DefaultSleuth · Follow the clues. Prevent the loss.

Detect early.
Dispatch smarter.
Debrief outcomes.

What if you could spot financial strain before it became financial loss? DefaultSleuth uses behavioral signals across loans, deposits, and transactions to surface early warning signs, so teams can act sooner, reduce charge-offs, and protect member relationships.

Behavioral-first intelligenceProactive loss preventionMember-first risk preventionOperational efficiency
FIG. 01 - HOW DEFAULTSLEUTH SCORES A LOAN · SIGNALS → SCORE → ACTION SCORING
Built for credit unions, by credit unions◆ CU*Answers · Jack Henry / Symitar◆ SOC 2 Type 2 attested◆ No protected-class attributes◆ Detection through recovery · one platform◆ Built for credit unions, by credit unions◆ CU*Answers · Jack Henry / Symitar◆ SOC 2 Type 2 attested◆ No protected-class attributes◆ Detection through recovery · one platform◆
TRUSTED BY CREDIT UNIONS INCLUDING
Greenville Federal Credit Union Pheple Federal Credit Union MTC Federal Credit Union Members Credit Union Mid Carolina Credit Union Labor Credit Union Greenville Federal Credit Union Pheple Federal Credit Union MTC Federal Credit Union Members Credit Union Mid Carolina Credit Union Labor Credit Union
WHY NOW

The work moved. The tools didn't.

Distress shows up in member behavior weeks before a payment is ever missed. Legacy tools only see it after the relationship has already cracked.

WHERE RISK STARTS Behavioral strain: deposits shift, transactions change. DefaultSleuth sees it here.
WHERE LEGACY TOOLS SEE IT 30 days past due. The first missed payment has already happened.
WHEN IT'S TOO LATE 90 days past due. Options are gone; charge-off is near.
01 The platform Real screens · live software

One screen for the whole book: portfolio risk, prioritized queues, and explainable drivers. No more spreadsheet-based reporting.

app.defaultsleuth.com/dashboard
Dashboard
Work Queue
Opportunities
AI Assistant
Admin
Export Data
demo@yourcu.org
Total Loan Portfolio
$375,348,675-6.17%
Total Balance at Risk
$5,223,246-5.99%
Total Balance Saved
$1,203,450+4.1%
Balances by Core Status
Active (7,490) 30–89 Days (87) 90+ / NPL (52)
Charge-Off Rate · Actual vs Expected
Healthy$357,238,434
Watchlist$11,987,857
Intervention$6,122,384
RISK TIERBALANCELOANSTOP DRIVER
CRITICAL$1,230,06734DEPOSIT VOLATILITY
HIGH$3,092,345151PAYMENT TIMING
MODERATE$7,890,214612UTILIZATION
Detect

Behavioral risk intelligence across loan, deposit, and spending patterns. Flags strain before delinquency and separates self-cures from likely defaults.

Dispatch

Smart workflows: 360° member and loan view, automated routing and dispositions, integration with your outreach partners.

Debrief

Explainable insights: an AI assistant for instant answers, portfolio and product trend dashboards, and the top drivers of risk, executive-ready.

A practical path to value: start with a minimum viable dataset, then expand signals and automation over time.
1
Ingest

Map loans, deposits, and transactions. Validate definitions and success metrics with your team.

2
Detect

Generate risk signals and explainable drivers to identify where intervention will matter most.

3
Dispatch

Work risk-ranked queues, record actions, and standardize execution across the lifecycle.

4
Debrief

Track outcomes, identify what's working, and refine strategy with portfolio-level visibility.

Two capabilities. One platform.

Behavioral AI scoring and full lifecycle collections management, standalone or together.

