Red River Credit Union

With more than $1.6 billion in assets and proudly serving over 123,000 members across five states, Red River Credit Union (RRCU) has built its reputation on relationship-driven service and deep commitment to the communities it serves.

Heading into a major core conversion from Fiserv XP2 to Corelation Keystone, RRCU saw the opportunity to resolve a long-standing pain point: branch lending and online lending operated on two different systems. Only a small subset of lenders processed the online applications day-to-day, which created inconsistent processes across the team and limited RRCU's ability to scale a single, standardized origination workflow.

• Unify branch and online origination on a single, core-connected LOS that sits on top of Corelation Keystone
• Deliver a seamless end-to-end digital experience (application through e-sign) for consumer accounts and loans
• Leverage Keystone automation to reduce manual underwriting work, streamline handoffs, and speed time-to-funding
• Improve member conversion and grow loan volume with a faster, clearer application experience and better pipeline reporting

RRCU partnered with Cotribute as the modern digital origination layer on top of Corelation Keystone, working side-by-side from kickoff in September 2024 to go-live in April 2025. Alongside the account-opening flows, Cotribute stood up eleven consumer loan products — previously on a traditional loan origination system.

Custom logic handles RRCU's debt-protection rules, and configurable lending rules standardize eligibility, product selection, and required documentation across channels. Credit is pulled automatically during the application flow, and deep, real-time integrations with Keystone for member lookups, decisioning, document generation, and booking ensure online loan applications flow directly into the same workflow used in the branch.

Loan products configured:

• 28% lift in monthly loan applications — measured 12 months after go-live
• 83% application completion rate on the highest-volume loan product

"Our members expect the same kind of digital experience they get from any modern fintech, and Cotribute helps us deliver that without losing the relationship-driven service Red River is known for. With deep integration to Corelation Keystone, we've brought branch and online lending into a single workflow and created a more consistent experience for both members and staff."