what we do // Engagement Solutions // Location Services

Location Services for Banks & Credit Unions

choose your next site location with confidence.

BENEFITS

we help you find the right place to call your own.

To maximize the efficiency of your branch network, we need to understand demographic, competitive, and economic trends as well as detailed financial modeling.

consulting services

We work to understand your needs and those of the market into which you plan to expand.

market research

Leverage our market analysis, insights, and branch planning tools.

product & profitability

Implement concise, streamlined product lineups targeted to specific market segments.

An sign at the entrance to a bank parking lot.

Branch Site Analysis

Element will evaluate the demographic and competitive environment surrounding your proposed location to build complete financial projections for the branch. The evaluation recommends whether to proceed with the project and discusses the primary indicators, risks, and alternatives.

Branch Network Optimization

Supported by rigorous demographic and financial modeling, our process starts with learning your institution’s guiding principles and strategic objectives.

Our input yields efficient branch networks aligned with the opportunity available in each of your institution's market areas.
Our optimization projects produce a three- to five-year plan for branch openings and closings, and for bank acquisitions.
Using your institution's own financial model, our analysis produces detailed financial projections for all submarkets.

A hallway with monitors displaying a vision statement

Retail Staffing Models

Staffing your branch and call centers appropriately is critical to productivity, service quality, and efficiency. In the Retail Staffing Review, we will examine transaction levels, sales demand, call volumes, and other branch attributes in order to recommend the appropriate staff configuration.

Market Analysis & Branch Planning

General ledger and cost accounting systems may not accurately represent branch profitability due to the skewed nature of a branch’s balance sheet. A useful profitability report impounds the value of deposit dollars gathered, the impact of transactions run beyond the branch of account, and other non-accounting issues. Such reports must also include the proper summary measures, as bank level statistics such as ROA or EPS may prove inappropriate for assessing the value of a branch.

Testimonials

our clients talk

From ownership to service calls, the Element team is dedicated to its clients and their projects. It felt like we worked side by side to accomplish a huge accomplishment all during a pandemic.

Robb Scott

President and Chief Executive Officer

Copper State Credit Union

Every bit matters. Not only is this our tagline, but it's also a motto that we strive to live up to. The difference between good and great is minute. We can't lose sight of the small details that truly separate excellence.

Nate Baldasaro

Co-founder

The Element Group

The Element Story

One of the things I realized was that we didn’t want to just do business with someone we wanted to grow with someone, we looked at our organization and found similar core values with The Element Group.

Ismael “Ish” Eustaquio

Senior Vice President Retail Banking Division

Hawaii State Federal Credit Union

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It wasn’t just about the job at hand, but care and drive to focus on a common cause.

Kacey Clayborn

Facilities Manager

Opportunity Bank

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We had a vision and everyone at Element bought into it right away with their customizations. Nothing Element did was off the shelf. What resulted was a welcoming space that physically shows our connectedness to the community and helps us deliver on our mission — to provide strong financial futures for Montanans.

Pete Johnson

CEO

Opportunity Bank

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I LOVE our new branch! It’s awesome and an experience like no other! Everyone that stops in loves it too!

Corey Dahle

Chief Experience Officer

Idaho Central Credit Union

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Our Engagement Solutions