Grow deposits, loans and members — without new headcount, a core conversion, or an LOS replacement.
Most applications that never finish were already decided. Cotribute closes the gap between a decided applicant and a funded account.
Digital became the top source for new accounts, within 90 days of launch.
Capitol Credit Union of TexasGrowth in new members per month.
Credit Union 1 · Illinois · $2.6B assets · 168K membersOf manual origination steps automated, with 89.5% of applications decisioned instantly.
Nutmeg State FCU · $885M assets · 67K membersMore new accounts in 90 days, with 82% less manual review effort.
CPM Federal Credit UnionTwenty-three of every hundred people who chose you reach a funded account.
The villain is not the megabank down the street or the app in the ad. It is the eleventh field on page three.
More than half of new originations now begin digitally, and Cornerstone Advisors' 2026 survey of 416 executives puts new member growth at the top of the credit union list — above efficiency, above fraud, above cost of funds. Far fewer institutions can say where the growth they already budgeted for actually disappears.
One hundred people decided to bank with you. Twenty-three of them made it to a funded account.
It leaks in four places at once, on both sides of the relationship — which is why fixing one of them never moves the number much.
| New applicants | Existing customers & members | |
|---|---|---|
| Can they finish? | 3.36 applications abandoned for every account opened. | Asked again for data you already hold, re-verified for an identity you already confirmed. |
| Does it become a relationship? | Half never fund in month one. | 1.84 products in year one against 2.12 book-wide. |
SourcesCornerstone Advisors, What's Going On in Banking 2026 (n=416); Cornerstone Advisors & Alkami, 2026 Digital Banking Performance Metrics; Curinos, 2025. Twenty-three of one hundred reflects the ~23% industry digital account-opening conversion benchmark, the same figure expressed by 3.36 abandonments per account opened.
If the leak is this obvious, why is it still leaking?
Three reasons. None of them is that nobody noticed.
It was never one problem
Nearly every vendor in this market serves one cell of that grid. So the fix looks like buying more products — and each one adds a handoff instead of closing a leak. Five vendors, five places for an applicant to fall through. A handoff between two vendors is a handoff an applicant can fall through.
It looked like a core project
Fixing origination reads as a core conversion or a multi-quarter build, and that is where it stops — before anyone prices it. The integration to your core already exists and runs in production, and we feed your loan origination system rather than replacing it. Zero core replacements across our client base.
Fraud and conversion looked like a trade-off
Synthetic identity fraud is up 311% year over year, and friction was accepted as the price of controlling it — so nobody removed it. 70+ rules, device fingerprinting, velocity risk, synthetic-identity scoring, IDV and liveness, with exceptions-only review. Depth that does not cost you conversion.
Two-thirds of credit unions already partner with fintechs, and about half plan to expand in 2026. This is not a leap. It is the layer most institutions have not gotten to yet.
We have watched it happen at institutions like yours. The campaign lands, the applications start, and two thirds of them stop at a cumbersome verification process. Nobody in the building can say exactly where. You did not budget for applications that never finish — you budgeted for growth.
NPS of 90 — measured November 2024, from clients of eight years and longer.
"In my decades of leading credit unions, Cotribute is one of the best technology partners that I have experienced."
One platform, three layers — on the core you already have
Start with the layer that solves today's problem. Add the others when you're ready. Everything runs on the same real-time core integrations, so nothing is a rip-and-replace project.
Digital origination — decided applicants finish
Applications complete in under two minutes. 90+ configurable product templates, pre-fill and skip-logic, so a member taking a second product is never re-asked for what you already hold. 70+ fraud rules and layered identity verification run underneath: 89.5% decisioned instantly, your staff seeing exceptions only.
- Consumer & business account opening
- Consumer & business lending
- Fraud & decisioning
- Back office, analytics and support included
AI Growth Agents — your members stop being treated like strangers
Three agents, in production since June 2025, running on your core's API. Acquisition puts spend on the households you can win. Cross-Sell surfaces the right next product from behavior rather than a batch list. Relationship Growth re-engages single-product members where cross-sell normally stops. Agents recommend; your staff approve.
- Human-in-the-loop — no autonomous actions
- No member data in public models
- In production since June 2025
MCP Connect — your origination data answers questions in plain language
Governed, read-only AI access to origination data from the assistants your team already uses. Your analysts stop waiting on a report request, and your risk team keeps a full audit trail of every question asked.
- Read-only, every query audited
- PII masked by default
- Public pricing — Starter tier included with AI Growth Agents
And the account becomes a relationship before the applicant leaves the flow: deposit switch, debit activation and mobile enrollment happen in-session, not in a campaign three weeks later.
The same screens your team and your applicants will use
Back-office automation
Queues, exceptions and audit trail in one place. 97.6% of manual origination steps automated at Nutmeg State FCU.
Fraud detection & decisioning
70+ configurable rules, device fingerprinting, velocity risk and synthetic-identity scoring. 89.5% decisioned instantly, exceptions only.
Deep analytics
See exactly where applicants abandon and where growth comes from, by product and by channel.
Built for your charter, your core, and your examiners
Credit unions
Grow membership without growing headcount. Field-of-membership eligibility and SEG onboarding built in, member language throughout, real-time on Symitar, KeyStone and Fiserv cores.
For credit unionsCommunity banks
Win the customers megabanks take for granted. Business account opening with automated KYB, FinCEN CDD and Secretary of State checks in-flow, on Fiserv Premier, Fiserv DNA and Jack Henry SilverLake.
For community banksThirteen cores. Real-time on eleven.
"Works with your core" usually means a nightly file. Cotribute writes to the core in real time — the account opens, funds and appears in your system of record inside the same session, on the integration your vendor certified.
