, whose depiction of certain

Read More

Nuestra Comunidad: Building On Strengths Program

430 Words | 2 Pages

Nuestra Comunidad works in collaboration with consumers, university partners, and local, state and national agencies for funding and resources for the Latino Hispanic community (Hunting, K., & Gleason, B. L, 2012). In November 2004 Nuestra Comunidad received a grant for the program (Hunting, K., & Gleason, B. L, 2012). The grant helped with funding for the Nuestra Comunidad program.

Read More

Gloria Anzaldu Bi-Racial Backgrounds

252 Words | 2 Pages

Coming from a bi-racial background can be blessing and a curse all in one. Gloria Anzaldua exploits the truth in her essay in the context of language; however, I truly feel that it is deeper than that. Language is an important aspect of a person, although culture and experiences embodies individuals as well. I have a similar experience to Anzaldua, in the in the context of coming from a mixed background, but our stories are different. I come from a Puerto Rican and African American background; both ethnicities are a part of who I am.

Read More

Latino First Spoken Language Analysis

382 Words | 2 Pages

Furthermore, another question someone may ask is, “What makes Latinos different from African American students that also live in poor districts with little resources”? First of all, it is important to recognize that it is true that African American students also live in impoverished communities and attend lowly funded schools. However, the difference is that there is a language barrier that disadvantages both parents and students. When students are enrolled into school, the first question school officials ask is “What is the child’s first spoken language”? This question automatically categorizes that student.

Read More

My Experience With Adelante's Analysis

98 Words | 1 Pages

From my experience with Adelante I learned that the assistance with the Education of Latino student’s is vital, not only for them, but for their future. Adelante taught me that the Hispanic community needs more help than what they are given in regards to the education of their children. From my experience with Adelante I learned that the assistance with the Education of Latino student’s is vital, not only for them, but for their future. Adelante taught me that the Hispanic community needs more help than what they are given in regards to the education of their children.

Read More

Blaxicans Richard Rodriguez Analysis

551 Words | 3 Pages

Introduction Mixed races, now, has become a matter of a great concern for various countries. The matter drawn attention of numerous researchers or professors, in which Richard Rodriguez has done an outstanding work with his “Blaxicans” and Other Reinvented Americans” essay .In his essay, through the story circles around the Hispanics, he magnifies the racial classification that formerly exists does not fit today reality. Therefore, it plays an important role to support the author’s overall theory and help the audience to have a clear vision to the problem. Body

Read More

Latino Group Embodiment Analysis

396 Words | 2 Pages

Language and culture (background, music, food, habits, and behavior) are the main contributing factors for which interviewed students described the Latino group as strongly cohesive and a means to distinguish it from other cultural groups on the RBC campus. Bourdieu would call these cultural capital. arguing that they presuppose a process of embodiment (Szeman 2010:83-84). Culture in this sense is taken for granted and self-evident (Eriksen 2004:69). Bourdieu defines this embodied knowledge that Micaela and Tony described as understanding and easiness as habitus.

Read More

Autobiographical Diversity In El Dorado

1801 Words | 8 Pages

Autobiographical Diversity Paper 1. Environment: I grew up in El Dorado, a midsize town in south central Kansas about 30 miles from Wichita. I used to refer to El Dorado as a small town until I came to Kansas State and met many other Kansans who were from towns with 500 or 1,000 people. That made El Dorado, with a population of 13,000, seem pretty big so I call it a midsize town now.

Read More

Deviance Among Latino Males Essay

519 Words | 3 Pages

There is a very high rate at which young males of Latino background are dropping out of high school and in some parts of the U.S the dropout percentage gets to be as high as 60%. There are many reasons for this social issue using the Social Pathology and we will explore the answer to this problem. We can look at these young Latino males in all parts of the country as being deviant. The reason this social problem exists is because of their deviance. So, how is it that all of these males from this particular ethnicity from all parts of the U.S are deviant in the same way?

Read More

Strong Sense Of Nationalism In Hispanic Culture

222 Words | 1 Pages

“No Problemo” is a Problem. Many people have a strong sense of Nationalism in the Hispanic community. They are a proud culture with a very traditional base and beliefs. The Hispanic people like to be identified by the region that they are from and not just generalized. For instance Mexicans are from Mexico while people from Argentina are Argentinian and not just group as “Mexican”.

Read More

Releasing The Beast Analysis

477 Words | 2 Pages

The article “Releasing the beast: A study of compliance with orders to use race as a selection criterion” sought to explore the influence of an authority figure’s directions and actor observability on the usage of race as a selection criterion in employment. This study was done to generalize the findings of Stanley Milgram in his obedience studies. The hypotheses stated that subjects who were told to consider race when considering employees would do so, and that the subjects would obey commands to use race as a selection criterion more when there was high actor observability than when there was low actor observability (Brief, Buttram, Elliott, Reizenstein, & McCline, 1995). The rationale was that it was already known that people submit to authority.

Read More

Targeting The Spanish Speaking Community In Los Angeles

563 Words | 3 Pages

It is actually a diverse Spanish speaking community. Driving down one of the main streets known to my community you will see various ads, and many will be in Spanish. Being able to target the Spanish speaking population. The ads are all over actually, you will find them on buses, on metro trains, billboards on bus stops, and even on freeway

Read More

Christian Colleges Doing Diversity Well, By Christine A. Scheller

841 Words | 4 Pages

Richie Washington Prof. Lackey ENGL 1113-01 9 October 2017 How does a Christian Institution Thrive in Diversity? In the article “Christian Colleges Doing Diversity Well” by Christine A. Scheller, a journalist and essayist, she interviews Christian college administrators who are attempting to make their institutions better by creating a more diverse college community. They have conversations about their efforts to have a diverse school and how some may thrive and look forward to diversity more than others. Nyack College in Nyack, New York was awarded and the Racial Harmony Award back along with many other colleges and universities.

Read More

Public Workforce Impact

1081 Words | 5 Pages

Impact of current economic downturn on public workforce The current economic downturn has had an impact on the public workforce. It has created a tremendous shortage in the public health sector. Generally, almost 15 million Americans are out of work and about five million of them have been out of work for half-a-year or more. Most people have had their hours cut down, working an average workweek of 33 hours.

Read More

More about Swot Analysis Of Ascentra

Open Document