Team Case Study Legend and Coding: Gender : 0 = Male; 1 = Female Age: Age of customers Income: Personal income in thousands Deposit Before: Amount of deposits before the pilot; in thousands Deposit After: Amount of deposits after the pilot; in thousands Loan Before: Amount of loans before the pilot; in thousands Loan After: Amount of loans after the pilot; in thousands Recommend Before: Before the pilot, whether member would recommend the Credit Union to their friends and family; 1 Recommend After: After the pilot, whether member would recommend the Credit Union to their friends and family; 1 = Raw Data can be found under the "Raw Data" Tab!! on to their friends and family; 1 = Yes, 0 = No to their friends and family; 1 = Yes, 0 = No Customer ID 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 Branch 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 Region 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 Gender 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 Age 65 43 45 64 37 43 47 56 59 29 51 50 47 43 44 57 50 53 55 60 56 39 31 41 35 30 31 49 63 43 58 47 57 32 61 39 58 42 36 34 59 42 35 59 57 28 40 37 62 Income 72.0 49.5 78.8 68.2 43.9 82.5 46.4 39.8 58.5 62.9 51.8 35.8 43.5 70.8 74.5 52.6 45.1 67.7 48.3 70.2 62.6 51.3 61.7 64.0 63.9 76.2 63.2 59.3 57.8 53.6 64.0 50.0 51.3 37.0 74.8 39.0 76.0 61.8 25.1 30.7 54.5 50.4 41.3 75.4 63.5 56.4 59.3 48.8 67.5 Deposit Before Deposit After 26.3 30.6 24.4 18.1 17.4 19.3 23.3 31.0 17.5 21.9 15.6 21.3 24.3 24.1 20.0 18.4 21.0 19.6 14.3 18.9 15.1 30.6 24.8 19.3 25.6 29.0 21.6 21.7 22.7 18.6 19.1 20.4 24.9 27.6 15.6 26.7 22.9 27.7 23.1 19.8 19.2 19.3 14.8 20.1 19.6 18.2 14.4 18.5 26.3 25.3 23.2 30.8 24.3 30.1 20.7 23.6 23.4 30.1 25.4 23.8 19.7 25.3 22.1 26.0 22.9 25.4 19.4 31.9 16.5 26.2 20.1 29.6 15.3 19.1 25.5 25.6 23.0 23.0 21.6 18.9 19.1 21.9 20.3 25.3 24.6 25.9 14.3 30.0 24.4 20.7 24.6 30.4 18.2 31.6 26.2 28.5 19.0 20.6 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 0 1 0 0 0 0 1 0 1 1 1 0 1 0 1 1 0 0 1 0 0 1 1 0 0 0 1 0 0 0 0 0 1 0 1 1 1 32 30 65 61 55 39 61 41 60 41 35 59 57 28 40 37 62 32 30 65 61 55 39 61 41 60 41 49 63 43 58 47 57 32 61 39 41 60 41 30 31 57 32 61 39 57 28 40 37 41 51.4 71.7 61.8 52.3 40.1 51.9 61.7 57.3 73.3 55.3 45.4 48.5 47.3 46.2 54.7 44.6 