Relational Database Case Study Case Cascadia Credit Union Cascadia Credit Union is focused on financial empowerment and community improvement throughout central and western Washington The credit union provides a wide variety of services to its approximately 40,000 members, including personal credit lines, mortgage loans, auto loans, medical savings accounts, and individual retirement accounts In the last four years, Cascadia Credit Union has seen significant growth in both its membership counts and financial products it offers Last quarter, the credit union purchased and implemented a new database management system (DBMS) to accommodate the needs of its growing institution The DBMS provides an interface between underlying relational data and end users, ensuring that the credit union has consistent, valid, and accessible data Cascadia Credit Union provides users access to varying numbers of tables in its relational database depending on the active directory group to which the user belongs The active directory group defines the view permissions for its users Loan officers have access to a large number of tables in order to work with members on submitting loan applications Three of these tables are shown below Table 1 MEMBER Member ID Last Name First Name Primary Branch Age of Membership Phone Address 225701 Marquette Dana Auburn 4 (555) 882 9518 157 Riverbend 118536 Taylor Scott Olympia 23 (555) 710 2523 6922 Garfield 645351 Jackson Marshall Renton 11 (555) 960 3433 674 Jefferson Apt 3 259781 Abbott Frances Tacoma 35 (555) 221 0167 382 Beech 467195 Ramirez Luis Olympia 6 (555) 316 4547 582 Hillcrest Table 2 APPLICATIONS Application ID Application Date Member ID Primary Employer Credit Score 2014 Income 2015 Income 637 1169 05 20 2016 225701 AquaSource, Inc 690 49551 42350 418 9826 07 01 2016 221619 Tullerson Steel, Inc 600 67274 70377 418 7868 09 01 2016 645351 Cascadia State University 780 83104 85129 507 1871 04 15 2016 559275 Gemini Consulting 640 35816 36090 632 4318 11 19 2016 323487 Cascadia State University 720 42118 43275 Table 3 AUTO LOANS Loan ID Type Application ID Loan Balance Term Total APR A24712 60 New Auto 2015 Newer up to 78 months 637 1169 16200 72 3 22 A24811 60 Used Auto 2012 2012 up to 60 months 418 9826 22500 48 2 99 A29090 60 Used Auto 2008 and Older up to 48 months 507 1871 6000 36 6 99 A36008 60 New Auto 2015 and Newer up to 78 months 632 4318 26000 60 4 55 Case Analysis Cascadia Credit Union is a non profit organization whose earnings benefit its members Discuss some examples of how Cascadia can use its relational database system to improve its services How are the data in the MEMBER and APPLICATIONS tables connected How are the APPLICATIONS and AUTO LOANS tables connected Given a first and last name, how could a credit officer discover what type of auto loan a member has Cascadia Credit Union would like to consider partnering with local colleges and universities to offer promotional pricing to faculty and staff In what ways could they identify which universities they should prioritize Cascadia Credit Union wants to understand how the start of the school year (in September) and the start of summer (in May) impacts the number of auto loans How could they use their relational database to obtain relevant data The credit union wants to develop an overview report about its auto loans for 2016 What data might be useful to include in this report You have been hired as a marketing and pricing consultant to help Cascade develop a strategy to increase the number of auto loans it gives next year Brainstorm some strategies to offer Cascade (Use the relational tables above, or imagine additional data tables Cascade might have ) As a federally insured credit union, Cascadia Credit Union abides by the National Credit Union Administration (NCUA) regulatory framework regarding data security and data breach reporting standards This regulatory framework defines the process and timeline of reporting potential data breaches as well as the standards of acceptable practice for ensuring data security, integrity, and transmission of member data How can the DBMS help Cascadia Credit Union comply with NCUA regulations Cascadia Credit Union managers have a quarterly technology review meeting What are some of the risks of using this relational database system that should be discussed Data quality is a top priority for Cascade Credit Union What might be the impact if data in a table was not correct How could Cascade validate that its data is accurate

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Relational Database Case Study Case: Cascadia Credit Union Cascadia Credit Union is focused on financial empowerment and community improvement throughout central and western Washington. The

Relational Database Case Study

Case: Cascadia Credit Union

Cascadia Credit Union is focused on financial empowerment and community improvement throughout central and western Washington. The credit union provides a wide variety of services to its approximately 40,000 members, including personal credit lines, mortgage loans, auto loans, medical savings accounts, and individual retirement accounts.

