Credit Unions

Your return on investment isn't simply measured by the bottom line. Members of credit unions and caisses populaires often determine success by reduced fees—lower loan rates, higher yielding accounts and limited service charges.

Our solutions help you continue a rich tradition of innovation by keeping costs under control and enhancing member services. Whether attracting new members, growing your current portfolio or optimizing collections, we can help you increase deposits and your return on investment with scalable strategies tailored to your members' wants and needs. Our consumer credit data and analytics help you:

Better identify different levels of risk with our powerful solutions, including:

• DecisionCentre®—Transform the way you attract new members, target products and services, and manage risk with our Web-based ASP platform. Streamline and standardize time-consuming processes from end to end using your own rules and policies—and your choice of internal and external data, including data from both credit reporting agencies. Preconfigured applications make it fast, easy and affordable to integrate with your current Application Management System.
• TransUnion Risk Score—This score is tuned for regional differences in four key markets—Toronto, Montreal, Vancouver, and Calgary—and has a 12-month performance period.
• TransUnion Bankruptcy Score—Predict an individual’s likelihood of bankruptcy in the next 18 months. For more predictive power, it is recommended that both scores be used to better identify customers who may be good risks today but would pose heightened bankruptcy risk in case of a sudden adversity.
• Aggregate Data—This solution aggregates credit report characteristics at your choice of two levels: Postal Code and Neighbour (sub-groups of at least 15 credit-active people). You can use it to assess risk profiles more effectively.

We understand membership is the central focus of your institution. Our marketing services round out a comprehensive resource to help you attract new members and identify hidden opportunities. We'll work with you to understand your portfolio, determine the right markets and develop the core messages that strengthen your foundation.