KeyStone
Symitar (Episys) · SilverLake · CIF 20/20 · Core Director
DNA · XP2 · Portico · Premier · ClearTouch · Precision
| Core | Vendor | Method | Data flow |
|---|---|---|---|
| KeyStone | Corelation | KeyBridge API | Real-time |
| Symitar (Episys) | Jack Henry | SymXchange | Real-time |
| SilverLake | Jack Henry | jXchange | Real-time |
| DNA | Fiserv | CMC / OpenSolutions | Real-time |
| Premier | Fiserv | AppMarket Studio | Real-time |
| CIF 20/20 | Jack Henry | jXchange | Real-time |
| Core Director | Jack Henry | jXchange | Real-time |
| XP2 | Fiserv | APEX REST | Real-time |
| Portico | Fiserv | EHPRMR | Real-time |
| ClearTouch | Fiserv | AppMarket Studio | Real-time |
| Precision | Fiserv | AppMarket Studio | Real-time |
| CUSA | — | Flat file export | Near-real-time |
| Loan Director | — | Flat file export | Near-real-time |
And the rest of the stack on the same layer, so there is no handoff to fall through — digital banking, identity and verification, KYB and compliance, lending and decisioning, workflow and e-signature, payments and funding. 36+ direct API integrations.
36+ direct API integrations across cores, identity and payments
Certified where it matters and already in production. Your team is not the integration project — the connections your examiners and your vendor-management process will ask about already exist.
Jack Henry
Corelation
Fiserv
FIS
Alkami
OnBase
Alogent
Stripe
Plaid
Atomic
Vital
DocuSign
Socure
Middesk
Vouched
Effectiv
Microbilt
TruStage
Glia
TwilioCoresDigital bankingIdentity & verificationKYB & complianceDecisioningE-signaturePayments & funding
Four steps to production
The integration to your core already exists and runs in production, so this is configuration, not development. Timings run from project kickoff, not from our first conversation.
A discovery conversation
Nothing to prepare and no deck to sit through. We want to understand your priorities for the year — what growth has to look like, where your team feels the friction today, what you have already tried and what you are not willing to disrupt. You do the talking. We tell you plainly whether there is a fit and what a sensible first phase would be.
Your sandbox
Your team clicks through your own flows in a working environment. Not wireframes. All we need to start: core test credentials and one decision-maker for flow review.
Account opening in production
Consumer and business, live on your core, with KYB, FinCEN beneficial ownership and Secretary of State checks in-flow.
Lending, if and when you want it
Add the next layer one at a time, at your pace. Or don't.
Blue Federal Credit Union went live with digital account opening in 30 days, announced January 2024.
"Our collaboration with Cotribute has truly been lifesaving. We experienced a critical setback with another vendor who couldn't deliver on their technology promises, and we turned to Cotribute. Cotribute was able to blend speed and professionalism under the tightest of deadlines. Proving to be an excellent strategic partner, we look forward to scaling new heights together."
What we commit to
- Your core stays. Zero core replacements across our client base.
- Evaluate us before you talk to us. No forms, no gating, and no multi-stage sales process to reach a number — CFO, CIO, compliance and operations can each build their case before anyone picks up the phone.
- You don't have to wait for your contract to end. Because we run on your existing core, we can build and go live alongside your current provider — you start paying when their agreement expires, not before. Keep the incumbent running as your fallback the whole time. Parallel Start, limited to ten institutions.
- Nothing to build. Core connection, 90+ templates, the 70+ fraud rules and decisioning engine, back office, analytics and support are included, not add-ons. Third-party identity and verification inquiries are billed on what you use.
- Your people stay in charge. Human-in-the-loop, no autonomous actions, no member data in public models. SOC 2 Type 2 and the full due-diligence package.
Evaluate us the way your committee actually buys
No gated basics, and no multi-stage sales process to get to a number. Every stakeholder — CFO, CIO, compliance, operations — can get to their answer without waiting on us.
Pricing & ROI
How pricing is built, and how one call gets you a calculator you keep, an ROI analysis on documented client benchmarks, and a business case sized for your board.
See pricingCompare vendors
Honest, side-by-side comparisons against the alternatives you are already shortlisting.
Compare optionsImplementation
The methodology behind going live in ~30 days for account opening — put on the record at Blue Federal Credit Union in January 2024 — and 45–60 days for loan modules depending on core.
See the planTrust & security
SOC 2 Type 2 certification, AI governance, and the due-diligence package your risk team will ask for.
Review trustThis is where it stops leaking.
The same hundred people. On Cotribute, fifty-eight of them reach a funded account.
SourceCotribute client portfolio averages 42% application abandonment against a 77% industry norm — Cotribute, 2026 Digital Growth Benchmarks. Abandonment is used on both sides so the two figures compare like for like.
| Today | After |
|---|---|
| 3.36 applications abandoned for every one opened | Applications that finish in under two minutes |
| A second product opened as if the member were a stranger | Pre-filled, skip-logic, no re-verification |
| Half of digital accounts never funding in month one | Deposit switch and debit activation inside the flow |
| Manual review as the bottleneck | 89.5% decisioned instantly, exceptions only |
| Digital as one channel among several | Digital as the #1 source of new accounts |
"Our initial results have been phenomenal — on average, $10,000 in new deposits per account opened and 70% reduction in processing time."
"We are honored to win the 2025 Tekkie award for Member Growth. It is a testament to our partnership with Cotribute and the platform we've built together."
"Our members expect the same kind of digital experience they get from any modern fintech, and Cotribute helps us deliver that without losing the relationship-driven service Red River is known for."
Start with the leak that costs you most.
Thirty minutes on your priorities — nothing to prepare. A sandbox on your own flows about ten days later. Your core stays exactly where it is.