Module 05

Enterprise Analytics & ML

Real-time dashboards. Custom ML models. Multi-tenant architecture for CUSOs and leagues. Enterprise analytics at cooperative pricing.

See Your Credit Union in Real Time

Most credit unions report on what happened last month. With Pinot Pulse, you see what's happening right now — member growth, deposit flows, loan performance, delinquency trends — updated in real time as transactions flow through your core.

Go beyond dashboards with custom ML models that predict member attrition before it happens, score cross-sell propensity, and model default risk across your loan portfolio.

Dashboards

Real-Time Operational Intelligence

Member Analytics

Growth trends, demographic analysis, engagement scoring, product penetration, and lifecycle stage tracking. Know your members better than any bank knows its customers.

Financial Performance

Asset growth, deposit composition, loan portfolio mix, net interest margin trends, and fee income analysis. Real-time P&L visibility.

Loan Portfolio

Delinquency rates by product, concentration risk analysis, vintage performance, and early warning indicators for credit deterioration.

Compliance Dashboard

Filing status across all regulations, upcoming deadlines, exam timeline, open findings, and corrective action progress — all in one view.

Machine Learning

Predictive Models for Credit Unions

Attrition

Member Retention

Predict which members are at risk of leaving. Identify the behavioral signals — reduced activity, balance declines, product closures — before they close their account.

Default

Credit Risk

Model default probability across your loan portfolio. Segment by product, vintage, and risk tier. Early warning alerts for deteriorating credits.

Cross-Sell

Growth Scoring

Score members for product propensity. Identify the right product, right member, right time. Drive organic growth through data-informed recommendations.

Multi-Tenant

Built for CUSOs & State Leagues

One deployment. Dozens of credit unions. Complete isolation. Cooperative pricing.

ABAC + Row-Level Security

Attribute-Based Access Control plus Row-Level Security ensures complete data isolation between tenants. No credit union ever sees another's data.

4 KMS Providers

AWS KMS, Google Cloud KMS, Azure Key Vault, and HashiCorp Vault. Each tenant can use their own key management provider.

See Analytics & ML in Action

Schedule a personalized demo tailored to your credit union's requirements.

Request a Demo