Case Study: Neighborhood Credit Union grows income and reduces charge-offs with CSI's Intelligent Limit System

Neighborhood Credit Union cuts charge-offs 30% and grows income nearly 5% with CSI

Neighborhood Credit Union was facing challenges with its traditional overdraft program, which had led to flattened income and rising charge-offs. They partnered with Computer Services Inc (CSI) to implement its Intelligent Limit System® service, seeking a more flexible and equitable solution for its members.

Computer Services Inc's solution provided a data-driven, personalized approach to overdraft protection, adjusting limits based on individual member behavior. This resulted in a nearly 5% year-over-year income growth and a 30% decrease in charge-offs for the credit union. The program also received overwhelmingly positive feedback from members, strengthening trust and generating reliable income.

Neighborhood Credit Union