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As credit unions continue to navigate rising technological demands, regulatory complexity, and increasing member expectations, the need for a smarter, more collaborative core processing solution has never been greater. That’s where the Members Core Alliance (MCA) delivers real value. Built by credit unions, for credit unions, MCA is a cooperative core processing platform designed to streamline operations, reduce costs, and empower institutions to focus on what matters most, serving members. A Smarter, Cooperative Approach to Core Processing The result? A modern, scalable core platform that delivers enterprise-level capabilities with a community-driven approach. Key Features That Drive Performance
Benefits That Impact the Bottom Line
Empowering Credit Unions for What’s Next For credit unions looking to modernize their core, reduce operational strain, and unlock new opportunities for innovation, Members Core Alliance offers a compelling path forward, one built on collaboration, efficiency, and shared success. |
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Tru Treasury is the credit union industry’s only CUSO providing end-to-end treasury program solutions. From advisory and technology to sales support, they help credit unions serve business members more competitively while driving deposits and non-interest income. Backed by experienced, CTP-certified professionals from commercial banking, Tru Treasury provides the expertise needed to compete with banks. Proprietary platforms include:
“Tru Treasury meets the credit union where they are. For example, they might have all the products but haven’t effectively been able to bring in business relationships. Our teams will work on both the strategy and sales sides to help bring in those relationships and expand the credit union’s commercial services to make an impact in their community.” |
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Auto lending is evolving, and credit unions need solutions that not only keep up but give them a competitive edge. Credit Union Loan Source (CULS) is doing just that with two powerful offerings designed to strengthen lending from start to finish: DMV Navigator and Indirect Auto Recovery. Eliminate Title Risk with DMV Navigator With data spanning over 11,000 jurisdictions nationwide, the platform simplifies complex calculations and ensures accuracy across state, county, and city requirements. It also provides all necessary documentation, including DMV forms, and a Lien and Title check, to complete transactions efficiently and safely. The result is a smoother origination process, fewer errors, and greater confidence that liens are properly secured, reducing friction for both members and regulators. Recover Lost Revenue in Indirect Lending Using a data-driven platform built through OEM and evaluator collaboration, the solution allows credit unions to revisit past deals, identify inconsistencies, and reconstruct accurate loan values. It also provides valuable dealer insights, helping institutions spot patterns and mitigate future risk. Beyond the benefit of additional recovery dollars, the platform strengthens overall lending strategy by reducing consumer liability, minimizing losses, and supporting more informed decision-making. A Smarter Approach to Lending As lending becomes more complex and risk continues to evolve, having the right tools and partners in place is more important than ever. With CULS, credit unions gain access to proven solutions designed to support smarter, more secure lending every step of the way. |
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As we get closer to June, I want to personally thank you for the role you play in strengthening the credit union movement and remind you that ENGAGE is just one month away. Whether you’re a credit union leader or a valued solution provider, ENGAGE is designed with you in mind. This event continues to be one of the most powerful opportunities of the year to bring both sides of our industry together, connecting credit union decision-makers with trusted partners who help move their organizations forward. With leaders from across Alabama, Florida, Georgia, and Virginia in attendance, ENGAGE offers meaningful, face-to-face interaction you simply can’t replicate elsewhere. It’s where conversations turn into ideas, and ideas turn into partnerships. This year, we’ve been especially intentional about creating more opportunities for connection, both structured and organic, so you can maximize your time, exchange insights, and build relationships that drive real results. Here are just a few of the networking highlights we have planned: LEVERAGE Networking After Dark | Wednesday, June 10, 8:00 – 11:00 p.m. Shark Tank | Thursday, June 11, 1:30 – 2:30 p.m. VISION Hall Featuring the FOCUS Stage | Thursday, June 11, 3:45 – 5:00 p.m. Lastly, I invite you to visit the LEVERAGE Booth #65 in the VISION Hall, along with the booths of our many solution providers. Whether you’re looking to explore new solutions, strengthen existing partnerships, or start new conversations, this is your opportunity to ENGAGE with purpose. I look forward to seeing you in Orlando. Steve Willis |
