Reporting & Ledgers

See the whole picture. As it happens.

Murmuration Reporting & Ledgers brings your financial data together in real time, giving management and Boards the clarity they need to understand performance, spot what matters and make better decisions.

Less time gathering data. More time acting on it.
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Integrated. Accurate. Always up to date.

One source of truth across every ledger.

When information sits across different systems, getting a clear financial picture becomes harder than it should be. Murmuration brings your general ledger and supporting ledgers together, keeping financial information connected, consistent and ready to report on.

No reconciliations. No delays. Just accurate financial data you can trust.

Everything connected. Everything accounted for.

General ledger

A complete, up-to-date view of your financial position

real-time postings · connected to every sub-ledger

Loan ledger Balances, repayments, interest and portfolio activity.
Savings ledger Member savings, balances, transactions and movements.
Member ledger Connect financial activity with the members behind it.
Treasury ledger A clear record of deposits, liquidity and treasury activity.
Fees & charges ledger Track fees, charges and associated income accurately.
Delinquency ledger Clear visibility of arrears and delinquent balances.

From the big picture to the detail behind it

Give everyone the information they need without another reporting exercise.

Murmuration turns live data into clear dashboards and reports for management, Boards and operational teams — helping everyone work from the same information.

Management reporting

Understand financial and operational performance as it develops.

Board dashboards

A clear, accessible view of the measures that matter.

Performance KPIs

Track the indicators that show where you're performing — and where attention is needed.

Custom dashboards

Build views around the information that matters to your credit union.

See what matters. Understand why. Act sooner.

Reports for every need

Comprehensive reporting across your organisation.

Reporting shouldn't mean pulling information from multiple systems and rebuilding it in spreadsheets. From day-to-day management information to regulatory requirements, you get the reporting you need from the same connected source of data.

Financial reporting

A clear view of financial position and performance.

Regulatory reporting

Simpler regulatory reporting with consistent, accessible data.

Loan & savings reporting

Balances, movements, trends and portfolio performance.

Treasury reporting

See liquidity, deposits and treasury activity clearly.

Member reporting

Understand your membership and how members engage.

Delinquency reporting

Identify arrears, trends and emerging areas of concern.

Consumer Duty reporting

The information needed to monitor and evidence member outcomes.

Fraud reporting

Surface fraud activity and trends for investigation and oversight.

Audit reports

Clear, traceable information without the usual data-gathering exercise.

Stop reporting on yesterday

Traditional reporting tells you what happened. Murmuration shows what’s happening.

Real-time analytics and live dashboards give your teams a continuously updated view of performance, so emerging trends, risks and opportunities can be identified sooner. Drill from headline KPIs into the detail behind them.

Real-time analytics

See performance as your data changes.

Custom dashboards

Put the right information in front of the right people.

Data export

Take your data further when you need to, without losing access to it.

Don’t wait for month-end to understand your business.

Give your Board answers, not spreadsheets

Everyone works from the same data.

Board reporting should create clarity, not more administration. Give your Board an accessible view of financial performance, membership, lending, savings, treasury and delinquency — backed by the detail management needs.

Less preparation. Better conversations. More informed decisions.

Reporting you can stand behind

Good reporting isn't only about seeing the numbers. It's about knowing where they came from.

Murmuration maintains the underlying records and audit trail needed to give management, Boards, regulators and auditors confidence in the information they’re seeing.

Traceable

From high-level dashboards to individual transactions, the detail is there when you need it.

Accountable

A clear record of what happened, who acted and what was approved.

Audit ready

Give auditors and regulators the information they ask for without a data-gathering project.

Know more. Sooner.

One source of truth. Every level of insight.

Bring your ledgers, reporting and analytics together and give your entire credit union a clearer view of what’s happening — right now.

Clear. Traceable. Accountable.

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