FICO® Member Score
A credit risk assessment score that predicts member-level likelihood of default using existing Credit Union banking relationship data, ranging from 233–751
FICO® Member Score is a consortium model built on an AI accelerator solution that evaluates each member's credit worthiness using existing banking relationship data, including revolving credit, loans, and checking/deposit accounts. It predicts whether any of a member's accounts will go "bad" in the next 6 months. It enables credit unions to deepen member relationships, personalize marketing, drive retention, improve customer experience, and compete with fintechs and large banks, without large upfront investment.Free trial
Features
Benefits
Features
Evaluates Holistic Member Credit Risk Assessment
FICO® Member Score evaluates each member's complete financial relationship, including revolving credit, loans, and checking/deposit accounts, to generate a single credit risk score between 233–751. This whole-member view predicts the likelihood of default across any account within the next 6 months, enabling credit unions to make smarter, more confident lending and marketing decisions without relying solely on traditional credit bureau data.Authorizes Pre-Approved Offer Targeting with Minimal Expense
Using the Member Score, credit unions can rank-order their existing member base by creditworthiness, set a custom score cut-off, and instantly deploy targeted pre-approval offers via email, at minimal cost. This eliminates the need for expensive broad-based marketing campaigns and allows credit unions to reach the right members with the right offers at the right time, driving loan growth while managing risk exposure.Benefits
Empowers Member-Centric Collections Prioritization
Leverages Fast Time-to-Value with No Large Upfront Investment