CUSTOMIZED

INDIRECT LENDING SOLUTIONS TO GET CREDIT UNIONS READY FOR THE FUTURE.

Technology Driven

In today’s indirect lending, credit unions must take advantage of industry-leading technology to remain competitive; this includes Dealertrack and RouteOne application platforms, eContracting, Digital Document Solutions, and real-time data analytics. CUAC allows credit unions to take advantage of the current technology while ensuring that your credit union is positioned for whatever is next. When operating an indirect program, analytics and reporting are key, instead of relying on clunky LOS reports, take advantage of CUAC’s PowerBI real-time dashboard solution. The CUAC solution provides instant access to rates, paper quality, pipeline trends, and querying tools to create custom data sets.

True Customization

Many providers claim they are “custom” but are they? CUAC provides credit unions the ability to choose from a truly a-la-carte approach. Credit unions can take advantage of the services needed to complement their program while performing the tasks they choose. Services include dealer representation, underwriting (standard or after-hours), loan processing, funding and ACH. Choose an indirect solution provider that gives you everything you need, and nothing you don’t.

Technology Driven

To remain competitive in today’s indirect world, credit unions must take advantage of industry leading technology. This includes Dealertrack and RouteOne application platforms, eContracting, Digital Document Solutions and real-time data analytics. CUAC allows credit unions to take advantage of all of the current technology while ensuring that you are positioned for whatever is next. When operating an indirect program, analytics and reporting are key. Instead of relying on clunky LOS reports, take advantage of CUAC’s PowerBI real-time dashboard solution. The CUAC solution provides instant access to rates, paper quality, pipeline trends and querying tools to create custom data sets.

True customization

benefits of indirect lending

In today’s ultra-competitive market, it has become more difficult for credit unions to capture their members’ financing at the point-of-sale. CUAC puts your credit union at the dealership allowing you to compete for your members’ loans while significantly increasing market share by adding new member business. Our customized indirect lending solutions allow you to provide auto, boat, power-sports, RV and manufactured housing financing to your members wherever they shop.

BUILD YOUR AUTO LOAN PORTFOLIO

CUAC puts you in control of your indirect program so that you grow your auto loan portfolio in a responsible manner.

INCREASE NEW MEMBER OPPORTUNITIES

It is important to not only increase membership size; but, also capture new members that provide cross-selling opportunities for credit unions.

DIVERSIFY LOAN MIX

With point-of-sale opportunities on a variety of products, credit unions can greatly broaden their loan portfolios with responsible levels of risk and return.

AFTER HOURS LOAN SUPPORT FOR MEMBERS

It is imperative that credit unions be at the point-of-sale for their members to compete against captive finance companies and offer after-hour services for convenience.

ABOUT CUAC

Founded in 1998, CUAC is a Credit Union Service Organization that was created to meet the ever-changing indirect lending needs of credit unions. CUAC is a credit union-owned CUSO based in Houston, Texas that services over 150 credit unions in 13 states. CUAC is owned by 15 credit unions and offers indirect auto lending solutions for hundreds more across the United States. Our customized point-of-sale financing options offer credit unions the opportunity to expand their loan portfolios in a responsible manner while meeting rapidly changing technology needs.

CUAC provides turn-key products and services that allow you to retain control over risk management while maximizing each and every loan opportunity. Our goal is to assist your credit union in generating quality loans at a profitable return while ensuring that your members can take advantage of the convenience provided by a properly run indirect program.

By integrating CUAC’s indirect solutions, you can extend your office hours to match those of the dealership. CUAC makes it simple with our suite of customizable products for your credit union to expand its auto loan portfolio while retaining existing membership loans and greatly increasing new member growth.

REVIEWS FROM CLIENTS

Darryl Long President & CEO of Baton Rouge Telco FCU

"CUAC has been an invaluable indirect provider for Baton Rouge Telco CU since 2006. They have played an integral role in our credit union's ability to build our loan portfolio and vastly increase membership while keeping delinquencies and charge-offs at a minimum."

Robert A. Brant CEO of Keystone Lending Alliance

"CUAC provided our company with a turn-key loan platform and support that enabled us to open for business much quicker than we could have done on our own. This meant hundreds of additional loans and income to our CUSO that allowed us to be productive and profitable out of the gate! They continue to provide excellent customer support that helps KLA keep our credit unions, and dealers satisfied. We look forward to many more years of collaboration with our partner, CUAC, in providing credit unions with unparalleled service and support!"

Annette Zimmerman CEO of Primeway FCU

"CUAC has been a valued PrimeWay partner for many years. They have provided us with options that have strengthened ongoing relationships with local dealers and enabled us to manage our own underwriting. The excellent service provided by our CUAC partners has resulted in loan growth and enhanced member service.”

