All Posts

Delinquency doesn’t surge without warning. It builds gradually—often quietly—before it becomes visible in reports and dashboards. By the time the numbers rise, most collections teams are already in reaction mode. The strongest operational decisions, however, are made well before that moment arrives. As credit unions move into the first quarter, they face a rare opportunity: time. Time to evaluate workflows, remove friction, and prepare teams before volume and pressure increas

From the inside, collections outreach often feels logical. Accounts are segmented. Work queues are assigned. One team handles early-stage activity, another steps in later. Messages go out when they’re supposed to. Calls are logged. Texts are sent. Emails follow. From the member’s perspective, though, it can feel very different. One day it’s a friendly reminder. A few days later, it’s a voicemail from someone new. Then a generic email arrives that doesn’t quite match the tone

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