Case Studies

A Credit Union Deploys Excess Capital; a Nonbank Lender Finds a New Source of Funds

  • A Credit Union in the Midwest Region faced a concentration in commercial real estate loans and needed to diversify its portfolio.
  • At the same time, a leading nonbank consumer lender sought additional funding channels as its business grew.
  • The two parties connected through U.S. Credit, and the Credit Union began working with the nonbank lender to design a portfolio based on the geographic location of borrowers and specific credit metrics defined by the Credit Union.
  • As a result, the Credit Union and nonbank lender executed a long-term agreement under which the non-bank lender may sell loans to the Credit Union on an ongoing basis.

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