Atlantic Federal Credit Union automates collections with text and email outreach to drive immediate member payments

The Atlantic FCU's collections process was entirely manual, relying on a small two-person team making endless phone calls during business hours. This made scaling nearly impossible and frustrated members who had no flexible, self-service way to resolve delinquencies.

The credit union deployed Eltropy's automated collections platform, using text and email outreach with embedded payment links to let members pay on their own schedule. The solution integrated smoothly with the credit union's core system to ensure smooth transaction processing without manual intervention.

From the first campaign, payments started coming in immediately — the CEO described the member receptivity as "automatic." The automation handled high-volume, low-complexity cases, freeing the team to focus on more complex delinquencies. The credit union is now expanding Eltropy's use across more loan portfolios.

• Frictionless, self-service payment options dramatically improve member willingness to resolve delinquencies without the stigma of phone calls.
• Automating routine collections outreach multiplies the capacity of small teams by handling high-volume low-complexity cases at scale.
• Early results (first month) are a strong signal — immediate ROI justifies expanding automation to additional loan portfolios.