Patent ID: 7962404

Claim:
A method of determining automobile loan opportunities for a credit union, the method comprising: determining a geographic region serviced by the credit union; accessing population data estimating a number of adult individuals in the geographic region; accessing data estimating a percentage of adults in the geographic region that are currently making payments on at least one automobile loan; determining, using a computer processor, an estimated number of individuals with outstanding automobile loans in the geographic region based on the number of adult individuals in the geographic region and the estimated percentage; retrieving an estimated number of actual credit union customers, wherein the estimated number of actual credit union customers is an approximate number of individuals who have outstanding automobile loans serviced by the credit union; determining, using the computer processor, an estimated number of potential credit union customers, based on a difference between the number of individuals with outstanding automobile loans and the number of actual credit union customers; apportioning, using the computer processor, the number of potential credit union customers by a plurality of credit tiers, the apportioning being determined based on population-based percentage information relating to the plurality of credit tiers; and displaying a graphical indication of one or more opportunity credit tiers of the plurality of credit tiers, based on a determination, by the computer processor for each tier of the opportunity credit tiers, that an average automobile loan interest rate offered by the credit union for the tier is less than an average automobile loan interest rate for the same tier, wherein the average automobile loan interest rate is retrieved from an external data source.