Insights
Our thinking on credit union growth.
Onboarding
Four ways into a credit union, four different first years
Branch, digital, indirect, and existing members opening checking arrive with different questions. A guide to entry-channel onboarding and why one journey cannot serve them all.
Digital Advertising
How much should a credit union spend on marketing?
The average credit union spends 0.10 to 0.12 percent of assets on marketing. Staying competitive takes 0.15 percent. A working guide to the benchmarks, the per-member method, and what your market does to the number.
Onboarding
The real cost of losing a first-year member
Member acquisition costs average $489. The industry loses roughly one in four new members in the first year. Multiply those two numbers by your growth rate and the quietest leak in the budget becomes visible.
Digital Advertising
The second search: where accounts are actually won
Before someone applies, opens, or compares rates seriously, they do something almost perfectly predictable: they search one more time. What shows up on that page decides who gets the account.
Enterprise Email
What is signal-driven email? The eight elements of a complete program
Signal-driven email is a program where member behavior starts communications, instead of a calendar deciding what everyone hears. The eight elements that make one, and the levels most programs get stuck at.
Enterprise Email
Why credit union email programs go quiet
It is rarely the ideas. It is the capacity to hold consistency month after month. What burst-and-silence programs cost, and what it takes to keep the signal moving.
Digital Advertising
Behavioral targeting vs. demographic targeting: what actually converts
Demographics describe who someone is. Behavior reveals what they are about to do. A working guide to the difference, and to building credit union advertising on intent.
Onboarding
First-year attrition is a choice
The industry loses roughly one in four new members in the first year. Our client programs hold attrition to 4.6%. What separates the two is design, not luck.
Onboarding
Why indirect members never come back
Industry-typical indirect conversion runs 1–2%. Our clients convert 9.5%. The difference is not better promotions. It is a first year built for how the member actually arrived.
Let's build the system together.
Tell us about your credit union and what you're trying to grow. We'll show you how the system would run for you.