Data & Analytics

CUaxis Core Processing

Every credit union needs a core processor. And, we’ve got a core processing solution that you just might like. It’s got all the things your institution needs to operate successfully.

In an effort to offer a core solution that is state-of-the-art and meets the varied needs of our credit unions, our CUSO, MY CU Services, has partnered up with CU*Answers, a credit union cooperative just like us. Together, through CUaxis, we have an incredibly robust data processing system called CBX. CBX operates using the IBM i® server platform with TCP/IP connectivity, supporting a variety of LAN/WAN networking solutions.

  • Comprehensive education, online help and reference tools direct to the employee’s desktop
  • Integrated virtual shared branching options for disaster recovery and expanding member service
  • Flexible, robust configuration options for savings, certificates and loans
  • Laser printing options including a complete line of user-defined laser forms
  • CU control of employee access to a tools database
  • CU*Spy online retrieval of reports (90 days) and statements (12 months) with archives
  • Online inquiries for easy accrual verification, daily G/L balancing
  • Integrated system for online tracking of “off-trial balance” credit cards, loans and savings accounts, plus automated uploads/downloads with third-party vendors
  • CASS certification of member addresses
  • Regulatory compliance tools: AIRES downloads, FIDM and OFAC data match systems
  • Investment and subsidiary (fixed assets, prepaids, accrued expenses) tracking systems
  • Budget creation, analysis and tracking
  • Automated check reconciliation
  • Loan classification tracking for planning reserves
  • Accounts payable tracking
  • Streamlined back office monitoring tools: ACH, payroll, share drafts, ATM/debit cards, etc.
  • Configurable Reg D tracking parameters
  • Dormancy and escheat monitoring
  • Online credit reports retrieval and storage
  • Participation loans tracking
  • Complete centralized underwriting system
  • Risk-based loan pricing and delinquency analysis tools
  • Tools to streamline the loan application process: auto-populated loan applications and debt information from online credit reports
  • Tiered rates based on loan balance
  • Collateral title and property tax tracking
  • Configurable collections parameters and delinquency analysis tools, plus an online collections monitoring system
  • Flexible interest and payment calculation options for business loans, mortgage loans, interest payments with variable rate and indexed controls
  • Lease loan tools
  • Indirect (dealer) lending tracking
  • Pre-membership loan applications
  • LOC disbursement checks
  • Online tracking of written-off loans
  • Help desk inquiry for monitoring CU calls to CU*Answers Client Services
  • Online member survey tracking and analysis
  • Cross-sales tracking system, including online marketing tips and product sales procedures
  • Telemarketing leads follow-up system
  • Tiered service levels with automated rewards for member participation
  • Marketing clubs: demographic clubs with automated status tracking, fee waivers and rate benefits
  • “Push” marketing tools including messages via It’s Me 247 Online Banking and CU*Talk Audio Response, email marketing, selective inserts for member statements and CU-defined statement messages
  • Non-member database for relationship tracking and potential member data mining
  • Household database and statistical analysis by household and member
  • Extensive membership and member participation analysis tools
  • Rate forecasting and pricing analysis tools
  • Flexible configuration for over-the-counter fees, self-service fees and periodic service charges and rebates
  • ALM downloads
  • Membership and new account “reason codes” tracking
  • Full line of inquiry tools
  • Member follow-up teasers
  • SEG/sponsor tracking
  • Electronic deposit holds, including the “Member In Good Standing” system for controlling deposit hold settings
  • Teller cash dispenser/Recycler integration (supported TCDs/TCRs)
  • Automated funds transfer and check transfers
  • Phone software with configurable phone transfer fees
  • “New Member” alert comments
  • Savings bond redemption tracking
  • Safe deposit box tracking
  • Laser-printed member starter checks
  • IRA beneficiary and payout tracking, plus automated payout transfers

DefaultSleuth

Stop Waiting for Delinquency

Most collections platforms manage missed payments.
DefaultSleuth detects financial strain before payments are missed.

Delinquency rates are rising. Staffing remains constrained. Traditional indicators like days past due and credit scores often reveal risk only after financial strain has already taken hold.

DefaultSleuth helps credit unions move from reactive collections to proactive prevention.

A New Era in Collections Intelligence

DefaultSleuth is an AI-powered collections intelligence solution built specifically for credit unions.

It analyzes behavioral signals across loans, deposits and transaction activity to detect financial strain before delinquency begins, giving your team time to act while options still exist.

Instead of reacting late, your organization gains structured visibility, intelligent prioritization and portfolio-level insight, all within one purpose-built platform.

Behavioral-First Risk Detection

Identify early warning signals using real member behavior, not just lagging credit metrics.

Intelligent Work Queues

Prioritize high-risk, high-impact accounts with structured, risk-ranked execution.

Full Lifecycle Case Management

Standardize collection workflows from early delinquency through workout, bankruptcy, legal, charge-off and recovery.

Executive Portfolio Visibility

Quantify exposure, monitor risk migration and guide strategy with real-time dashboards and explainable insights.

  • Proactive Member Engagement- Reach members earlier with empathy and flexibility, strengthening relationships while reducing financial stress.
  • Reduced Charge-Offs - Recognize risk sooner and allocate resources strategically to protect portfolio performance.
  • Operational Efficiency - Replace spreadsheet-based tracking and manual research with structured, audit-ready workflows.
  • Built for Credit Unions - Purpose-built for the credit union model: accessible, intuitive, and aligned with your member-first mission.
  • Secure Data Integration - Loan, deposit, and transaction data are securely imported.
  • Behavioral Risk Modeling - AI models identify early indicators of financial strain.
  • Risk-Driven Prioritization - Accounts are scored and ranked in intelligent work queues.
  • Continuous Optimization - Outcomes are tracked, migration is monitored, and strategy evolves.

Trusted by our early adopters:

Civic FCU Greenville FCU Labor FCU Members CU Mid-Carolina CU MTC FCU Pheple FCU Summit FCU

Ready to See DefaultSleuth in Action?

Explore More About Vizo Financial

If you have questions about our data & analytics solutions, please contact a corporate account manager at accountmanagers@vfccu.org.

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