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Post by Phil Lucas
May 21, 2026 5:21:01 PM
Phil has 15 years of experience working with clients including fixed-income investment advisory, ALM and liquidity management, credit union policy, and profitability analysis. At Accolade, Phil manages client investment portfolios, recommends balance sheet strategies, and oversees the review of interest rate risk reports.

New reporting features are coming to Accolade’s LPP. Learn how trending loan origination analysis identifies key drivers of margin compression, including aggressive promotional pricing, a higher concentration of lower-margin products like mortgages, and a shift toward lower-yield, high-credit-quality borrowers. In our example, pool analysis (i.e., credit cards) shows a rare combination of expanding margins and better credit performance.