Credit Union Alternative Data Survey

What is your title? *

CEO / President

Other C-suite

EVP / SVP

VP / AVP

Director / Manager

Other:

Please enter your Other title.

What is your functional area? *

Executive Leadership

Consumer Credit Analytics / Risk Management

Consumer Lending Operations / Underwriting

Digital / IT

Marketing

Operations

Finance

Other:

Please enter your Other functional area.

What are your credit union's total assets? *

Please select an asset range.

Please indicate where your credit union currently uses each type of alternative data.

Include only digital or system-generated data sources, not manually collected documents such as W-2s, paystubs, or bank statements. Leave a row blank if your credit union does not currently use that type of data.

Data Type

Marketing

KYC / compliance

Fraud prevention

Credit decisioning

Exceptions / second looks

Manual review

Portfolio review

Collections

Which best describes how alternative data influences lending decisions at your credit union today? *

N/A: Not used in underwriting or credit-policy workflows

Informational only: Visible to staff or considered directionally, but not directly used to determine approval, pricing, limits, or policy treatment

Exception handling / second looks: Supports review of declined, borderline, thin-file, or exception cases, but does not broadly change the main approval, pricing, limit, or policy logic

Policy change: Embedded in formal rules, models, thresholds, pricing, limits, or approval logic that apply systematically to applicants

Please select an option.

Where do you believe most credit unions are today in adopting alternative data? *

Not yet evaluating

Piloting limited use cases

Learning or early exploration

Using to support underwriting decisions

Using for verification or fraud only

Using to directly change approval, pricing, limits, or policy

Please select an option.

For each use case below, what best describes your credit union's current status with member data from your core system?

Core Data

Not available
or unsure

Available but
not used today

Evaluating
with interest

Case-by-case
staff review

Used in rules
or queries

Fully automated
& integrated

What are your credit union's main strategic goals for alternative data over the next 1–2 years?

Please select up to three.

Please enter your Other goal.

Which member or applicant groups would benefit most from greater use of alternative data at your credit union?

Please select up to three.

Please enter your Other member group.

Over the next 1–2 years, which alternative data types does your credit union expect to use more?

Please select all that apply.

Please enter your Other data type.

Please rate your credit union's readiness to operationalize alternative data.

Capability Area

Not started

Early discussion

Partially in place

Mostly in place

Fully in place

A response for each capability area is required.

What are the main constraints on your credit union's alternative data adoption?

Please select up to three

Please enter your Other constraint.

Which best describes how your credit union has measured the impact of alternative data? *

Too early to tell

No discernible impact

Directional improvement noted but not formally measured

Quantified and tracked impact (models, reports, dashboards)

Not applicable – we do not use alternative data

Please select an option.

In which areas has your credit union observed improvement from alternative data use?

Please select all that apply.

Please enter your Other area of improvement.

Optional: provide your email address if you'd like to enter the raffle for a $100 gift card.

Twenty $100 gift cards will be awarded to randomly selected participants who provide an email address. Email addresses will be used only for raffle administration.