In an unstable economic environment, your members' credit risk rating can change quickly. Members who find themselves unemployed or underemployed will change their buying and payment behaviors. These changes can have an impact on the quality of your loan portfolios and leave your credit union at risk of loss.

As credit unions have a long history of giving a helping hand to members who are challenged by lower credit scores, opportunities can be missed if you are not regularly analyzing member credit risk scores and identifying members whose credit scores have improved over time.

Lending Insights' Credit Score Migration Reports can help the credit unions identify opportunities to mitigate the risk of future loss by re-evaluating open credit lines and exposing opportunities to offer new loan products to members with improving credit scores.

Available Credit Score Migration Reports:

Credit Score Migration Analysis
Analyze the changing risk levels in each loan portfolio over time. Exposes stresses to your portfolio in relation to changes in member credit scores.



Current Credit Risk Concentration by Origination Date
View the current credit score concentration by origination year based on the new member credit score for each loan product.



Credit Score Migration Report
Compare the average current credit score to the average origination credit score by origination date for each loan product.