Case Study: Members 1st Federal Credit Union achieves $1.2M bottom-line gain and regulatory waivers with Experian

Members 1st Federal Credit Union - Customer Case Study

Members 1 Federal Credit Union, led by Mark Ritter, Assistant Vice President for Business Lending, faced two key challenges: growing regulatory burdens that drive up costs and demand more staff time, and a new underwriting reality where historical financials no longer reliably reflect a borrower’s current strength.

By partnering with Experian (and Baker Hill) for a consultative, tailored solution, the credit union met regulator expectations, earned waivers to expand its program, and captured meaningful financial impact—approved programs added over $1.2 million to the credit union’s bottom line.

Members 1st Federal Credit Union

Mark Ritter

Assistant Vice President for Business Lending