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Corrin Maier, Vice President, Lending Business, TruStage The financial fragility of the modern borrower Auto loan defaults have nearly doubled since 2020, and credit unions are seeing something that would have been unthinkable a few years ago: members walking into branches to voluntarily turn over their keys because they can no longer carry the payment burden. Peak vehicle pricing, elevated interest rates and tighter household cash flow have combined into a perfect stress test for loan portfolios.¹ This isn’t limited to auto lending. Across consumer credit, financial fragility has become the norm rather than the exception. Nearly three-quarters of consumers report experiencing at least one financial hardship, and more than 90% worry that a single life event such as job loss, illness or disability could derail their ability to repay a loan.² For credit union executives, this creates a clear mandate: Preventing default is no longer just about underwriting discipline. The institutions that will outperform in the next economic cycle are shifting their posture: From lender of record to financial safe harbor. The recall gap: A silent delivery failure Face-to-face interactions remain a critical foundation of the member relationship. But the loan closing process is overwhelming. When members are focused on rate, approval, and speed, even a well-intentioned branch conversation can become background noise. A single touchpoint, however genuine, is rarely enough. Closing the recall gap means expanding where and how the offer is made. Consumers prefer multiple exposures to complex financial information. In fact, 74% say multiple touchpoints help them make more confident decisions. Ninety-six percent of borrowers say they want to review protection options online, on their own time, before loan documents are finalized.2 When that option isn't available, the decision doesn't get deferred. It often disappears. The result is predictable. Members leave unprotected, not because they declined coverage, but because the experience never allowed the value to register. Why digitally embedded protection changes the equation Instead of relying on memory after the fact, protection is introduced directly within the digital lending flow when relevance is highest and attention is focused. This mirrors how consumers evaluate other complex protections today. Buying travel insurance for a $400 plane ticket is intuitive because it appears at the exact moment risk becomes real.³ When protection is embedded, three things happen immediately:
This is not theoretical. Credit unions implementing embedded protection report seamless integration rates above 95%, eliminating manual rekeying and reducing staff burden.² The operational lift is minimal, while the portfolio impact is material. The win-win: Member security and portfolio performance When members are protected, loan performance improves. Delinquencies are mitigated earlier. Charge-offs are reduced, and servicing teams spend less time reacting to financial crises that could have been absorbed. From a financial perspective, the upside is clear. Credit unions offering embedded protection see a 26% increase in net income per member, driven by higher attachment rates, improved loan performance and reduced operational friction.³ This is the definition of a win-win model. Members gain a financial backstop during life’s most disruptive moments. Credit unions strengthen portfolios without sacrificing trust or speed. In an environment where margins are under pressure and risk tolerance is tightening, few strategies deliver this level of aligned value. Making speed the standard—without losing the brakes The answer is to design integration correctly, not remove the protection from the experience. Think about the transparency consumers expect elsewhere. Booking a $30,000 loan should feel as clear as purchasing a $400 plane ticket. Embedded protection applies the brakes just long enough to establish value, without adding friction to the digital application. This balance is critical. When protection is thoughtfully integrated—not bolted on—it enhances trust rather than slowing momentum. Members feel informed, not sold. Staff stay focused on exceptions, not explanations. And the lending experience remains competitive in a crowded digital marketplace. The real risk heading into 2026 If half of your members are “forgetting” protection options, then half of your portfolio is unnecessarily vulnerable to the next job loss, illness, or life disruption. In the economic environment ahead, that is not a small gap. Embedded protection is not another trend in the industry. It’s become a vital integration for organizations to find a scalable way to close the “recall gap” while preserving speed, trust, and member choice. For credit unions committed to long-term portfolio resilience, the path forward is clear: Meet members digitally, protect them proactively, and design lending experiences that absorb risk before it becomes default. That is how institutions move from simply lending money to truly safeguarding financial futures. Learn more about embedding payment protection insurance into your digital loan application. Visit our Integrated Payment Protection page. ¹GOBankingRates. Auto Loan Defaults Are Rising: How To Protect Your Car and Credit. 2025, Oct. 14 TruStage® is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. Corporate headquarters are located in Madison, Wis. © TruStage. All Rights Reserved. LPS-8753048.1-0226-0328. |