SALT LAKE CITY-With delinquencies and charge-offs becoming an increasingly important issue in recent years due to the weight of bad loans on balance sheets, Deseret First Credit Union has improved its loan analysis.

The CU worked with Visible Equity, LLC, an analytics and technology company also based here. Michael Warner, Deseret First's AVP of real estate lending, said Visible Equity's Silverback Portfolio Analytics service provides the CU with the ability to see how variable economic conditions such as property value or borrower credit score can affect its members' ability to repay their loans.

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