Start before your contract ends
Cotribute institutions can begin before their existing agreement ends — so results can start landing in this budget year. The details are something we walk through one on one. Ask us how.
Three things that change your math.
Deposits with a mix you’d choose
An account funded in-session with direct deposit attached behaves like core funding — designed in, not chased afterwards with an incentive.
$10,000 average new deposits per account opened.Capitol Credit Union of Texas
A business case built on your own rates, not on a vendor multiplier
The case turns on one number: the share of applications that reach a funded account — 23% industry-wide, 58% at the Cotribute portfolio median. That gap, applied to the volume you already have, is the whole consumer deposit case. The same platform and implementation cover consumer lending, business deposits, business lending, and the AI growth agents.
23% of applications reach a funded account industry-wide, against a 58% median across the Cotribute portfolio and 85% at our best.Cornerstone Advisors & Alkami, 89 retail institutions, May 2026; Cotribute portfolio median, self-measured
Growth without headcount
Applications that decision instantly and complete without staff touch don’t add to your operating expense ratio as volume grows.
Nutmeg State Financial Credit Union automated 97.6% of manual processing steps, with 89.5% of applications decisioned instantly.Client-reported
What the model borrows, and what it doesn’t.
The five lines are not equally well evidenced. Here is exactly where each one’s number comes from.
| Quadrant | What the model takes from us | How strong that is |
|---|---|---|
| Consumer deposits | Portfolio median funded rate of 58% | Measured across our whole client base, against a published industry figure of 23% |
| Consumer lending | Application volume up 28% at twelve months | One named client, one outcome — and applied to your completion rate, not theirs |
| Business deposits | Nothing | No published Cotribute business outcome exists yet. Every figure is one you supply |
| Business lending | Nothing | The same. Every figure is one you supply |
| AI growth agents | Two planning defaults, not outcomes | No agent-attributed client result is published yet. The defaults are ours to suggest and yours to overwrite |
The business lines carry no Cotribute coefficient at all — volume you are not capturing today, at rates you set. The agent line is a planning model with defaults you should overwrite.
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
The worked example, stated in full.
One institution, four origination quadrants plus the agent case, on one platform — every input shown in the Working column.
| Line | Working | Result |
|---|---|---|
| Consumer deposits — additional funded accounts | 6,000 a year × (58% − 35%) | 1,380 |
| Consumer deposits — funding gathered | 1,380 × $5,000 | $6,900,000 |
| Consumer deposits — net interest income | $6,900,000 × 2.5% margin | $172,500 |
| Consumer lending — additional funded loans | 2,400 a year × 1.28, at your own 55% completion | 370 |
| Consumer lending — originated | 370 × $18,000 | $6,652,800 |
| Consumer lending — net interest income | $6,652,800 × 3.5% spread | $232,848 |
| Business deposits — accounts opened | 300 a year × your own 60% completion | 180 |
| Business deposits — funding gathered | 180 × $25,000 | $4,500,000 |
| Business deposits — net interest income | $4,500,000 × 2.5% margin | $112,500 |
| Business lending — loans funded | 120 a year × your own 50% completion | 60 |
| Business lending — originated | 60 × $85,000 | $5,100,000 |
| Business lending — net interest income | $5,100,000 × 4.0% spread | $204,000 |
| AI agents — additional products taken | 25,000 members × 10% | 2,500 |
| AI agents — annual contribution from those products | 2,500 × $150 | $375,000 |
| AI agents — outreach hours released | 25,000 × (10 min − 1 min to approve) ÷ 60 | 3,750 hours |
| AI agents — operating cost released | 3,750 × $35 | $131,250 |
| Operating cost released, origination | 4,530 hours × $35, at the 71% instant-decision median | $158,543 |
| Annual income-statement effect | $1,096,848 interest and contribution + $289,793 operating | $1,386,641 |
| Funding gathered — a liability | consumer $6.9M + business $4.5M | $11,400,000 |
| Earning assets originated — an asset | consumer $6.65M + business $5.1M | $11,752,800 |
Three figures, kept apart deliberately. $1,386,641 reaches the income statement in a year; $11,400,000 of funding and $11,752,800 of earning assets are balance-sheet movements — never summed.
Run it with your own numbers.
Every figure is yours to change — switch off any quadrant you do not run and the case gets honestly smaller.
The three fixed coefficients, and their sources
| Coefficient | Value | Source |
|---|---|---|
| Portfolio funded rate | 58% | Cotribute portfolio median, self-measured |
| Portfolio instant-decision rate | 71% | Cotribute portfolio median, self-measured |
| Loan volume lift | 28% | Red River Credit Union, monthly loan applications at twelve months. One client, client-reported. |
The business quadrants use none of these except the instant-decision rate for the operating line. Their revenue lines are computed entirely from your own inputs, because there is no published Cotribute business origination outcome and the model borrows nothing.