LAYER 1 - AI SCORING ENGINE

Predicts default 3 months before it happens

  • Behavioral signals: loans, deposits & transactions
  • Scores every loan: Low / Moderate / High / Critical
  • Explainable drivers, no black-box outputs
  • SOC 2 Type 2 compliant · no protected-class attributes
  • Bespoke model per credit union
  • Nightly or weekly SFTP feed in; scores returned the same day, into the systems you already use
Identifies risk up to 3 months before delinquency appears.
LAYER 2 - COLLECTIONS PLATFORM

Modern collections management, end-to-end

  • AI-prioritized work queues, including 0 DPD
  • Full lifecycle: delinquency → bankruptcy → recovery
  • Automated outreach that eliminates manual work
  • Case management replaces spreadsheets entirely
  • Portfolio & executive dashboards, board-ready
Use both together or start with scoring alone. Fits how you work.
02 Evidence ~131,000 loan snapshots · production institution · outcomes at 90 days
0%
Critical-tier precision
Of loans scored Critical, 87% proceeded to charge-off within the measurement window.
0%
Flagged before default
Three in four future delinquencies were identified before a payment was ever missed.
0%
Low-tier self-cure rate
Accounts scored Low resolved on their own; collector capacity goes where action changes the outcome.
N = ~131,000 historical loan snapshots · live production institution · identity withheld under partner agreement
03 Put capacity where it counts Resource allocation · the scarcest asset is your team's time

Worked in DPD order, collector time spreads across every delinquent account, including the majority that would resolve on their own. Ranked by risk × exposure, the same team concentrates on the loans where action actually changes the outcome.

YOUR ACCOUNTS
top 5%
YOUR EXPOSURE
≈ 40%
"If your top 5% of accounts represent 40% of exposure, what would prioritization alone be worth?"
In production backtesting, 58% of low-tier accounts resolved on their own. Every hour spent there is an hour taken from the accounts that drive losses. Illustrative concentration; we map yours in a demo.
Prioritize the right work

Queues ranked by risk and exposure, not by days past due.

Reduce charge-offs

Earlier, better-targeted intervention on the accounts that drive losses.

Reduce the need for hiring

Absorb portfolio growth with the team you already have.

04 The math of earlier detection Illustrative · pick your annual charge-offs
If you charged off last year:
~$50,000a 5% improvement in early identification and prioritization
~$100,000a 10% improvement, before any time savings or workflow efficiency
~$150,000a 15% improvement across the portfolio
THE SECOND LEVER

Recovery & recoupment after the charge-off

Prevention isn't the only place the model earns its keep. On balances that do charge off, DefaultSleuth improves what comes back: earlier contact reaches members while options still exist, risk-ranked queues point collector effort at the dollars most likely to return, and structured dispositions mean no account falls through the cracks. Recovered dollars are tracked in-platform as Total Balance Saved.

+$10,000if you recover just 1% more of what charged off
+$30,000at 3% more, from prioritization and earlier engagement
+$50,000at 5% more, recovered, tracked, and reported

Every portfolio is different. These figures are directional, not a promise. In a demo, we model both levers against your actual charge-off and recovery history so the business case is yours, not a hypothetical.

AND FOR THE PEOPLE BEHIND THE LOANS
Earlier help

We surface risk before a payment is missed, so support starts early, not after damage is done.

More options, less harm

Earlier means fewer fees, fewer credit hits, and more flexible paths to stability.

Relationship-first outreach

A check-in, not a collections call, aligned with the credit union mission.

05 Common questions The questions we get on the first call
Is DefaultSleuth just a model?

No. The model is the engine, but DefaultSleuth is a full platform: risk-ranked work queues, structured dispositions, a 360° member and loan view, and portfolio dashboards, from detection through recovery.

What data do you need to start?

Loan, deposit, and transaction extracts from your core. We start with a minimum viable dataset and expand signals over time. CU*Answers and Jack Henry / Symitar environments are supported.

Do you replace our existing platform?

DefaultSleuth complements your core and outreach stack. What it replaces is spreadsheet-based tracking and manual reporting, not the systems your team relies on.

Will my data be secure?

Yes. DefaultSleuth is SOC 2 Type 2 attested, data is encrypted in transit and at rest, and models never use protected-class attributes. Full security documentation is available for due diligence.

Next step30 minutes · your portfolio · our screens
THE VAIIL PHILOSOPHY

“Fall in love with the problem, not the solution.”

It's how everything we ship gets built: DefaultSleuth, CU Fluent, and whatever comes next.

Ready to modernize?

A 30-minute demo against real workflows: detection, queues, and the reporting your board asks for.

Or email sales@defaultsleuth.com