Case Study: Navy Federal Credit Union achieves 75% faster member onboarding and digital transformation with nCino

Navy Federal Credit Union - Customer Case Study

Navy Federal Credit Union, headquartered in Vienna, VA, is the world’s largest credit union with over $97 billion in assets and more than 8.1 million members, including a 137,000-member business segment. To grow its business membership and commercial loan portfolio, the Credit Union confronted fragmented legacy systems that slowed onboarding and credit decisioning, limited transparency and reporting, and prevented modern digital and e‑signature capabilities.

Partnering with West Monroe and deploying the nCino Bank Operating System, Navy Federal replaced disparate platforms with a single, cloud-based solution that automated onboarding, online credit applications, pricing/risk decisioning and loan boarding. In under five months the Credit Union processed 13,500+ applications, onboarded 10,000 new members, booked more than 2,000 business loans, cut onboarding time by 75% and gained real-time reporting, stronger compliance controls and a scalable digital experience for members and staff.

Navy Federal Credit Union

Dave Ledwell

SVP, Consumer and Business Lending