51.5 52.9 46.8 44.2 45.8 47.4 44.0 52.6 44.0 51.1 47.8 48.8 44.5 44.4 50.7 53.2 43.7 46.2 46.5 48.1 48.8 54.6 49.0 48.0 50.5 54.9 50.6 47.0 48.4 51.9 45.5 52.2 46.3 45.5 26.6 20.0 19.0 19.7 16.2 22.2 26.6 25.9 17.0 26.9 22.3 16.3 21.9 14.4 14.1 23.1 24.7 17.5 20.1 18.5 19.2 21.5 14.9 18.1 26.3 22.6 24.1 22.4 17.1 14.8 19.7 17.5 14.1 17.2 18.3 17.5 16.7 23.7 17.3 16.7 25.8 19.8 25.5 25.9 21.1 20.9 24.4 22.9 24.0 25.6 20.6 27.6 30.0 27.8 22.2 20.4 19.2 21.2 24.0 19.0 22.2 31.7 27.5 19.1 21.3 20.7 20.3 29.8 31.6 26.6 25.8 27.9 18.5 27.7 22.2 20.1 28.9 18.4 28.9 21.3 22.5 31.3 22.3 20.4 25.9 23.9 21.3 23.2 22.2 18.7 19.3 28.5 22.6 22.9 26.4 29.4 21.7 19.9 19.5 27.4 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 2 2 2 2 2 2 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 1 1 1 1 1 1 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 1 1 1 1 1 0 0 1 1 0 1 1 1 1 0 1 0 1 1 1 0 1 0 1 1 0 0 0 1 0 1 1 0 1 1 0 0 1 0 0 1 0 0 1 1 1 0 0 0 0 35 30 31 49 63 43 58 47 57 32 61 39 58 42 36 34 30 61 55 39 61 41 60 41 30 31 49 32 61 39 58 42 36 34 30 65 61 55 39 30 31 49 63 43 58 47 57 32 61 39 45.3 43.6 51.5 44.5 48.8 49.9 52.1 49.2 50.1 51.1 48.0 45.5 49.3 50.6 48.1 54.9 54.0 51.9 48.9 53.2 52.7 44.4 43.7 49.5 54.2 53.6 52.8 53.5 46.9 44.5 44.2 52.0 47.2 48.8 53.6 46.6 52.8 45.6 54.2 50.3 49.8 50.9 51.8 44.8 53.3 44.5 53.2 52.1 45.8 43.1 16.4 14.7 19.3 17.6 16.7 26.1 26.5 17.3 22.0 16.2 22.4 14.8 15.2 26.3 23.5 21.4 14.3 25.9 25.6 16.7 25.9 17.0 23.1 25.4 24.6 18.9 21.4 25.5 14.6 22.1 19.3 16.3 18.0 16.9 23.2 23.3 22.1 17.7 22.1 22.9 22.3 23.2 14.3 14.1 15.3 22.2 19.7 15.7 25.5 23.8 28.9 31.3 25.3 27.1 22.9 29.6 25.8 28.7 26.9 29.3 23.1 20.5 18.0 18.6 23.7 25.9 29.2 28.6 22.8 27.7 27.0 25.1 25.5 25.8 25.6 30.2 31.7 26.2 30.2 31.2 30.1 21.9 28.2 27.1 26.5 21.0 27.2 26.3 29.2 26.4 22.6 18.6 25.8 18.6 27.4 32.0 25.6 30.6 18.3 18.8 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 4 4 4 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 1 0 0 1 0 0 1 0 1 1 1 0 0 0 0 0 0 1 0 1 1 1 1 1 1 0 1 0 1 0 0 1 1 0 1 1 1 1 1 0 0 1 0 1 1 1 0 1 1 1 58 42 36 34 30 65 28 33 45 34 70 43 56 32 49 63 43 33 45 34 70 43 56 58 61 39 58 42 36 34 30 65 28 33 45 34 70 43 56 32 32 61 39 58 42 36 34 30 65 61 52.0 51.1 44.4 53.0 48.2 44.7 46.9 47.0 44.9 49.7 45.1 