Results your peers are getting. Numbers you can verify.
Credit unions and community banks across the country run account opening, lending, and decisioning on Cotribute. Here is what happened at five of them — with the metrics, the timelines, and the people behind them.
Our clients are our biggest advocates.
With a Net Promoter Score of 90%, our partners consistently recommend Cotribute to their peers.
How we measured it: NPS surveyed in November 2024 across our client base — including institutions that have been Cotribute clients for 8+ years. We publish the date and cohort because a score without methodology isn't worth much.
Five institutions. Five sets of hard numbers.
Every outcome below is attributed, dated where measured, and backed by the institution that achieved it.
Capitol Credit Union of Texas
Needed to attract younger members and grow deposits beyond an aging base. With Cotribute on Jack Henry Symitar:
- $10K in new deposits per account opened
- 70% reduction in processing time
- 59% increase in new memberships
Credit Union 1
Set out to beat a 2.0% industry-average organic growth rate with an optimized digital account opening experience:
- 5X increase in new memberships vs. prior 6 months
- 4.6% organic growth — 2X+ the industry average
CPM Federal Credit Union
Struggled with fraud, manual review, and abandonment on their previous account opening platform. In 90 days with Cotribute:
- +32% new accounts opened
- –82% manual review effort via auto-decisioning
Nutmeg State Financial Credit Union
Faced rising fraud, low conversion, and operational strain from manual reviews. With Cotribute's Decision Intelligence:
- 97.6% of manual processing steps automated
- 89.5% of applications decisioned instantly
Red River Credit Union
Unified branch and online lending on Corelation KeyStone with Cotribute as the digital origination layer:
- +28% monthly loan applications, 12 months after go-live
- 83% completion rate on the highest-volume loan product
- 11 consumer loan products migrated to one workflow
Use cases your peers are putting into action
See how credit unions and banks like yours are solving real challenges—from boosting deposits to streamlining operations.
Accelerating Member & Customer Acquisition
Rapidly grow your customer base and membership with lower acquisition costs and higher conversion rates.
Cotribute combines AI-powered persona targeting with frictionless, fully digital onboarding experiences. Pre-filled applications, automated KYC/OFAC checks, and instant funding enable a seamless journey from interest to activation—online or in-branch.
Products used: AI Acquisition Agent (AIA) · Consumer Account Opening (CAO) · Business Account Opening (BAO) · Decision Intelligence Plus+ · Fraud Guard Plus+ · Business Guard Plus+
Boosting Deposit & Loan Growth via Intelligent Onboarding
Increase average product holdings per member by intelligently cross-selling during and after onboarding.
Hyper-personalized product recommendations—like deposit switches, credit cards, and debt consolidation loans—are embedded at the end of the onboarding flow and followed up by email. This drives measurable lift in cross-sell conversion rates.
Products used: AI Cross-Selling Agent (AIC) · Consumer Loan Application (CLA) · Business Loan Application (BLA) · Decision Intelligence Plus+ · Fraud Guard Plus+
Deepening Member Relationships Post-Onboarding
Grow share of wallet by re-engaging indirect or single-product members with personalized outreach.
The AI Relationship Growth Agent analyzes credit, income, and behavioral data to deliver hyper-targeted offers and messages—unlocking growth from dormant or lightly engaged segments.
Products used: AI Relationship Growth Agent (AIR)
Streamlining Operational Workflows & Back-Office Efficiency
Reduce manual workloads and operational costs while improving processing speed and consistency.
Automates fraud detection, identity verification, document collection, and decisioning—resulting in a 97.6% reduction in manual onboarding steps and up to 89.5% of applications decisioned instantly.
Products used: Consumer Account Opening (CAO) · Business Account Opening (BAO) · Consumer Loan Application (CLA) · Business Loan Application (BLA) · Decision Intelligence Plus+ · Fraud Guard Plus+ · Business Guard Plus+
Configurable Onboarding for Every Product & Use Case
Launch new products or adapt to market changes without development cycles.
90+ no-code configurable onboarding templates let you tailor workflows, disclosures, and eligibility rules by product type, channel, or geography—all without IT involvement.
Products used: Consumer Account Opening (CAO) · Business Account Opening (BAO) · Consumer Loan Application (CLA) · Business Loan Application (BLA) · Decision Intelligence Plus+ · Fraud Guard Plus+ · Business Guard Plus+
Strengthening Risk Management & Compliance Processes
Enhance fraud prevention, regulatory compliance, and portfolio quality with minimal friction.
Real-time fraud detection, OFAC checks, and configurable risk scoring ensure compliant onboarding—while auto-decisioning improves accuracy and speed across channels.
Products used: Consumer Account Opening (CAO) · Business Account Opening (BAO) · Consumer Loan Application (CLA) · Business Loan Application (BLA) · Decision Intelligence Plus+ · Fraud Guard Plus+ · Business Guard Plus+
Extending Digital Capabilities with Embedded Experiences
Meet members where they are—online, mobile, or in-branch—with a consistent experience.
Cotribute's embeddable widgets and APIs integrate natively into mobile apps, online banking portals, and branch kiosks—providing a unified digital onboarding experience.
Products used: Consumer Account Opening (CAO) · Business Account Opening (BAO) · Consumer Loan Application (CLA) · Business Loan Application (BLA) · Decision Intelligence Plus+ · Fraud Guard Plus+ · Business Guard Plus+
Driving Community & Special Employer Group (SEG) Engagement
Strengthen community partnerships and grow Special Employer Group (SEG) membership with co-branded experiences.
Co-branded onboarding portals and targeted campaigns for Special Employer Groups (SEGs) and community partners enable fast, localized member acquisition—supported by AI-powered outreach.
Products used: AI Acquisition Agent (AIA) · Consumer Account Opening (CAO) · Special Employer Group (SEG) & Community Engagement (SCE) · Decision Intelligence Plus+ · Fraud Guard Plus+
What executives say after go-live
"Our initial results have been phenomenal — on average, $10,000 in new deposits per account opened and 70% reduction in processing time."
"They helped us launch an entire Online Account Opening (OAO) platform in 30 days."
"In my decades of leading credit unions, Cotribute is one of the best technology partners that I have experienced… best-in-class digital onboarding templates provide a 'Chime-like' experience."
"With Cotribute, we have the flexibility to select the capabilities we currently need, as well as the ability to adjust and configure the system to adapt to market changes."
"Cotribute's CAO product has revolutionized our account opening processes."
"Corelation's open architecture enables partners like Cotribute to bring next-level capabilities directly to our clients."
See what these results would look like at your institution.
Walk the same flows your peers launched — or bring us your numbers and we'll model the impact.