Case Study: Northwest Federal Credit Union achieves 15–20% increase in business loan production and improved efficiency with nCino Bank Operating System

Northwest Federal Credit Union - Customer Case Study

Northwest Federal Credit Union, a member-owned institution headquartered in Herndon, VA with roughly $2.6 billion in assets and more than 165,000 members, needed to modernize its business lending process. Before 2012 the credit union relied on paper files and manual handoffs that obscured file ownership and slowed approvals, while also lacking real-time visibility for examiners, auditors, credit committees and investors.

Northwest implemented the nCino Bank Operating System (on the Salesforce platform) in April 2012 to centralize loan origination, CRM, workflow, secure document storage and real-time reporting. The change delivered immediate gains — a 15–20% increase in loan production and efficiency, lower per-loan costs and reduced compliance burden through instant audit trails — and helped drive a 398% increase in member business lending from June 2012 to June 2014, placing Northwest among the top growth credit unions in its peer group.

Northwest Federal Credit Union

Greg Gibson

Chief Financial Officer