Post on 21-Dec-2015
MBS 6th CU Small Business Summit
May 5, 2015
Pierre Naudé
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Need for Speed in Lending
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Industry Outlook
Loan Balances are Growing at a Record Pace at Credit Unions
Total Loan BalancesData as of December 31, 2014
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Comparative Growth of Business Loan Portfolios
Mar-2005
Jun-2005
Sep-2005
Dec-2005
Mar-2006
Jun-2006
Sep-2006
Dec-2006
Mar-2007
Jun-2007
Sep-2007
Dec-2007
Mar-2008
Jun-2008
Sep-2008
Dec-2008
Mar-2009
Jun-2009
Sep-2009
Dec-2009
Mar-2010
Jun-2010
Sep-2010
Dec-2010
Mar-2011
Jun-2011
Sep-2011
Dec-2011
Mar-2012
Jun-2012
Sep-2012
Dec-2012
Mar-2013
Jun-2013
Sep-2013
Dec-2013
Mar-2014
Jun-2014
Sep-2014
Dec-2014
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
Comparative Growth of Business Loan Portfolios: Credit Unions vs. Banks
All Credit Unions in U.S. All banks
Source: Peer to Peer Analytics by Callahan & Associates. Note: data includes MBL Loans and Unfunded Commitments Less Sold Participations and SBA Loans as a % of Assets
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Member Business Lending on the Rise
Source: U.S. Small Business Administration. Note: excludes unfunded commitments.
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The Opportunity for Credit Unions
65%
27%
5% 3%
Chart Title
No MBL0 to 50%50 to 80%Over 80%
The current cap allows credit unions to make member business loans over $50,000 up to 12.25% of assets.
Loans under $50,000 do not count toward the MBL cap.
Credit unions with exemptions to the MBL cap have not been included.
Source: U.S. Small Business Administration
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Our Mission
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The Leader in Cloud Banking
• Founded in January 2012• Headquartered in Wilmington, N.C.• 139 Employees (Over Half are Former Bankers)• Approximately 90 Customers ($150 million - $200 billion)• Raised Approximately $62M in Funding
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Lending Then…
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And Now
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Improve Efficiency
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Innovative Solution
Interact
Transact
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Member Portal
Start Application Document Access Check Status Document Checklist Facilitate Communication
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Benefits Quantified
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Customer PortfolioCredit Unions Banks
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nCino Customer Success
“We are excited about nCino’s ability to improve our credit unions’ relationship management with their business members, as well as serve the broader needs of those business members’ employees.”
“Our partnership with nCino may be the single most important decision we will have made as a credit union. The way member facing employees can now serve our members with relationship data at their fingertips saves time, drives efficiency and ultimately makes our members happier.”
-Robert Campbell, President & CEO
-Jim Northington, Chief Credit Officer
-Rob Harbin, Chief Information Officer
-Colin Paterson, AVP Commercial Lending
“Over my thirty year banking career I have seen lots of other loan origination systems. None compared to nCino’s Bank Operating System.”
“We liked that both CRM functionality and loan origination are incorporated into the nCino Bank Operating System.”
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Member Business Solutions (MBS) Case Study
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MBS and nCino
“With nCino, we can focus on credit union relationships – and their member relationships – as the CUSO grows.”
-Jim Gallagher, President