Case Study: Greater Texas Credit Union achieves $500K in potential interest recovery and reclaims lost auto-loans with Zest AI Portfolio Management

Uncovering portfolio blind spots for proactive lending wins

Greater Texas Credit Union faced a steady drop in booked auto loans as an increasing share of approved applicants were funding elsewhere, particularly among prime borrowers in tiers B&C who were receiving better APRs and longer terms. To diagnose this blind spot, Greater Texas engaged Zest AI and used Zest AI Portfolio Management analytics to get a holistic, up‑to‑date view of its origination and portfolio performance.

Using Zest AI Portfolio Management reporting, Zest AI isolated prime applicant behavior and modeled the impact of small APR adjustments and extended loan terms; the analysis showed Greater Texas could have captured $500K in additional interest income by booking just 30% of the loans it was losing. Zest AI’s ongoing portfolio insights also validated origination risk (similar delinquency rates for approved loans and higher rates for denied applicants), reinforcing the credit union’s underwriting confidence.

Greater Texas Credit Union

Benjamin A. Teske

EVP, Chief Lending Officer