53.6 49.6 51.3 49.1 53.4 44.8 43.6 54.1 52.0 45.4 49.8 48.9 50.3 51.5 44.8 51.0 51.6 53.1 45.0 53.1 52.9 43.5 44.2 49.5 45.5 50.0 43.4 43.5 54.9 47.2 54.1 47.7 51.5 46.7 43.7 54.1 44.1 47.8 44.9 21.0 21.3 26.3 22.5 18.7 22.9 16.9 22.0 21.8 26.5 24.9 17.8 19.1 26.5 15.6 17.3 22.2 25.3 25.9 15.2 25.9 25.5 20.2 16.6 26.9 19.7 20.1 25.2 20.2 22.2 21.8 15.3 15.5 16.7 18.8 25.0 16.2 19.7 26.0 20.4 22.0 16.4 14.7 18.9 14.8 17.2 19.3 23.4 17.3 16.1 18.8 18.8 22.0 20.0 31.3 20.1 31.5 25.7 31.7 21.6 21.7 22.6 20.3 28.7 30.7 21.2 25.5 23.9 29.4 22.6 19.1 28.9 22.6 19.9 30.8 29.2 21.3 25.3 23.6 30.0 30.7 28.3 26.1 22.6 20.4 20.5 23.7 18.3 23.9 21.6 24.0 21.3 29.7 23.0 19.9 24.6 31.7 19.5 20.7 26.0 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 1 1 1 0 1 0 0 0 1 0 1 1 0 0 0 1 1 0 0 1 1 1 0 0 1 0 1 0 1 0 1 1 0 0 1 1 0 0 0 1 0 1 1 1 0 0 0 1 0 0 55 39 40 39 26 29 24 51 48 36 34 30 65 61 55 39 61 41 60 41 30 31 49 32 61 39 58 42 36 34 30 65 61 55 39 61 61 39 58 42 36 34 59 42 35 39 31 41 35 30 53.0 54.4 44.7 54.8 43.4 43.1 52.3 53.2 45.7 54.7 54.4 48.3 45.3 47.8 44.3 45.4 51.6 52.4 43.7 51.7 48.3 44.2 53.3 47.5 52.5 46.2 43.2 54.0 46.0 48.7 47.4 53.2 54.5 53.8 46.6 49.9 46.4 46.6 52.3 51.9 45.5 50.2 46.5 47.6 52.8 52.5 46.8 51.6 49.1 49.2 16.9 16.1 23.2 25.1 16.4 23.8 15.9 24.0 15.4 22.2 18.1 22.7 16.3 23.6 26.4 23.1 20.6 16.5 20.9 26.7 19.0 17.9 26.2 16.6 22.5 16.0 14.6 22.5 17.8 16.4 16.2 24.6 18.7 25.9 26.1 14.8 20.5 19.5 16.6 18.5 15.3 22.7 22.7 15.0 24.9 22.7 20.7 22.8 14.1 18.3 26.2 20.4 23.1 25.8 25.6 23.3 22.5 21.8 22.3 28.9 27.9 19.2 26.4 24.5 21.3 29.2 23.3 23.4 18.6 20.4 21.2 21.7 19.8 25.1 25.8 20.5 31.6 31.1 20.6 28.4 23.2 26.1 18.9 20.7 30.7 27.2 24.1 31.7 18.6 30.8 24.5 30.3 31.6 19.1 20.2 30.3 24.2 21.4 26.6 30.5 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 0 0 1 1 0 0 1 0 0 1 1 1 1 0 1 1 1 1 1 0 1 0 0 1 1 0 0 1 0 1 0 1 1 1 1 1 1 1 0 0 0 31 49 63 43 58 47 57 32 61 39 58 42 36 34 59 42 35 59 57 28 40 37 62 32 30 65 61 55 39 31 49 32 61 39 58 42 36 63 34 47 39 47.1 45.4 49.6 47.5 49.2 44.2 46.1 54.9 48.2 43.4 49.8 50.0 44.30 46.90 51.20 43.10 49.50 49.50 48.30 48.80 43.00 43.60 48.80 44.90 45.40 43.70 43.40 53.30 48.30 48.20 47.50 45.70 48.00 53.80 50.70 43.50 53.50 43.30 47.60 54.50 49.40 22.6 26.4 19.7 26.7 19.8 22.6 