Case Study: Solarity Credit Union achieves streamlined analytics and stronger credit risk management with Visible Equity

Solarity Credit Union - Customer Case Study

Solarity Credit Union is a not-for-profit financial cooperative of more than 50,000 members that formed in 2011 from a merger. After examiners recommended better analytics for its loan portfolio, Solarity needed a way to monitor growing indirect and RV lending, validate risk-based pricing, and create a credit-quality function to manage delinquency, charge-offs and new product risk.

Solarity implemented Visible Equity for daily reporting, static-pool and stratified analyses (by credit score, LTV, dealer, etc.), and ongoing board/ALCO/regulatory reporting. The tools enabled real-time loan-level insights, validated pricing, and clearer regulator communications; indirect portfolio growth tripled in 18 months, examiners raised no exceptions, RV and member business lending are now closely monitored, and the credit union reports streamlined analytics and greater confidence launching new products.

Solarity Credit Union

Ralph Cumbee

Senior Vice President and CXO