Jeffrey J. McClain CEO of Golden Circle CU

"Many vendors claim that they will be your credit union’s business partner and that their goal is your success. But often, these claims last only until the ink dries on the contract. That is why it is refreshing to find an organization like CUAC. They have been a true business partner of Golden Circle CU since 2004. Over the last 15 years, we have booked millions of dollars in loans, provided added convenience to our existing members and been given thousands of opportunities to prove the credit union difference to new members brought in through the program. The CUAC team continually strives to ensure that we truly feel valued as a partner and that the success and satisfaction of Golden Circle are as important as the success of CUAC.”

Chad Miller, CCUFC, CUCE President & CEO of Southwest Louisiana Credit Union

“As a first-mover in our market for Indirect Auto Lending, having CUAC as our indirect provider has been priceless. Southwest Louisiana Credit Union was able to seamlessly boost our loan portfolio, recapture members, and maintain a low level of delinquencies and charge-offs because of CUAC’s expertise.”

Rick Sanchez VP of Lending at Bayou Federal Credit Union

“Bayou Federal Credit Union has been a part of the CUAC family for years and we rely on them as a key source for auto lending. Kurt, Cody, Mike and the rest of the staff provide terrific service to our credit union and we know they are always operating with our best interest in mind. Working with car dealers is a tough business; so, we are glad to have CUAC in our corner.”

Richard Miller Retail Lending Manager at Campus Federal CU

"Campus Federal enjoys a mutually beneficial partnership with CUAC. They have played a significant role in the expansion and quality of our indirect loan portfolio while enhancing the buying experience for our members.”

Jessie Rodriguez President & CEO of Cal-Com Federal Credit Union

“For almost 21 years now, Cal-Com Federal CU has counted on CUAC to provide indirect lending services for our credit union. Our market in south Texas is very competitive and through the guidance and technology CUAC provides, we are able to compete for our members’ financing at the point of sale while adding a diverse mix of quality loans to our portfolio. We are looking forward to the next 20 years and will rely upon CUAC to assist with Cal-Com’s key lending strategies.“

Angie Anderson CEO of CULS

"CUAC has proven to be a key component of our success for many years now! The technology and professional products they provide CULS allow our CUSO to service our dealer and credit union clients more effectively. The customer support my team receives is unparalleled which is extremely important to me. The relationship is that of a partnership rather than a vendor which is what I always seek from a business associate."

Chris Hay President & CEO of Dannemora Federal Credit Union

“CUAC has become a key component of Dannemora Federal CU’s overall lending strategy since we joined their indirect lending program in 2017. Over the last 4 years, they have helped us significantly grow our loan portfolio in a responsible manner. CUAC has created and managed very supportive relationships with the dealers in our market that will pay dividends for years to come.“

Rocky Hinojosa AVP at Priority Trust CU

“I have been working with the CUAC team throughout the last 15 years of my credit union career. John, Kurt and the rest of the CUSO staff work hard to make sure that our credit union remains a key lender for the dealers in our market. Our membership demands convenience when shopping for a vehicle. CUAC allows us to capture their loans at the point of sale using all of the latest technology.“

Kenny Harrington President & CEO of MemberSource Credit Union

“As a founding member of the CUSO, MemberSource has relied upon CUAC for our indirect lending needs for over 20 years now. Through their focus on technology and loan profitability, our credit union is able to stay competitive in the Houston market while adding quality loans to our portfolio.“

Cheryl Schill VP of Lending at PSE Credit Union

“Since 2003, PSE Credit Union has been working with the CUAC team to add quality loans to our portfolio. The program allows us to compete for our members’ financing at the point of sale and we have significantly added to our membership base over the last 18 years through the indirect channel. We enjoy the collaborative effort with the other credit unions in northeastern Ohio which strengthens the program.”

Steve Piekarski Executive Vice President/Chief Operating Officer

“Our almost five year affiliation with CUAC has allowed ProFed to enter the indirect auto market without any adverse influence on our credit union’s historically low delinquency or charge-off experience. CUAC understands the credit union mindset. From top to bottom, their management and employees have been respectful of the way our credit union does business. They have shown themselves to be responsive and have not, at all, taken ProFed’s business for granted. In that, CUAC’s underwriting, operational integrity and dealer relations hold my trust.”

Timothy E. Pierce President & CEO of PrimeTrust FCU

“The service is easy to use and allows us to compete for our members’ loans at the dealership. We are able to make decisions on the weekend and late at night. Their team is easy to work with, their reporting is comprehensive & robust and allows us to manage risk and loan profitability. This is a great partnership and collaboration.”

Angela Drury Chief Operating Officer of 1ST Gateway CU

“With CUAC, we are receiving more functionality and better service, along with cost savings. The staff is prompt to address issues and always courteous and conscientious. They are quick to let us know of potential problems and stay engaged until issues are resolved.”

