Unlocking Growth in Credit Union Business Banking: How Core Data Creates Opportunity

In today’s competitive financial landscape, credit union business banking is no longer optional—it’s essential. But many credit unions are still struggling to grow their commercial portfolios. The good news? The most powerful opportunity for growth is already at your fingertips: your core data.

Instead of spending time and money chasing new tech tools, credit unions can tap into the data they already collect every day. With the right approach, this internal data becomes a blueprint for smarter business banking outreach, better treasury product adoption, and stronger member relationships.

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Your Core Tells a Story—You Just Need to Listen

Every business account tells a story through its transactions: what the business values, where its pain points are, and when it might be ready for support. Credit union business banking teams can use that data to connect the dots between behavior and opportunity.

Here are some examples:

• A business depositing dozens of checks weekly may be ready for ACH receivables or Remote Deposit Capture

• Idle balances over six figures might signal a need for sweep accounts or liquidity tools

• Large or recurring transfers could mean the business would benefit from a commercial wire service

This is data you already have. It just needs to be activated.

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From Static to Strategic: Turning Data into Outreach

Imagine your relationship managers walking into a call with real-time behavior insights. Instead of asking open-ended questions, they can offer tailored recommendations:

“I noticed your business has a high volume of manual payments—have you considered automating receivables with our ACH solution?”

That’s not a sales pitch. It’s a service-oriented, insight-driven conversation—and it’s the future of credit union business banking.

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Real Example: How One Credit Union Saw Results Fast

Tru Treasury worked with a credit union that had 300+ commercial members. By analyzing transaction-level data, we discovered over 40% were not using any treasury services—despite showing behavior that indicated need.

We helped build segmented call plans using these signals. Within 90 days:

• Over 60% of those accounts adopted at least one treasury product

• Commercial deposit balances increased

• Member satisfaction scores improved

The credit union didn’t launch a new product. They just listened better.

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Where to Look: Top Data Signals That Indicate Readiness

If you’re not sure where to start, here are common behaviors that suggest a business member may need help:

• Paper-heavy processes → Recommend RDC, ACH

• Manual payments → Offer wire services or automation tools

• Idle cash balances → Discuss sweep accounts or money market options

• Late-night or weekend transfers → Position digital treasury tools for convenience

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Make It a Team Effort

Core data isn’t just for your operations team—it should inform all areas of your credit union business banking strategy.

When treasury officers, commercial lenders, and branch teams share insights, you can align on smarter outreach. Everyone becomes part of the growth engine.

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Why This Matters Right Now

Fintechs and big banks already use predictive data to win over your members. But you have something they don’t: trust. When trust is paired with intelligent, timely recommendations, it creates deep loyalty and lasting relationships.

That’s how you win in credit union business banking—by using data with heart.

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Ready to Use Data to Grow Your Business Banking Program?

Tru Treasury helps credit unions turn core data into action. From portfolio analysis to strategic playbooks, we give your team the tools to engage commercial members with confidence and clarity. To learn more reach out to the Tru Treasury Team.

📩 Contact Jeff Bassett
📧 [email protected]
🌐 www.TruTreasury.com