Helping credit unions cross-sell
[Pages:36]Helping credit unions cross-sell
Introducing:
Jason Dietrich Experian Melton Knight Experian
"People want to do business with you because you help them get what THEY want... They don't want to do business with you to help you get what YOU want."
-- Don Crowther
3 ?Experian 5/1/2017 Experian Public Vision 2017
Cross-selling
It's about getting your members what they want.
4 ?Experian 5/1/2017 Experian Public Vision 2017
But first...
A look at the lending environment
5 ?Experian 5/1/2017 Experian Public Vision 2017
Loans are growing, across most products
YOY growth ? 4Q2015 to 4Q2016
Auto loan and lease
9%
Bank card
10%
Mortgage
4%
HELOC
-3%
HE loan
-5%
Personal loan
7%
Source: Experian IntelliViewSM. Combined U.S. existing account balances.
6 ?Experian 5/1/2017 Experian Public Vision 2017
The loss environment is stable
? Mortgage, HELOC and HE loan
delinquency rates flat to down year-over-year
? Bankcard, auto and personal
loans show slight upward YOY trend, reflecting market expansion ? yet still at low levels
Source: Experian IntelliViewSM. Existing account D60+ $-rates, combined U.S., all banks, captive autos, Credit Unions, Finance, Retail.
7 ?Experian 5/1/2017 Experian Public Vision 2017
Credit unions have maintained a stable share of loans...
However... Year-over-year bankcard share for credit unions has declined from 6.8% to 6.7%
Source: Experian IntelliViewSM. Combined U.S., Credit Union balances divided by combined balances across all banks, captive autos, Credit Unions, Finance, Retail.
8 ?Experian 5/1/2017 Experian Public Vision 2017
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