23.5 23.0 14.7 21.0 25.4 25.6 25.90 25.20 15.70 17.20 25.70 24.40 14.90 20.80 15.60 25.00 24.20 26.70 17.90 16.00 17.90 25.70 15.20 16.70 15.10 23.40 26.00 14.50 21.20 24.10 15.70 19.90 23.50 24.10 15.40 24.7 20.9 20.8 25.6 22.1 25.7 27.5 22.9 25.3 29.1 26.6 18.6 23.80 26.30 29.30 18.00 30.00 28.50 26.80 26.30 22.50 30.30 28.40 23.70 20.00 23.60 26.10 27.00 28.40 18.50 25.20 23.90 21.30 26.20 20.20 30.50 30.60 21.10 19.70 18.40 22.30 Loans Before Loans After 35.2 48.1 54.3 62.4 38.5 51.1 50.6 63.3 39.2 45.5 43.5 60.6 50.7 55.1 50.3 48.8 42.5 55.9 50.2 58.7 46.0 53.0 48.7 54.3 48.8 62.0 40.8 50.1 54.6 51.3 41.9 48.7 39.9 43.2 45.9 47.0 50.2 61.4 49.1 50.1 46.6 61.6 51.5 58.1 47.5 55.7 49.4 56.0 38.0 62.3 46.7 49.9 43.1 53.5 45.6 61.4 40.1 55.7 46.3 49.5 35.8 47.1 49.5 49.6 48.5 54.7 53.2 60.5 46.2 49.2 44.5 57.1 38.1 50.7 50.1 56.0 46.8 50.2 46.8 46.2 46.6 62.7 47.5 61.3 39.5 56.6 35.6 45.1 49.7 55.9 44.0 43.4 40.3 57.9 37.7 47.6 53.0 63.4 Recommend Before 1 1 1 0 1 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 0 1 1 1 0 0 0 1 0 1 0 0 0 1 1 0 1 0 1 1 1 1 1 1 1 0 1 1 Recommend After 1 1 1 1 1 1 1 1 1 1 1 1 1 0 1 0 1 1 1 1 1 1 1 1 1 0 1 1 1 1 1 0 1 1 1 1 1 1 1 0 1 0 1 0 1 1 1 1 1 51.3 45.2 36.8 35.4 46.7 50.1 40.1 48.2 49.5 39.4 45.5 39.3 44.5 39.9 44.2 39.0 51.2 46.1 43.4 44.1 50.2 39.1 35.6 49.3 37.4 49.3 52.9 50.0 37.7 53.0 45.7 36.9 43.4 41.2 54.9 55.0 36.8 38.6 37.1 49.9 47.2 46.0 39.9 53.9 35.5 54.3 36.8 42.0 50.5 50.3 56.7 47.5 50.5 56.1 57.8 61.2 58.7 45.3 51.5 62.9 46.2 50.1 47.0 48.3 54.3 46.4 63.4 54.5 44.7 57.3 55.7 46.5 49.6 44.2 60.6 56.5 49.0 62.8 61.4 50.6 44.7 44.7 50.1 59.2 54.8 55.4 45.7 59.1 55.2 59.5 45.9 47.2 58.4 58.1 63.5 63.0 61.0 47.4 44.4 63.7 1 0 1 1 0 1 0 0 1 1 1 1 0 0 0 1 1 0 1 1 1 1 1 1 1 1 1 1 1 0 1 1 1 1 0 1 1 0 1 0 0 1 1 1 1 0 1 0 1 1 0 1 1 0 1 1 1 1 1 1 1 1 1 1 1 1 1 0 1 1 1 1 1 0 1 0 1 1 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 1 1 0 1 1 0 44.7 37.6 35.3 39.8 48.7 51.5 50.4 42.9 52.2 44.7 40.6 38.2 46.6 47.0 53.5 36.5 47.7 45.8 44.5 38.3 54.3 54.5 44.5 42.4 52.3 50.7 43.7 54.5 38.7 44.5 52.5 53.0 48.6 44.3 54.5 48.1 54.9 41.7 51.7 37.1 39.7 42.3 39.6 53.4 45.9 42.8 46.1 41.0 43.8 36.3 49.7 58.0 48.8 57.2 63.5 43.6 54.9 59.0 57.2 52.2 59.9 48.2 59.5 58.3 58.6 56.6 62.1 58.9 57.8 