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Case study

Abound Credit Union opened its full member history in 3 months

Only 6 months of member data was reachable, which ruled out soft-pull credit scoring and a full member view.

Abound Credit Union

Abound Credit Union · Underwriting and risk

10xmore member history available for analysis

The workflow before

Abound's data sat in core systems that were hard to extract from, with older records on optical storage. Analysts could reach about 6 months of history. Governance rules for member data were not defined, so there was no trusted base for soft-pull credit scoring or a single view of each member.

What we built

A lean team of a senior data engineer, an architect and an analyst built automated pipelines that pull data from Abound's source systems into a central Azure data lake, ending the reliance on optical storage.

We scoped the governance rules for member data, covering security and accuracy, and modeled the data in Snowflake so analysts can query years of history instead of months. The work ran over 3 months.

Before and after

MeasureBeforeAfter
Member history available6 monthsAbout 5 years
Data extraction from source systemsManual, partialAutomated pipelines
Archive accessOptical storageCentral data lake

What's next

With history and governance in place, Abound can build its soft-pull credit scoring model and member 360 view. That is the L2 step: models and assistants that work directly on governed member data.

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Automated ingestion pipelines extract from core and archive systems into Azure Data Lake, replacing optical storage as the system of record for history. Snowflake serves the modeled member data to analysts.

Governance scoping covered member data security, access and accuracy requirements, setting the controls a regulated credit union needs before running credit models on the data.

Next step

Let's build the case study we tell next.