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As the year winds down, many credit unions face a predictable but often underestimated challenge: December is one of the most complex months for managing early-stage delinquency. Budgets tighten. Holiday spending rises. Pay cycles shift. And for collections teams already stretched thin, the final weeks of the year bring a unique blend of urgency and unpredictability. But the year-end crunch isn’t just a challenge—it’s one of the most important moments to rethink how we suppor

For many members, the holiday season brings a mix of joy, pressure, and financial strain. Budgets stretch, unexpected expenses arise, and even the most responsible borrowers can fall behind. For collections managers at credit unions, this period requires something more nuanced than routine reminders—it calls for thoughtful, timely, and empathetic outreach . Not louder outreach. Not more frequent outreach. Just the right kind of nudge. A Sensitive Season Requires a Different T

For many credit unions, the collections process still feels like a series of disconnected steps—calls, reminders, follow-ups, escalations. Each stage demands time, coordination, and persistence from staff who are already stretched thin. But from the member’s point of view, this fragmented approach can feel confusing, repetitive, and at times, impersonal. It’s time to reimagine collections not as a sequence of follow-ups, but as a continuous, guided journey—one that reduces fr