Member Lifetime Value Intelligence

Executive Summary

Q4 2025 • Total Portfolio Value: $848,850,000

Total Members
45,280
92.5% retention rate
Average CLV
$18,750
8.3 years avg tenure
At-Risk Value
$136M
2,264 critical risk members

Portfolio Health Metrics

4,528
High Value Members
10.0%
Premium Segment
2.4
Avg Products
68.5%
Revenue Concentration

Retention ROI Scenarios

Improvement Members Retained Revenue Impact ROI Multiple
+1% 453 $8.5M 3.2x
+2% 906 $17.0M 3.2x
+5% 2,264 $42.5M 3.2x

Key CLV Insights

Critical Churn Risk Alert — 2,264 members at critical risk
Revenue Concentration High — Top 10% = 68.5% of CLV
Product Penetration Gap — 2.4 vs 3.2 benchmark
Strong CLV Growth — +5.3% over 6 months

Strategic Recommendations

1
Critical Churn Intervention
Personal outreach to critical-risk members.
Expected Impact: Retain $12.5M in CLV
2
Cross-Sell to Deposits-Only
Target 18,112 deposit-only members.
Expected Impact: Increase avg CLV by $8,000
3
Digital Engagement Campaign
Drive digital adoption from 67% to 78%.
Expected Impact: 18% CLV contribution