Growth you can put in a board packet.
Three of the fifteen ratios your board already tracks move here: member growth, average member relationship, and loans per member.
What matters at your seat.
You don’t have to wait for a renewal date
If the decision to move has already been made, your contract calendar still doesn't have to set your growth calendar — Cotribute institutions can start before their existing agreement ends, and nothing else in your stack has to change to do it. The details are something we walk through one on one — ask us how.
Cotribute is an origination layer, so no core conversion is required to run it.Current as of September 2026
A market four in five institutions can’t serve
Only 17% of institutions can open a business account online. Turning business deposits and business lending on is one configuration on a platform you are already implementing, not a second vendor selection.
Only 17% of institutions offer digital account opening for businesses and 20% offer online business loan origination, while 78% of business accounts are already active in digital banking.Cornerstone Advisors & Alkami · May 2026
Growth that becomes a relationship
A funded account with direct deposit attached is a relationship. Because activation happens inside the session we originate, the member does not have to be persuaded back later to make the account real.
$10,000 average new deposits per account opened.Capitol Credit Union of Texas
“Our initial results have been phenomenal — on average, $10,000 in new deposits per account opened and 70% reduction in processing time.”
Questions we get
Will this actually move membership growth, or is it just a nicer form?
It depends on what is limiting you. If applications start and do not finish, the funnel is the constraint and this moves it. If nobody is starting applications, the constraint is demand and we will say so on the first call rather than the fourth.
We have three projects in flight. When would this even start?
Kickoff to live is about thirty days for account opening. And if you have already decided to move off your current provider, we can start before that agreement ends — so the start date does not have to compete with your other projects for this year’s budget. Ask us how.
What do I show the board?
One slide: a named institution of comparable asset size and charter, before and after, on a ratio your board already reviews. We help you build it from your baseline rather than ours.
Will this require a core conversion?
No. Cotribute runs as a layer on the core you already have, so no core conversion is required. That is what allows a growth initiative to be sequenced this year rather than queued behind a multi-year replacement programme your technology committee has to sponsor first.
What growth have comparable institutions actually seen?
Credit Union 1 reported 527% growth in new members per month. Capitol Credit Union of Texas reported a 59% increase in new memberships, $10,000 average new deposits per account opened, and digital becoming its number one source of new accounts within ninety days.
How does this affect our efficiency ratio?
Through automation rather than headcount. CPM Federal Credit Union reduced manual review effort by 82% via auto-decisioning while opening 32% more new accounts. Capitol Credit Union of Texas reported a 70% reduction in processing time. Growth that does not add staff is what moves the ratio.
Who else has to approve this internally?
Typically six seats: chief executive, finance, technology, risk and compliance, marketing, and operations. Cotribute publishes a page written to each seat's own question, so the evaluation does not depend on one sponsor relaying the argument to the other five.