Modern Lending at a Century-Old Credit Union

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22 Minutes in Lending: Conversations about Credit Unions, Fintech, and Future of Finance

LendKey: Lending Made Simple

57 episodes

2 days ago

22 Minutes in Lending is a podcast that brings you leading conversations on lending. Join host Vince Passione as he engages with industry leaders and discusses trends and current news in the lending industry. Here, we hone in on how it’s about more than just the balance sheet, and focus on what it takes to build meaningful and lasting lending relationships.

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Modern Lending at a Century-Old Credit Union

22 Minutes in Lending: Conversations about Credit Unions, Fintech, and Future of Finance

24 minutes 56 seconds

3 months ago

Modern Lending at a Century-Old Credit Union

How do you modernize a 100-year-old credit union without losing sight of your mission? John Anderson, Chief Lending Officer at Atlanta Postal Credit Union, joins us to share how APCU is navigating dual branding, fintech partnerships, liquidity pressures, and AI adoption—all while staying grounded in its mission to serve both legacy postal-service members and the broader community.

Key Highlights

01:00 – Overview of Atlanta Postal and its community-focused sub-brand, Center Parc.

02:38 –Why and how APCU pivoted to a dual branded approach, and what’s to come in its 100th year.

04:11 – Difference between members from the community vs. postal-service members.

06:06 – How APCU navigated the liquidity crunch: shifting from CDs to alternative savings products.

07:13 – Strategic planning: why APCU avoids “scenario overload” and focuses on actionable risks like USPS changes and GSA lease cuts.

08:43 – The biggest lending challenges APCU is tackling in 2026 planning.

09:38 – Is fintech-powered lending just indirect by another name? John shares how it’s different.

10:32 – Digitizing the onboarding process + human follow-up: APCU’s hybrid approach to memberization.

12:10 – Servicing plays a key role in building loyalty with members. APCU sees the value in keeping it internal.

12:54 – Auto refi isn’t on your members’ radar—but the offers are. A discussion about meeting members where the decision happens and partnering with fintechs that support recapture.

15:55 – How APCU is putting AI into action.

19:03 – AI as a force multiplier, not a threat: how APCU is freeing up staff for high-value work.

20:10 –John shares his mindset shift coming from banking, and what credit unions taught him about serving more than just the safest borrower.

21:27 – Advice for up-and-coming Chief Lending Officers.

Resources Mentioned:

Atlanta Postal Credit Union: https://www.apcu.com/

LendKey: https://www.lendkey.com/

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