Member-driven. Member-centric. Member-friendly. No matter what you call it, today’s members, or consumers, are driving the way businesses interact with credit unions and other providers. It’s not exclusive to the financial services industry – consumers are driving the way we do business across the board, demanding that businesses adapt to the way customers most want their needs to be met. But credit unions may be challenged when trying to tailor business to member-specific needs while simultaneously managing risk. The competing and conflicting interests can impact membership and growth in share of wallet.

But a goldmine of data, largely untapped by credit unions, could enhance loan portfolios in the anticipated surge in consumer borrowing. While alternative credit data exists for consumers with less than 700 credit scores – an estimated 113 million consumers – Big 3 bureaus never consider it.

Complete your profile to continue reading and get FREE access to, part of your ALM digital membership.

Your access to unlimited content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Critical information including comprehensive product and service provider listings via the Marketplace Directory, CU Careers, resources from industry leaders, webcasts, and breaking news, analysis and more with our informative Newsletters.
  • Exclusive discounts on ALM and CU Times events.
  • Access to other award-winning ALM websites including and

Already have an account?


© 2023 ALM Global, LLC, All Rights Reserved. Request academic re-use from All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.


Credit Union Times

Join Credit Union Times

Don’t miss crucial strategic and tactical information necessary to run your institution and better serve your members. Join Credit Union Times now!

  • Free unlimited access to Credit Union Times' trusted and independent team of experts for extensive industry news, conference coverage, people features, statistical analysis, and regulation and technology updates.
  • Exclusive discounts on ALM and Credit Union Times events.
  • Access to other award-winning ALM websites including and

Already have an account? Sign In Now
Join Credit Union Times

Copyright © 2023 ALM Global, LLC. All Rights Reserved.