FocusOne

You won the auto loan. Now what?

For credit unions, closing the loan can be the beginning of a much bigger opportunity.

From VSC pe*******on and indirect borrower re-engagement to portfolio protection and additional income, there are several ways to create more value after the loan is booked.

Our latest blog breaks down where to look and what credit unions can do next.

Read more:
https://focusone.com/winning-the-loan-is-only-half-the-opportunity/

Winning the Loan Is Only Half the Opportunity: A VSC Strategy for Credit Unions - FocusOne Now Learn how credit unions can turn indirect auto loans into greater member protection, portfolio stability, and non-interest income through smarter VSC strategy.

🎉 Celebrating 10 Years! 🎉

Congratulations to Donna MacGregor for an incredible 10 years of service and dedication!

Donna has been an important part of our team, and reaching a decade is a milestone worth celebrating. Adrian Dominguez and Brandi Davidson presented her with a plaque recognizing this special achievement.

Please join us in congratulating Donna and thanking her for 10 amazing years! 👏🎊

Congratulations, Donna! Here’s to many more!

Back-to-school season is here! 📚🍎

Earlier this week, the FocusOne team stopped by Emmott Elementary with snacks and drinks for teachers and staff during their Professional Days.

With students returning next week, we wanted to help keep the Emmott team fueled as they prepare classrooms and get ready for another great school year.

We’re proud to support our Adopt-a-School partner and the incredible educators who make a difference every day. Wishing everyone at Emmott Elementary an amazing start to the year! 💙

An aggregate pull-through rate of 60% can look perfectly healthy.

But what if half your dealer network is converting at 85%, while the other half is using underwriting capacity on deals that never close?

That is the problem with lagging indicators. They can average away the details you actually need to see.

Our latest article breaks down five leading metrics that can help credit unions identify dealer friction, funding delays, missed member opportunities, and early portfolio risk.

Read more:
https://focusone.com/5-leading-metrics-that-actually-predict-indirect-lending-performance/

5 Indirect Lending Metrics That Predict Performance Volume and delinquency tell you what already happened. Here are 5 leading indirect lending metrics that predict performance, plus the red flags to watch.

Mortgage lending in 2026 is not for the faint of heart. ❤️‍🩹

The market is challenging, member expectations are changing, and credit unions need to know whether their mortgage programs are positioned to compete.

Our latest blog shares four important pulse checks covering purchase strategy, referral relationships, operational performance, and first-time homebuyer readiness.

How healthy is your mortgage program?

Read the full article:
https://focusone.com/mortgage-in-2026-not-for-the-faint-of-heart-heres-how-to-check-your-programs-pulse/

Mortgage in 2026: Not for the Faint of Heart (Four Pulse Checks for Your Mortgage Program) - FocusOne Now Is your credit union’s mortgage program positioned to compete in 2026? Pulse checks to evaluate your pipeline, operations, products, and referral strategy.

Your credit union’s dealer relationships may offer more value than you realize.

MAC Wholesale gives credit unions and CUSOs an opportunity to build and manage dealer partnerships, support members earlier in the vehicle-shopping process, and generate recurring non-interest income.

See how the model works in our latest blog:

https://focusone.com/beyond-auto-loans-how-credit-unions-can-generate-revenue-through-mac-wholesale/

MAC Wholesale: New Revenue for Credit Unions | FocusOne Learn how credit unions can use MAC Wholesale, existing dealer relationships and revenue sharing to generate recurring non-interest income.

Happy Houston Day! 🤘🚀🌮

Big city. Big heart. 713% Houston.

Proud to call this incredible city home! 💙🧡

Thinking about switching your credit union's VSC program?

Most CUs expect a mess.

The reality: existing contracts stay in place, new loans move over at origination, and launch typically takes 60 to 90 days.

The bigger question is whether your current program deserves to stay. Start with this one: who keeps the underwriting profit?

Marcy Murray walks through what to evaluate, how the transition works, and how to set your team up for a smooth launch. 👇

Switching VSC Programs? What Credit Unions Should Expect - FocusOne Now Switching your credit union's VSC program is easier than you think. What to evaluate, how the transition works, and how to set your team up to win.

FocusOne will be closed Friday, July 3, in observance of Independence Day.

Wishing everyone a safe, happy, and fun holiday weekend! 🇺🇸