Finally able to prove the lift.
You know what a campaign costs. This is where you find out what happens to the people it sends, one step at a time, all the way to a funded account.
What changes for marketing and growth.
Step-level analytics, not a monthly total
Where applicants stop, on which field, on which product, in which channel. The abandonment you are paying for becomes a list of specific fixes rather than a number in a board slide.
Nearly half of credit union executives cannot state their own member acquisition cost. This is where you get yours.The Financial Brand · 2026
The second product, offered in the session
The next product is presented at the highest point of engagement, gated on live core data rather than a segment built last month — so the cross-sell is a tap instead of a campaign.
Digital became the number one source of new accounts within 90 days.Capitol Credit Union of Texas
Growth that stays inside your charter
Field-of-membership eligibility is screened in the application, and select employer groups and community partners get co-branded onboarding portals of their own.
527% growth in new members per month.Credit Union 1
A market nobody in your peer group is serving
Only 17% of institutions can open a business account online, while 78% of business accounts are already active in digital banking. Business is the least contested acquisition channel available to you.
Only 17% of institutions offer digital account opening for businesses and 20% offer online business loan origination.Cornerstone Advisors & Alkami · May 2026
Questions we get
I don’t own the account-opening system. Is this my conversation?
It is the one you are measured on. The application is where acquisition spend either becomes a member or does not, and this is the first place the funnel between those two points is visible to you.
What can I show my CFO?
Completion rate against your own baseline, cost per funded account rather than per application, and average opening balance by product. A growth specialist and an optimization team build that analysis from your own data every quarter, with the specific changes worth making next — so the number you take to finance is not one you had to assemble yourself.
Can we see where applicants drop out?
Yes, at step level rather than as a monthly total. Completion and abandonment are reported by product and by channel, which is what makes a specific fix possible. Across the Cotribute portfolio 58% of applications reach a funded account, against a 23% industry figure.
How do we prove the lift came from us?
By comparing step-level completion against your own pre-launch baseline rather than against a vendor's benchmark. The quarterly review builds that comparison from your data. Capitol Credit Union of Texas saw digital become its number one source of new accounts within ninety days.
Does this work for select employer groups and field of membership?
Yes. Field-of-membership eligibility and select-employer-group onboarding run inside the application flow rather than as a separate process, so growth campaigns stay inside your charter without a manual eligibility check bolted on at the end.
Can we cross-sell to existing members, not just acquire new ones?
Yes. Three AI growth agents have been in production since June 2025 — acquisition, cross-sell and relationship growth — embedded in your digital banking so existing members are not treated as strangers. They recommend and prepare; your staff and rules decide.