Case Study: Kitsap Credit Union achieves analytics-driven risk management and regulatory-ready reporting with nCino Portfolio Analytics

Kitsap Credit Union - Customer Case Study

Kitsap Credit Union, a $1.3B community credit union based in Bremerton, WA with 17 branches and 300+ employees, needed a configurable way to aggregate data and produce regulator-ready risk reports—such as probability-of-default metrics—that had previously been cost- and time-prohibitive. Leadership wanted a single source of truth that balanced to the core systems and could support better, faster decision-making across the organization.

Adopting nCino Portfolio Analytics gave Kitsap a unified analytics platform used across collections, marketing, indirect lending and credit/concentration risk management. The solution sped access to historical application and credit-score data, enabled targeted marketing using PD and delinquency metrics, simplified examiner reporting, and delivered time and cost savings—resulting in safer loan growth, improved campaign performance and a transformed, data-driven operating model.

Kitsap Credit Union

Tony Bulerri

VP of Business Lending