Critical to relationship management is a complete picture of the credit union member relationship. Some products, such as credit cards, special mortgages, and investment services,, are often outside the normal trial balance products tracked by CU*BASE, handled through manual balance sheet entries and tracked through a third party source. The Off Trial Balance (OTB) database is designed to take key information about these types of credit union relationships, deliver it to CU*BASE, and make available to your members and credit union staff.