The Credit Union Guide to Debt Collection Success

Actionable Insights for Credit Unions to Optimize Debt Recovery Channels

The Credit Union Guide to Debt Collection Success

Credit unions are facing increasing pressure from rising charge-off rates, tighter margins, and growing member expectations. But too often, recovery strategies haven’t evolved to meet the moment. 

This whitepaper gives you the strategic insight you need to protect financial performance—without compromising your commitment to member service.

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Start identifying overlooked opportunities and build a smarter, more sustainable recovery plan today.

    What You’ll Learn

    • How delinquency and charge-off trends are impacting credit unions, with 2024 TransUnion and NCUA data
    • How to evaluate recovery options: internal collections, agencies, legal action, and debt sales
    • What myths about debt sales are holding credit unions back—and how the reality is different
    • What compliance standards to demand from third-party partners and debt buyers
    • How to segment portfolios to maximize recovery while maintaining goodwill
    • Why documentation is the cornerstone of a compliant, defensible strategy

    Who This Is For

    This whitepaper is built for:

    • Credit Union leaders 
    • Collections Managers
    • CFOs and COOs
    • Risk and Compliance Officers
    • Executive Teams reviewing recovery performance

    Whether you’re exploring debt sales for the first time or refining your collections strategy, this resource will help you make informed, confident decisions.