Case Study: OneAZ Credit Union achieves 26% increase in loan funding and 25% reduction in manual reviews with Experian PowerCurve decisioning

Increasing efficiency and funding rates with automated decisioning

OneAZ Credit Union, founded in 1951 and serving over 140,000 Arizonans from 21 branches and full-service digital channels, needed to modernize a legacy loan decisioning system that was driving high rates of manual review, slowing funding and hurting the member experience. Their priorities were clear: reduce manual reviews, speed origination, improve underwriting efficiency, and raise the credit quality of funded loans.

Partnering with Experian, OneAZ used a phased approach — scorecard validation, swap-set analysis, automated underwriting strategy design, and implementation of PowerCurve for Instant Credit via Decisioning as a Service plus Strategy Design Studio — to automate and optimize decisions. The result: an immediate 26% increase in booking rate and a 25% reduction in manual reviews, faster decisions, improved member satisfaction, better portfolio quality and the flexibility to adapt strategies while maintaining compliance.

OneAZ Credit Union

John Schooner

VP Credit Risk Management