Case Study: MountainCrest Credit Union achieves streamlined analytics and reduced portfolio risk with nCino

MountainCrest Credit Union - Customer Case Study

MountainCrest Credit Union, a $105M cooperative in Arlington, WA with two branches and over 10,000 members, faced rising loan delinquencies and credit losses after its 2008 merger. Manual, spreadsheet-driven processes and mounting regulatory reporting requirements—especially for its large indirect auto portfolio and CECL/ALLL needs—left staff without timely, reliable portfolio insight.

Implementing nCino’s Portfolio Analytics gave MountainCrest a unified, 360° view of members and loans, automated reporting and advanced analytics (credit score migration, static pools, collateral and risk monitoring). The credit union now produces reports in seconds, has cleaner real-time data, reduced portfolio risk, improved regulatory exam outcomes, room to introduce new products and better member service.

MountainCrest Credit Union

Mark Morrison

President and CEO