Kohl is the equivalent of home inspectors, but for financial institutions. We find things that are not working so you can fix them. We evaluate products, channels, branches, etc. by measuring the performance of up to 100 of the most common operational activities that drive the performance of those products, channels, branches, etc. Is Kohl’s process effective? Yes, in 2019 our clients enjoyed a ROA of almost 80% better than their peers plus our clients have nearly swept the CUNA Finance Conference’s annual “Give Back” awards over the past several years.