Well-trained advisors and staff operate in a performance culture with appropriate resources. Processes are optimised and where appropriate automated to improve efficiency and turnaround times. The Model Credit Union leverages the SEGMENTS rich data it holds on member income, spending and borrowing using CRM, creating a virtuous circle where data drives better business model design and member engagement.
Income is driven by lending but diversified by proprietary and 3rd party products which cover member lifetime financial needs. Costs are aggressively managed using digital and CUDA’s credit union owned shared services. The Model Credit Union operates with a resilient Balance Sheet, offering a wide range of investment options and cheap, long- term funding via intra-sector liquidity and syndicated loans, bonds and securitisation.