Case Study: Vantage West Credit Union grows membership and balances risk with Upstart

How Vantage West is Acquiring Members Within Its Key Target Segments Super-Prime to LMI Borrower Growth

Vantage West Credit Union partnered with Upstart to modernize its personal lending experience and support membership growth amid changing economic conditions. Facing member demand for a more seamless digital banking journey and the need to balance risk in a shifting rate environment, the credit union looked for a fintech partner that aligned with its values and could help it scale responsibly.

Using Upstart’s AI-powered lending platform and Referral Network, plus the T-Prime program for super-prime borrowers, Vantage West adjusted program guardrails and expanded lending beyond its branch footprint. The results included more than 25,000 new members in nearly three and a half years, excellent credit performance with 97% of borrowers in repayment, and loan vintages that performed according to plan or better than expected.

Vantage West Credit Union

Jeremy Pinard

Chief Lending Officer