48.6 49.2 52.4 62.9 56.3 62.6 45.9 61.0 52.6 45.6 56.8 53.3 47.3 58.7 52.5 62.7 49.9 45.2 48.2 53.7 62.7 46.2 58.1 60.1 48.3 56.2 48.4 51.1 57.5 49.8 51.7 0 1 0 0 1 1 1 1 0 0 0 1 0 0 1 1 1 1 0 0 1 1 1 1 0 0 1 1 0 1 0 0 1 1 1 1 0 1 0 1 1 0 1 1 0 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 1 1 35.6 51.6 49.9 48.6 52.9 49.5 49.9 40.9 40.2 45.2 42.9 37.6 42.5 48.0 36.4 38.8 38.6 41.4 54.0 37.6 39.7 45.1 41.3 45.6 53.0 54.6 51.8 41.8 50.9 37.6 54.3 50.2 48.1 46.9 54.1 49.0 37.4 55.0 53.0 42.5 46.3 45.5 39.0 50.5 38.0 46.3 52.8 35.0 39.7 44.9 56.1 44.8 44.3 61.4 45.3 56.5 58.7 54.4 43.3 52.0 55.0 49.5 60.7 46.4 55.5 59.2 44.8 43.4 47.5 59.6 44.6 55.0 47.0 48.2 54.3 59.3 58.2 62.1 47.8 44.0 45.2 58.1 45.8 54.5 50.8 57.0 47.7 63.3 59.9 46.9 54.2 60.3 53.1 61.7 53.2 47.4 44.8 43.9 45.3 45.7 0 0 1 0 0 1 1 1 0 1 0 0 0 1 1 0 1 0 0 1 1 1 1 0 0 1 0 0 0 1 0 0 1 1 0 1 0 1 1 1 1 1 1 1 1 1 0 1 0 1 1 1 1 1 1 1 1 0 1 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 51.8 49.3 53.3 40.6 44.8 38.2 50.7 43.1 46.4 48.2 49.4 42.9 46.2 39.6 43.5 42.6 39.9 45.4 49.5 38.6 43.8 53.7 47.8 40.0 52.7 50.1 51.2 51.6 48.2 41.5 37.4 45.9 49.5 53.2 45.0 36.2 52.1 51.4 47.3 36.2 44.9 45.0 39.8 37.4 50.9 50.5 46.1 48.1 48.9 37.4 43.6 50.6 52.1 60.7 57.6 53.5 57.2 62.1 50.2 53.1 44.0 45.0 50.8 56.4 57.8 61.7 51.2 61.7 49.3 52.4 50.5 46.7 50.5 46.1 62.9 55.3 48.8 62.5 53.0 51.5 44.5 63.5 62.5 53.7 43.0 44.6 59.5 50.4 51.3 45.3 53.6 57.1 59.1 61.8 62.2 48.0 54.3 57.3 52.0 45.5 1 1 1 1 0 0 1 1 1 1 1 0 1 1 1 1 1 1 0 0 1 1 1 1 0 0 0 1 0 0 1 1 1 0 1 1 1 1 1 1 1 0 0 0 1 0 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 1 1 0 1 1 1 36.2 50.2 38.1 42.7 54.6 38.3 41.1 35.5 53.7 40.4 39.9 54.9 52.70 51.20 42.70 39.60 52.30 51.70 47.30 49.80 48.40 45.80 51.70 39.60 42.70 35.90 51.50 47.30 50.00 50.40 54.80 35.80 46.60 36.30 42.10 51.10 40.90 43.70 48.10 54.90 53.80 62.0 45.3 48.0 50.3 47.0 43.7 46.7 44.0 57.8 61.9 45.0 49.3 56.80 62.00 45.60 56.20 45.50 62.20 59.60 52.90 54.90 46.60 54.70 44.00 59.70 59.10 48.90 60.40 58.30 44.70 59.80 46.70 43.50 49.80 62.80 53.00 58.50 56.00 56.00 57.50 48.10 1 1 0 0 0 1 1 1 1 0 1 0 1 0 0 1 1 1 1 1 0 0 0 1 0 0 1 1 0 0 1 0 0 1 1 1 0 1 0 1 0 1 1 1 1 1 1 1 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 0 1 1 1 1 1 1 0 1 1 1 1