Your case
The income-statement effect is what reaches your P&L in a year. Funding gathered and earning assets originated are balance-sheet movements on opposite sides of the sheet. We do not add them together.
| Line | Result |
|---|---|
| Consumer deposits — additional funded accounts | 1,380 |
| Consumer deposits — funding gathered | $6,900,000 |
| Consumer deposits — net interest income | $172,500 |
| Consumer lending — additional funded loans | 370 |
| Consumer lending — originated | $6,652,800 |
| Consumer lending — net interest income | $232,848 |
| Business deposits — accounts opened | 180 |
| Business deposits — funding gathered | $4,500,000 |
| Business deposits — net interest income | $112,500 |
| Business lending — loans funded | 60 |
| Business lending — originated | $5,100,000 |
| Business lending — net interest income | $204,000 |
| AI agents — additional products taken | 2,500 |
| AI agents — annual contribution from those products | $375,000 |
| AI agents — outreach hours released | 3,750 |
| AI agents — operating cost released | $131,250 |
| Operating cost released, origination | $158,543 |
| Operating cost released, total | $289,793 |
Line-by-line breakdown above updates as you change any figure.
Sources and assumptions
Industry funded rate from Cornerstone Advisors and Alkami, 2026 Digital Banking Performance Metrics, 89 retail institutions, May 2026. Cotribute portfolio median funded rate (58%) and median instant-decisioning rate (71%) are self-measured across the client portfolio and are not third-party audited. The 28% twelve-month increase in monthly loan applications is client-reported by Red River Credit Union and is one institution’s outcome, not a portfolio median. No Cotribute figure is used in the business deposit or business lending lines. All application volumes, completion rates, average balances, margins, spreads, staff minutes and hourly costs are inputs you supply. The AI agent line is a planning model, not a projection from measured results: no agent-attributed client outcome is published, and the 10% additional-product rate and 10-minute manual personalisation time are Cotribute planning defaults for you to replace. The agent line counts annual contribution per additional product only — never balances — because any balance an additional product carries is already counted in whichever origination quadrant opened it. Interest income, contribution, funding gathered and earning assets originated are reported separately and are never summed. Actual results vary with your market, product set, credit policy and configuration.
What a quote is built from.
Three drivers, stated so a quote can be checked rather than taken on trust: the modules you turn on, your asset size, and the products and flows configured at implementation. Implementation is quoted once. The quarterly review that follows is included.
All four quadrants run on the same platform and the same implementation, so adding business is a configuration on the instance you are already standing up rather than a second vendor selection with its own contract, integration and renewal date.
Questions we get
Can we start before our current agreement ends?
Yes — Cotribute institutions can begin before their existing agreement ends. The details are something we walk through one on one. Talk with us.
Should I count new deposits or new loans as return on investment?
No, and we would not present it that way. Funding gathered and earning assets originated are balance-sheet movements on opposite sides of the sheet. What reaches the income statement is the interest income they earn at your own margin and spread, plus the operating cost released by automation. Summing all three produces a headline roughly twenty-seven times the real annual effect.
How do I build the case without relying on your assumptions?
Use two measured figures and your own operating numbers. The industry funds 23% of applications; the Cotribute portfolio median is 58%. Apply that difference to your actual volume, multiply by your average balance, and take interest income at your own margin. The two business quadrants need no figure from us at all.
Where do the AI agent numbers come from?
From you. No client has published an agent-attributed outcome yet, so rather than invent a cross-sell improvement rate the model asks two questions and supplies defaults we think are reasonable: 10% of members taking an additional product, and 10 minutes of staff time to personalise one member’s next-step offer by hand. Overwrite both.
Does the agent line double-count the deposits and loans above it?
No, and this is worth checking in any vendor’s model. The agent line counts only the annual contribution from an additional product held. Any balance that product carries — a deposit, a loan — is already counted in the origination quadrant that opened it, so it is never added twice.
If staff still approve every agent recommendation, where is the saving?
In the drafting, not the deciding. The agent assembles the recommendation and the personalised outreach; your team reviews and approves it. The model reflects that by subtracting an approval minute from the ten it takes to do the work by hand, rather than claiming the whole ten. Human-in-the-loop is a control, and it has a real cost we leave in.
What kind of deposits does this actually bring in?
That depends on your products, your rates and the competitive environment you are pricing into — not on the origination platform. What origination changes is how many applications finish and how many arrive funded with a direct deposit attached. The balance those accounts carry is set by what you are offering and by who else is offering it in your market.
What is the deposit mix like?
It depends on your product mix and on the prospects and members who actually apply. Because funding and the direct-deposit switch complete inside the origination session, accounts tend to arrive funded and with income attached rather than as empty shells needing a later campaign — but the size and composition of those balances follow your products and your market, not the platform.
How do we know what a new account costs us to acquire?
Step-level analytics give you the completion and abandonment figures by product and channel that the calculation needs. Nearly half of credit union executives cannot state their own member acquisition cost, and the quarterly review is where yours gets built from your own data.
What is the payback period?
It depends on your quote, but the shape is unusual: the platform can be live and producing funded accounts remarkably early, so the payback calculation starts from results already measurable in your core.