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Lending Growth
Real-Time Indirect Auto Decisioning
Wire your loan-origination system to auto-decision indirect auto apps in seconds so dealers send you the deal before the captive or the bank down the street even opens it.
Expected impact · modeled
+$643Knet income / year
+11 bpsROA 0.64% → 0.75%
$18.91Mnew loans booked
Modeled on a representative $472.67M-asset credit union (peer median) at this strategy’s assumptions. Recomputed on your real 5300 at login. Illustrative planning model, not a forecast or financial advice.
2.8Small
3.5Medium
4.5Large
3.2Board
4.0McKinsey
3.5PE
3.8VC
3.2Dimon
Directional AI-panel judgment scored on a rubric identical across all 191 — for prioritization, not financial advice.
Where you likely stand — your peer group
78%peer median loan-to-sharetop quartile 88% — room to grow loans against your deposit base
0.65%peer median ROAtop quartile 1.01% — the gap this closes
180+CUs in your peer band$400M–$600M assets (NCUA peer groups 5–6)
Benchmarks computed from the NCUA 5300 dataset. At login this recomputes against your credit union’s actual peer group.
Your CU impact · Lending growth
Impact on your balance sheet & income statement
Seeded with a sample CU — at login this auto-fills from your credit union's real 5300 Call Report (via the ncua.cu-2.com 5300 API). Adjust the assumptions to model your own scenario.
Your 5300 financials (sample — Sample Community CU)
Strategy assumptions
| Balance sheet | Today | After strategy |
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| Income statement (Δ / year) | Amount |
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⚡ Activate the products for this strategy in bond → Indirect auto loans, GAP and mechanical breakdown protection, New-member checking bundleIllustrative model for planning, not a forecast or financial advice. Assumptions are yours. Live version reads your filed 5300 figures; ROA = net income ÷ assets, net worth ratio = net worth ÷ assets.
Why it moves share
In indirect auto, speed is share. Dealers route the paper to whoever funds fastest and most predictably, so a lender that returns an approval in seconds captures look-to-book that a 20-minute manual queue never will. Real-time decisioning turns your indirect channel from a slow, staff-bound trickle into a scalable member-acquisition engine — every funded loan is a new member, a new checking cross-sell target, and incremental loan yield on the balance sheet — without buying rate. Note: this is a thin-margin commodity line whose modeled lift lives in lending economics; the deposit and cross-sell upside is real but only lands if Play 5 converts one-and-done borrowers into primary relationships.
The execution roadmap · 3 sequenced phases
Days 0–60Codify the Credit Policy Into Rules
Owner: Lending / Credit Risk
- Pull 24 months of booked and declined indirect apps and back-test tier cutoffs (FICO, PTI, LTV, DTI, term)
- Encode tiered rate and advance grids directly in the LOS decision module, with hard-stop declines, clean auto-approve boxes, and a narrow refer-to-analyst band
- Gate every app on a field-of-membership eligibility check before any auto-approve can fire
- Set auto-approve to cover 60–70% of app volume at launch, then widen as data proves out
Dependencies: Loan origination system with a configurable decision engineDocumented, board-approved indirect credit policy with a FOM eligibility gate
Leading indicator: Auto-decision rate (% of apps resolved without human touch)
Days 61–120Wire the Dealer Pipes and Guardrails
Owner: Lending Operations / Compliance
- Connect to RouteOne and Dealertrack, map inbound fields to the LOS decision schema, and validate on a dealer test set
- Enable structured stipulations and e-contracting so approvals are funding-ready, with end-to-end latency logging to hold sub-30-second response
- Layer identity, synthetic-fraud, and income-verification checks into the auto-approve path, enforcing CIP/BSA on dealer-collected documents
- Auto-generate adverse-action notices with accurate reason codes on every decline
Dependencies: Dealer aggregation connectivity (RouteOne / Dealertrack)Real-time credit bureau integration
Leading indicator: Median decision response time (seconds), held under 30s
Days 121–180Concentrate Volume and Convert Members
Owner: Lending / Marketing
- Score each dealer on look-to-book, funding time, early-payment default, and stip cure rate, and prune or cap chargeback/buyback offenders
- Pay flat, non-discretionary dealer compensation with published caps — no rate-based reserve or markup discretion
- Set per-dealer and portfolio indirect/auto concentration limits and run monthly disparate-impact testing on the rule set
- Trigger a PFI onboarding journey within 48 hours of funding and pre-approve borrowers for checking, card, and GAP with an autopay incentive
Dependencies: Board-approved indirect/auto concentration limits and a funding/liquidity plan
Leading indicator: Look-to-book ratio and early-payment default by dealer
What to measure
Auto-decision rateMedian decision response timeLook-to-book ratioNet new indirect loans fundedIndirect net charge-off rate12-month cross-sell rate on indirect members
Prerequisites · Timeline
Loan origination system with a configurable decision engineReal-time credit bureau integrationDealer aggregation connectivity (RouteOne / Dealertrack)Documented, board-approved indirect credit policy with a field-of-membership eligibility gateBoard-approved indirect/auto concentration limits and a funding/liquidity plan sized to the growth⏱ 120-180 days