Mike Robin Lending Manager of BRECO FCU

“The staff are one of the main reasons we made the decision to partner with CUAC. The monthly meetings allow us to offer a service we normally wouldn’t be able to offer while maintaining control of the decision parameters and rates. The other primary factor was CUAC’s rich tradition in the Louisiana market and their connections with dealerships all over the state of Louisiana. The entire CUAC team is focused on providing the best customer experience for their credit unions, dealerships, and members. When the time comes to offer indirect Powersports lending, CUAC will be our first choice.”

Rob Roseman Vice President of IHMV CU

“CUAC is unique from the competition. Their system allows us to grow and to scale, something no other vendor would allow us to do.”

Jay Noel Chief Lending Officer at Campus Federal Credit Union

“The CUAC team is highly professional and understands our needs. Our representative, Paul Russo, has a great relationship with auto dealers in Louisiana. The culture and values of CUAC closely align with our own; we strive to be the trusted financial partner for every stage of our members’ lives. CUAC is a reliable and dependable partner of Campus Federal. We look forward to continuing to work together to expand our auto loan portfolio while providing excellent member experiences.”

Tommy Cobb CEO of Alabama CU Services

“We are developing other lending technologies that we believe will help smaller credit unions and our options would be very limited without the help of CUAC. We are pleased about our partnership with CUAC and look forward to them helping us meet our growth potential. They have the key technology components we are looking for, they provide us with operational insight and a genuine interest in helping us reach our goals. We are excited about the opportunities in front of us.”

REVIEWS FROM CLIENTS

Larry Lemoine VP of Lending at Baton Rouge Telco FCU

Robert A. Brant CEO of Keystone Lending Alliance

CUAC provided our company with a turn-key loan platform and support that enabled us to open for business much quicker than we could have done on our own. This meant hundreds of additional loans and income to our CUSO that allowed us to be productive and profitable out of the gate! They continue to provide excellent customer support that helps KLA keep our credit unions, and dealers satisfied. We look forward to many more years of collaboration with our partner, CUAC, in providing credit unions with unparalleled service and support!"

Annette Zimmerman CEO Primeway FCU

CUAC has been a valued PrimeWay partner for many years. They have provided us with options that have strengthened ongoing relationships with local dealers and enabled us to manage our own underwriting. The excellent service provided by our CUAC partners has resulted in loan growth and enhanced member service.”

Jeffrey J. McClain CEO Golden Circle CU

Many vendors claim that they will be your credit union’s business partner and that their goal is your success. But often, these claims last only until the ink dries on the contract. That is why it is refreshing to find an organization like CUAC. They have been a true business partner of Golden Circle CU since 2004. Over the last 15 years, we have booked millions of dollars in loans, provided added convenience to our existing members and been given thousands of opportunities to prove the credit union difference to new members brought in through the program. The CUAC team continually strives to ensure that we truly feel valued as a partner and that the success and satisfaction of Golden Circle are as important as the success of CUAC.”

Chad Miller, CCUFC, CUCE President and CEO of Southwest Louisiana Credit Union

Rick Sanchez VP of Lending at Bayou Federal Credit Union

Richard Miller Retail Lending Manager at Campus Federal CU

Campus Federal enjoys a mutually beneficial partnership with CUAC. They have played a significant role in the expansion and quality of our indirect loan portfolio while enhancing the buying experience for our members.”

Jessie Rodriguez President and CEO of Cal-Com Federal Credit Union

Angie Anderson CEO of CULS

Chris Hay President and CEO of Dannemora Federal Credit Union

Rocky Hinojosa AVP of Plus4 Credit Union

“I have been working with the CUAC team throughout the last 16 years of my credit union career. John, Kurt and the rest of the CUSO staff work hard to make sure that our credit union remains a key lender for the dealers in our market. Our membership demands convenience when shopping for a vehicle. CUAC allows us to capture their loans at the point of sale using all of the latest technology.“

Steve Branstetter Executive Vice President of People’s Trust Federal Credit Union

“People’s Trust Federal Credit Union has been an owner in the CUSO since 2003. In that time, our indirect requirements have evolved; however, CUAC has been able to adapt and meet our needs at each step. We continue to rely upon CUAC to deliver quality loans to our credit union and provide the convenience our members demand.“

Craig Atkinson President and CEO of Houston Highway Credit Union

“As one of the original founders of the CUSO, I have seen the growth of CUAC over the last two decades and the impact they’ve had on the indirect lending market in Houston. 22 years later, I continue to rely upon them for adding quality loans to our portfolio and help us capture our member loans at the dealership.“

Kenny Harrington President and CEO of MemberSource Credit Union

Cheryl Schill VP of Lending at PSE Credit Union

Jessica Gillen President & CEO USE Credit Union

“As a founding member of CUAC over 2 decades ago, USE Credit Union continues to rely on CUAC to provide our indirect lending needs. Through its collaboration with the other key credit unions in our market, the CUAC program continues to provide us with quality loans while keeping up with the ever-changing technology demands of the auto finance market.“

Steve Piekarski Executive Vice President/Chief Operating Officer