Five features for faster decisions: the foundation to double credit union lending

Before introducing new features in 2025, NestEgg rebuilt its Decision Engine Dashboard from the ground up. Dashboard 2.0 became the foundation for everything that followed, delivering a 30% reduction in loan turnaround time.

Here’s what we’ve built on that foundation (so far):

Price right, grow fast

Flat-rate pricing creates an impossible dilemma. Low-risk borrowers go elsewhere for better rates. Higher-risk loans get underpriced. Credit unions lose the borrowers they want most while undercharging for the risk they take.

Risk-Based Pricing automatically adjusts rates based on credit scores and loan values. Show applicants competitive rates instantly after a soft search. Apply different strategies to different products.

The impact is immediate. Low-risk applicants see competitive rates result in lenders 40% increases in higher value loans. Higher-risk loans carry appropriate rates. Lenders grow within their risk appetite instead of fighting against it.

Your best data, front and centre

Credit union’s own lending data is often more predictive than external credit scores, yet it’s typically trapped in the core banking platform. Loan Officers waste precious time switching between systems, disrupting flow and breaking concentration.

NestEgg automatically displays the credit union’s loan data directly within the Decision Engine. View 36 months of loans repaid, current balances, and payment status. No separate logins, system switching, or disruption.

A member with a low credit score but consistent repayment history gets the credit they deserve. Your best predictor of future behaviour, finally gets the weight it deserves in every decision.

Spot problems before they become losses

Credit cards account for £1 in every £3 lent in the UK. Borrowers carrying persistent high balances represent significant risk. However, it can take a long time to sift through pages of credit reports to find this information.

NestEgg now provides comprehensive credit card insights including month-to-month balance history, account statuses, and visual comparisons to credit limits. Use decisioning rules to decline or refer persistent high utilisation patterns, escalating balances, and spending behaviors that indicate financial stress before they manifest as defaults.

Unlock hidden lending opportunities

Credit unions decline thousands of applications from borrowers with adverse credit but substantial property equity. When they do look at assets, it takes hours to manually research property values and work out net indebtedness.

Property Insights automatically incorporates property data into lending decisions. When a borrower confirms homeownership, the Decision Engine instantly provides current market value, outstanding mortgage balances, equity position, Council Tax details, property type, and transaction history. All without manual searches or system switching.

The impact is substantial. Turning 100 previously declined homeowner loans into accepts generate £70k in additional annual interest (£10k over 36 months at 7.9% APR).

From portfolio risk to strategic growth

Critical questions often go unanswered. What’s the actual bad debt risk? Which products deliver the best returns? Where’s the processing bottleneck? Without data, credit unions are making decisions based on instinct.

NestEgg’s analytics delivers the answers. Track loan book growth against business plan targets. Identify top-performing products. Pinpoint operational inefficiencies. Analyse risk by credit profile, geography, and loan purpose. Stop guessing. Start knowing.

Continuous improvement

In addition to major features, we’ve been releasing dozens of small interface refinements. Clearer layouts, better organisation, more intuitive navigation. What takes 5 minutes today might take 4 minutes by year-end. Multiplied across every application, every loan officer, every credit union, that’s thousands of additional decisions and millions in additional lending capacity.

From foundation to optimisation

The foundation is built. Dashboard 2.0 halved loan processing time. Five new features delivered data-driven decisioning, with turnaround time dropping by 30%. But this is just the beginning.

2026 will be about optimisation. NestEgg has built the platform for speed. Now we’ll help credit unions extract every second of efficiency from it. Deeper insights into what’s driving faster decisions. More risk insights. Finer control over every decision point. Because in lending, every minute matters. Faster turnaround means faster growth.

Relentless optimisation is how NestEgg will help double credit union lending by 2030. To complement the technology, on 6 January, we’ll be releasing our long-awaited white paper on how the sector can double its loan book within five years.

New to NestEgg? Book a demo below to see how our award-winning Decision Engine delivers competitive advantage.