Lending

New Mexico credit union is working to clear its books of problem loans.

Delinquency rates rose last year for commercial loans, which account for nearly 24% of its total portfolio.

Businesses with variable rates had trouble keeping up with payments when rates rose.

The D.C.-area credit union cuts its delinquency rate by more than half with $74 million in commercial write-offs.

The pre-merger First Tech's commercial delinquency rate ends the year at 6%, but Digital's Jan. 1 acquisition lowers the new credit union's rate to 3%.

The platform helps credit unions and community banks turn loans into investable assets while managing risk.