The competitive landscape is shifting. Members have more options than ever.
Credit union membership growth hit its lowest point since 2011 in 2025. At the same time, a significant share of every institution's member base carries subprime credit scores. Most institutions don't have a way to serve them.
of federally insured credit unions saw membership decline in 2025
Source: Tyfone
Members who "strongly agree" their institution helps improve their financial health
Source: FHN Study
Embedded credit building. Turn the gap into a growth engine.
Kikoff plugs into your digital banking experience in weeks and starts moving scores from day one.
Three returns in one investment.
Be the institution behind the milestone
Credit-building is a marathon. When it happens inside your platform, you become the place members associate with their financial progress.
Unlock loan revenue from members you already have
A meaningful share of your member base wants to borrow but can't qualify. Kikoff helps lift those credit scores creating a pipeline of newly loan-eligible members.
Stickier members, more referrals
Credit monitoring and credit-building tools create regular return behavior and expanded referral networks.
Enterprise-grade credit features, live within weeks.
Integrate
Connect via Kikoff's API. White-glove onboarding, sandbox testing, and compliance infrastructure included.
Reporting goes live
End users opt in inside your platform and their data starts flowing to the credit bureaus.
Kikoff handles the rest
Customer servicing, ongoing payment capture, and bureau partnerships. Your team stays focused on your product.
# Enroll a member in credit building curl https://api.kikoffcloud.com/v1/members/enroll \
-H "Authorization: Bearer $API_KEY" \
-d '{
"member_id": "usr_abc123",
"product": "credit_building",
"white_label": true
}' # Response: 201 Created {
"account_id": "acct_xyz789",
"status": "active",
"bureau_reporting": ["equifax", "experian", "transunion"]
}
Help your members grow & build a stronger institution with Kikoff.
Partnering with us means you focus on what you do best and let us do the building. Full, customizable functionality under your native brand experience.