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TeleConference: Key Ratio Analysis - Calculating the Numbers Effectively!


Tuesday, May 20, 2014   (90 minutes)

10:00 - 11:30 am (CST)


Speaker: David Osburn, Osburn & Associates, LLC


About the Program

Ratios, ratios, and more ratios! What do they really mean? Many financial professionals including credit union employees use financial ratios on a regular basis. But do they always use the same ratios and more importantly, do they always interpret the ratios in the same manner? Attend this proactive training session and learn an in-depth “five-step” key ratio analysis plan including liquidity, activity, leverage, operating performance, and cash flow analysis which will clarify and “unify” this often confusing financial subject. Upon completion of this session, the credit union employee will be able to better negotiate with their business members as well as other financial professionals. The session will also include a review of “spreading” a financial statement using the Moody’s Risk Analyst software in order to analyze key ratios and the bankruptcy (Z-score) predictor and sustainable growth models.


A case study will be presented to illustrate the main concepts associated with key ratio analysis.

  • Utilize a five-step ratio analysis plan to correctly interpret the financial condition of the business client
  • Practice negotiating with other financial professionals using the ratios
  • Review the Z-score and sustainable growth models
  • Case analysis: Applying the concepts!

Related Files
Printable Brochure (Adobe PDF File)

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