Risk Management
We follow a robust underwriting process to understand and actively manage risk
Investment Ethos
AVANA CUSO’s strong investment ethos is reflected in our portfolio. We currently hold 169 active loans with a total original loan amount of $620MM against a total appraised collateral of $971MM.
Special Asset Management
Custom Scenario Modeling
Portfolio Analysis Tools
Upload your loan data and gain access to a suite of powerful dashboards and visualization tools. AVANA CUSO’s Portfolio Analysis platform allows credit unions to monitor performance, uncover trends, and evaluate risk exposure in real-time—all within a secure, user-friendly interface.
Peer Benchmarking & Risk Insights
Gain perspective with Peer Benchmarking & Risk Insights that compare your portfolio against industry peers. These optional analytics help credit unions identify strengths and opportunities, providing a broader view of market trends, asset quality, and strategic positioning.
ALCO / Board-Level Portfolio Consulting
We offer optional ALCO and Board-level consulting to support strategic portfolio discussions. Our experts bring deep financial experience to help guide investment decisions, policy reviews, and risk frameworks—elevating the quality of internal discussions and governance.
Trainings & Webinars
Stay ahead with our customized Trainings and Webinars covering Special Asset strategies, tech tools, market trends, and more. Designed for lending, credit, and executive teams, these sessions ensure your staff is equipped with the latest knowledge to support long-term success.
Lockstep of Purpose and Profit
We’re dedicated to lending that promotes positive social change, fueling economic progress in communities across USA.
Alignment of Interest
AVANA invests alongside Investors in a 90%/10% structure. We make money only when our investors make money from their investments.
Our Robust Underwriting Process
We follow a thorough seven-stage method, from the loan origination to disbursal. This allows us to optimize for efficiency and effectiveness in our loan process. Our goal is to provide quick and easy access to loans for individuals and businesses in need.
Our first stage of the loan process is the initial application. This is where users can submit their basic personal and financial information through our online form. We understand the importance of privacy and security, which is why we use top-of-the-line encryption technology to protect your data.
Once your application has been submitted, our team will review it within 24 hours. We take into consideration various factors such as credit score, income, and collateral in order to determine the best loan options for each individual.
Next comes the pre-approval stage. If your application meets our criteria, we will send you a pre-approval letter outlining the terms and conditions of your potential loan.
Active Portfolio*
AVANA CUSO’s strong investment ethos is reflected in our portfolio. We currently hold 169 active loans with a total original loan amount of $620MM against a total appraised collateral of $971MM.
| Parameter | Original Note Amount | Current Note Balance | Collateral Value | LTV | Loan Terms (Months) | Interest Rate |
|---|---|---|---|---|---|---|
| Total | $620,085,047 | $556,068,172 | $971,064,225 | Various | Various | Various |
| Mean | $4,133,900 | $3,707,121 | $6,473,762 | 54% | 111 | 5.21% |
| Median | $2,445,000 | $2,133,551 | $4,465,000 | 60% | 120 | 4.50% |
* Active Portfolio as of 30th September 2024
Risk & Disclosure: Please note that figures are based on actual historical monthly payments and remittances and do not guarantee future performance. Private real estate lending involves risks, including but not limited to, illiquidity, interest rate, reinvestment, prepayment and default risks. The detailed description of risks involved are summarized in Private Placement Memorandum (the “PPM”) for investors’ intensive perusal.
Proven Success Stories
Our Team
Ward Hickey
SVP, Business Development Officer
Josephine Aquino
Customer Success Manager
Candace Sheets
SVP, Credit
