Credit Union Financial Education and Wellness Guide
Financial education and wellness are big topics these days. Anyone reading this guide has likely heard statistics about how many people live paycheck to paycheck or how few people have $600 socked away for an emergency. With ongoing talk of recession, high inflation, soaring consumer good costs, high interest rates, stagnant wages, and many high-profile […]
CU 2.0 Personal and Unsecured Lending Guide
This 2.0 Guide is intended to show the state of personal (and similar) lending in the U.S. It should also offer some perspective about why rising fintech lenders (such as SoFi) represents a clear threat to credit unions, as well as how credit unions can leverage partnering fintechs to fight back. Credit unions rely on […]
Reactive vs Proactive Credit Offers with Modelshop
Lending technology has come a long way in the last ten years. We’ve seen tools that automate underwriting, simplify applications, and use alternative data to refine credit scoring. It’s all impressive stuff. But all these tools are doing is reacting. A member applies, the system pulls data, and a decision is made. That’s the model. […]
CU 2.0 Account Opening and Onboarding Guide
Let’s face it—if you’re about to join a credit union, and they bring out a stack of paperwork, it’s game over. You’ll walk out and find someplace that isn’t stuck in 1995. And if you nodded in recognition as you read that, imagine how Millennials, Gen Z, and Gen Alpha feel when their online account […]
Managing Credit Risk through Loan Participations
Loan performance is under pressure. Credit card delinquencies are at their highest levels since the Great Recession. Used vehicle loan charge-offs are breaking records. And while credit unions have managed these risks before, the NCUA’s 2025 Supervisory Priorities make it clear: Examiners are paying close attention to credit risk. That means reviewing underwriting standards, portfolio […]
Loan Participations 101: Balance Sheet Management
Credit unions are in a tough spot right now. Unpredictable rates, changing member habits, and liquidity concerns are making it harder to keep balance sheets in check. Some credit unions have too much money sitting idle. Others have loan demand but need more liquidity to keep lending. Either way, finding the right balance isn’t easy. […]
The Best New Member Onboarding Solutions for Credit Unions
For credit unions, bringing in new members is only part of the challenge. The real test is making sure those new members feel welcomed, supported, and ready to make the most of their membership. Unfortunately, many onboarding processes don’t deliver. In fact, 44% of new checking accounts go inactive within the first year. Considering that […]
Credit Union CRM and CXM Guide
Download other guides here. The goal of Customer Relationship Management (CRM) is to improve and manage interactions with members. CRMs help credit unions manage member information, track interactions, and facilitate communication. This includes capturing member details, tracking leads, recording transactions, and segmenting members based on their preferences or behaviors. CRMs help credit unions organize and […]
Home Lending Provider Guide
This Home Lending 2.0 Guide is intended to show the state of home lending in the U.S. It’ll offer some insight about lending trends and the role that fintechs play in driving those trends. It’ll also explore challenges facing traditional home lenders. Additionally, this guide will dive into borrower expectations and preferences—especially in light of […]
Credit Union Deposits and Liquidity Provider Guide
The downloadable version of this guide is available here. This 2.0 Guide is intended to show the state of liquidity-enabling and deposit generating fintechs and how they help credit unions maintain their ability to meet short-term obligations. For the purposes of this guide, managing liquidity comes in two primary forms. First, there’s generating deposits. Second, […]