In the last four years, Cascadia Credit Union has seen significant growth in both its membership counts and financial products it offers. Last quarter, the credit union purchased and implemented a new database management system (DBMS) to accommodate the needs of its growing institution. The DBMS provides an interface between underlying relational data and end-users, ensuring that the credit union has consistent, valid, and accessible data.

Cascadia Credit Union provides users access to varying numbers of tables in its relational database depending on the active directory group to which the user belongs. The active directory group defines the view permissions for its users. Loan officers have access to a large number of tables in order to work with members on submitting loan applications. Three of these tables are shown below.

Table 1: MEMBER

Member ID	Last Name	First Name	Primary Branch	Age of Membership	Phone	Address
225701	Marquette	Dana	Auburn	4	(555) 882-9518	157 Riverbend
118536	Taylor	Scott	Olympia	23	(555) 710-2523	6922 Garfield
645351	Jackson	Marshall	Renton	11	(555) 960-3433	674 Jefferson Apt #3
259781	Abbott	Frances	Tacoma	35	(555) 221-0167	382 Beech
467195	Ramirez	Luis	Olympia	6	(555) 316-4547	582 Hillcrest

Table 2: APPLICATIONS

Application ID	Application Date	Member ID	Primary Employer	Credit Score	2014 Income	2015 Income
637-1169	05/20/2016	225701	AquaSource, Inc.	690	49551	42350
418-9826	07/01/2016	221619	Tullerson Steel, Inc.	600	67274	70377
418-7868	09/01/2016	645351	Cascadia State University	780	83104	85129
507-1871	04/15/2016	559275	Gemini Consulting	640	35816	36090
632-4318	11/19/2016	323487	Cascadia State University	720	42118	43275

Table 3: AUTO LOANS

Loan ID	Type	Application ID	Loan Balance	Term Total	APR
A24712-60	New Auto 2015 % Newer up to 78 months	637-1169	16200	72	3.22
A24811-60	Used Auto 2012-2012 up to 60 months	418-9826	22500	48	2.99
A29090-60	Used Auto 2008 and Older up to 48 months	507-1871	6000	36	6.99
A36008-60	New Auto 2015 and Newer up to 78 months	632-4318	26000	60	4.55

Case Analysis

Cascadia Credit Union is a non-profit organization whose earnings benefit its members. Discuss some examples of how Cascadia can use its relational database system to improve its services.
How are the data in the MEMBER and APPLICATIONS tables connected? How are the APPLICATIONS and AUTO LOANS tables connected?
Given a first and last name, how could a credit officer discover what type of auto loan a member has?
Cascadia Credit Union would like to consider partnering with local colleges and universities to offer promotional pricing to faculty and staff. In what ways could they identify which universities they should prioritize?
Cascadia Credit Union wants to understand how the start of the school year (in September) and the start of summer (in May) impacts the number of auto loans. How could they use their relational database to obtain relevant data?
The credit union wants to develop an overview report about its auto loans for 2016. What data might be useful to include in this report?
You have been hired as a marketing and pricing consultant to help Cascade develop a strategy to increase the number of auto loans it gives next year. Brainstorm some strategies to offer Cascade. (Use the relational tables above, or imagine additional data tables Cascade might have.)
As a federally-insured credit union, Cascadia Credit Union abides by the National Credit Union Administration (NCUA) regulatory framework regarding data security and data breach reporting standards. This regulatory framework defines the process and timeline of reporting potential data breaches as well as the standards of acceptable practice for ensuring data security, integrity, and transmission of member data. How can the DBMS help Cascadia Credit Union comply with NCUA regulations?
Cascadia Credit Union managers have a quarterly technology review meeting. What are some of the risks of using this relational database system that should be discussed?
Data quality is a top priority for Cascade Credit Union. What might be the impact if data in a table was not correct? How could Cascade validate that its data is accurate?