Financial Ratios – Bullet Charts

In May of this year I offered a template of gages that a board of directors might find useful to spot problems in their credit union or small bank. Read the post Financial Ratio Gauges for more information on why I wrote the financial gages spreadsheet. The gages looked like this:


I have just put together another spreadsheet that does the same thing, but may or may not be easier to use. It is really a matter of taste and which one you think is easiest to understand. Like the gages, the bullet charts are colored green for good or red for a potential problem. The bullet charts have a little more room between red and green, with a yellow neutral. This is what they look like:


The inputs are much the same as the gages inputs. The charts need to be updated (push a button) each time the Chart Range is changed. One other difference is that with the gauges you pushed a button to reverse the red and green. In the bullet charts the colors don’t flip, but the chart range changes with a TRUE or FALSE drop down box, and the update button:

Bullet2 Please read and compare the two spreadsheets. As usual I spent the last few days putting this spreadsheet together, with no actual testing. If you find errors, please let me know.

Spreadsheet “Bullet


Don Pistulka
Don Pistulka

Retired Credit Union CFO - Finance
Background: over 40 years in investments, asset/Liability management, banking, securities trader.
Worked for: California Credit Union, WesCorp, CalFed S&L, Crocker Bank, Carroll McEntee, Federal Home Loan Bank Board (D.C.), Western Asset Management, Security Pacific National Bank.


  1. Don, I wanted to download this particular spreadsheet on financial ratio dashboard, but it was flagged as having a dropper virus embedded. Can you please advise?

    1. Hi Marcus,

      I just downloaded the spreadsheet with both MS. Edge and Google Chrome and did not get any messages. I think it may have something to do with your firms security policy. The spreadsheet uses VBA and some companies don’t allow them to be downloaded. Call your help desk and ask them if you can get permission to bypass their policy.

      I have attached a copy to an email, but if it is your firms policy, they will flag the attachment also.

      Let me know if the attachment worked

      John 3:16

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