Understanding profitability is critical to achieving sustainable growth. Yet for many financial institutions, visibility into which customers, products, or business units are driving value remains unclear. 

Strata’s Axiom® Profitability Suite gives banks, credit unions, and farm credit associations the clarity and confidence to make better financial decisions — with profitability insights across customers, products, and the organization. 

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Harness a Unified, Finance-Owned Profitability Engine 

Axiom calculates and reports profitability at any level — customer/member, account, product, business unit, or employee — while seamlessly integrating with your general ledger, core systems, and operational data sources. Benefits include: 

 

Single Source of the Truth — Leverage results across budgeting, planning, compensation, and strategic decision-making as part of a unified Enterprise Performance Management (EPM) platform. 

 

Finance ownership — Built for finance, not IT; control the logic behind the numbers and provide transparency across the institution. 

 

Sophistication without complexity — Perform matched maturity funds transfer pricing (FTP), unit costing, and risk adjusted return on capital allocation (RAROC), all in a single platform. 

 

Enterprise scalability — Analyze millions of records, empower thousands of users, and drive collaboration across departments. 

 

 

All-in-one profitability platform — Benefit from a unified platform with web-based access and intuitive report development.

 

ETL automation — Streamline extract, transfer, and load (ETL) for easy integration of account, customer, and transaction-level data.

 

 

Role-based security — Employ advanced security parameters to ensure controlled access to sensitive data.

Organizational Profitability

Empower Leaders with Organizational Profitability Insights

Axiom enables you to evaluate performance across departments, branches, regions, and departments — so you can align incentives, optimize operations, and support strategic growth.

  • Profitability by organizational unit, line of business, or department

  • Comprehensive allocation engine that allows for an unlimited number of user-defined allocation rules that can be applied to budget, actuals, or both

  • Aggregated views for senior management and granular drilldowns for analysts

  • FTP allocations that reflect the true cost of funds across the institution

  • Secure role-based access to ensure each stakeholder sees the right information

Paired with performance targets and benchmarks, these insights drive accountability and agility across the organization. 

Customer Profitability

Leverage Customer Profitability to Maximize Growth. 

a finance leader reviewing a customer profitability dashboard

Identify your most valuable customers — and those requiring attention. Axiom provides a comprehensive view into customer and member profitability by analyzing: 

  • Revenue and margin contribution at the account, individual, or Customer Information File (CIF)/household level

  • Allocated costs, including servicing and support 

  • Customer-level profitability with drilldown to account detail 

Visual dashboards, ranking reports, and variance analyses help you uncover key insights to strengthen client accounts, improve retention, and align pricing strategies.

Product Profitability

Measure What Matters with Product Profitability

With Axiom, you gain insight into the true cost and margin of every product and service. Our unit costing framework attributes resource usage and indirect costs based on real activity, delivering precision without complexity. 

  • Fully configurable costing engine using costing surveys, unit cost drivers, and allocation logic 

  • Profitability attribution by product, account, business line, or service type 

  • “What-if” modeling to test assumptions or pricing changes 

  • Integration with Axiom’s relationship profitability to better understand which products, and how the ways they are used, drive the profitability of entire relationships 

  • Rich visualizations to explore trends, outliers, and opportunities 

Whether you’re evaluating loan products, deposit services, or other product offerings, Axiom helps you understand not just what sells, but what generates value.

 

From Insight to Action

With the Axiom Profitability Suite, financial institutions can move beyond averages and assumptions — unlocking precise, actionable insights across their portfolios and operations. 

Know your best opportunities. Redirect your resources. Drive smarter growth. 

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profitability dashboard