Case Study: Eastern Utah Community Credit Union achieves streamlined commercial lending and a 90% drop in examiner questions with Abrigo Credit Analysis

Eastern Utah Community Credit Union Member Business Lending’s Unique Needs

Eastern Utah Community Credit Union, a $100M community credit union in Price, UT with many small-business members, struggled to efficiently originate and manage commercial loans because members often commingled personal and business income and submitted tax returns rather than formal financial statements. Manual ratio analysis made it hard to assess global cash flow and produce credible benchmarking for examiners, creating a time-consuming compliance headache.

To address this, Eastern Utah Community Credit Union implemented Abrigo Credit Analysis. Abrigo’s tax-return interface, multi-borrower/global cash-flow capabilities, nationwide benchmarking and web-based access streamlined annual reviews, made outputs easy to understand, and substantially reduced examiner pushback—examiner rhetoric dropped by about 90%—while greatly alleviating workload and improving portfolio validation.

Eastern Utah Community Credit Union

Mike Milovich

President