EDGE Company Stability & Growth

What metric/milestone best captures strength this year?

The clearest validation of EDGE’s strength comes from measurable outcomes. Magnolia FCU has expanded lending to members with credit scores as low as 450 while outperforming peer credit unions in both delinquency and charge-off rates. They also removed tax returns from nearly all consumer loan applications, cutting verification time from days to minutes and increasing decision speed across their team. These results show that when lenders use cashflow analytics to evaluate true ability to pay, they can safely approve more members, reduce manual work, and achieve stronger portfolio performance. The data speaks for itself.

Where are you strongest competitively — and what proof backs that?

EDGE is strongest where friction matters most. Our loan origination system integrations, direct core integrations and open banking partnerships, including MX, give credit unions a way to access member data without relying on credential-based connections that often cause abandonment. That low-friction design is a real competitive differentiator: Magnolia FCU was live in just two weeks, and lenders now verify income instantly without paystubs or manual calculations. The result is a faster, cleaner member experience and underwriting that’s both more accurate and more inclusive. When you combine that simplicity with CRA-grade compliance and real-time cashflow intelligence, it becomes clear why credit unions view EDGE as a modern alternative to legacy vendors.

What expansion bet excites you — and what leading indicator will you watch?

Our most exciting expansion bet is taking cashflow analytics beyond underwriting and embedding it directly into servicing and collections. Continuous, real-time cashflow signals give lenders the ability to spot member hardship before any delinquency appears, which strengthens relationships and protects portfolios. We also believe cashflow underwriting itself is becoming a mainstream method for determining loan eligibility, no longer a niche idea or a supplement to a credit score. 

Since we began championing this approach, it has moved from being relatively unknown, to widely discussed, to something the largest players and even the major credit bureaus have begun incorporating. The leading indicator we are watching is the percentage of partners who adopt always-on cashflow monitoring as a core operational practice. As more institutions rely on real-time financial behavior rather than historical static snapshots, the future of lending becomes more accurate, more inclusive and more resilient.