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DataVisuals
Decision Pipeline Platform

Welcome to the Insight Graveyard

Where your credit union's best analytics go to die.

✝
R.I.P.Member Churn<br>Analysis2023 – 2023
✝
R.I.P.Loan Pricing<br>Optimization2022 – 2023
✝
R.I.P.Cross-Sell<br>Recommendations2024 – 2024
✝
R.I.P.Channel Migration<br>Report2023 – 2024
✝
R.I.P.Deposit Growth<br>Dashboard2024 – 2024
The Problem

Every organization has an insight graveyard.

Dashboards full of metrics. Reports that took weeks to build. Analysis that revealed something important. All sitting unused because there's no bridge from "now we know" to "now we decide."
Data products aren't the finish line. Decisions are.
✝
Q4 Member<br>Retention Report
✝
Branch ROI<br>Analysis
✝
Auto Loan<br>Risk Model
✝
Digital Adoption<br>Dashboard
✝
Fee Income<br>Opportunity Map
73%
of analytics insights

Never reach an actual decision.

Your credit union invests in data. We make sure that investment drives accountable action.

The Complete Arc

Most platforms stop at analytics. We close the loop.

⚠️ Most platforms stop here
Data
Ingest · Transform · Govern
Analytics
Visualize · Model · Predict
Decisions
Assign · Track · Audit
DataVisuals extends the complete arc — turning data into accountable decisions.

The Decision Pipeline

📊
Interactive Dashboard
→
📋
Executive Summary
→
🤖
AI Agent Interface
→
🔐
Accountability & Audit

10 Purpose-Built Applications

👥
Member Analytics
🎯
Product Penetration
⚖️
Risk & Compliance
📱
Channel Migration
🏆
Competitive Intel
💎
Member Lifetime Value
💰
Loan Analytics
📑
Regulatory Compliance
🔮
Predictive Analytics
🏦
Deposit Analytics

Turn Insights Into
Accountable Decisions

Built for credit unions · $50M – $500M
Schedule a Demo
8:1
Measured ROI
Tracked decision-to-outcome value
25%
Churn Reduction
Accountable retention campaigns
80%
Exam Prep Saved
Automated NCUA reporting
47/mo
Decisions Tracked
Accountable actions per month
The Insight Graveyard

Where Your Analytics ROI Goes to Die

Credit unions spend $50K–$150K annually on analytics tools. Reports get built. Dashboards get launched. And then... nothing happens. We call this the Insight Graveyard.

73%
of insights never reach a decision

The Insight Graveyard

Reports get built. Dashboards get launched. And then nothing happens. Insights die in slide decks, email threads, and quarterly reviews.

Decision Pipelines route every insight to an owner with an SLA, deadline, and outcome tracking.
0
decisions tracked at most credit unions

No Accountability Bridge

When you ask "how many decisions did analytics drive last month?" nobody can answer. There's no system connecting insights to actions.

Built-in decision lifecycle: Surfaced → Acknowledged → Action Taken → Resolved. No silent abandonment.
1-3
IT staff at a typical credit union

Resource Constraints

Credit unions need enterprise-grade analytics but can't afford $150K data scientists or $500K BI implementations.

Pre-built credit union data models, turnkey deployment, and managed cloud infrastructure. No data team required.
6 wks
average NCUA exam prep time

Regulatory Burden

Compliance teams spend weeks assembling evidence from scattered reports and emails for every examination.

Every decision is already tracked—who made it, when, based on what data, and what happened. Exam prep becomes a report.
The Complete Arc

From Insight to Outcome — Every Step Accountable

Decision Pipelines don't just show you what's happening. They create a tracked, assigned, time-bound decision stream that closes the loop from data to action to measured result.

💡

Surfaced

Insight detected
→
👤

Owned

Assigned to decision maker
→
⏱️

SLA Tracked

Deadline & escalation
→
⚡

Action Taken

Decision executed
→
📊

Measured

Outcome tracked
Four-Layer Architecture

Same Trusted Data. Four Distinct Interfaces.

The Decision Pipeline architecture transforms analytics from static reporting into accountable action. Every insight routes to an owner, every decision has an SLA, and every outcome is tracked.

Layer 1

Interactive Dashboard

Analyst · 30–60 min

Full data exploration with drill-down capabilities and chart-level insights.

Layer 2

Executive Summary

Executive · 2–5 min

Print-ready strategic overview with status indicators and recommendations.

Layer 3

AI Agent Interface

All Users · Variable

Natural language queries with context-aware, semantically governed responses.

Layer 4

Schema & Semantic Layer

Data Steward · Variable

Machine-readable contracts ensuring consistent definitions and API governance.

Every decision has an owner and deadline
Full audit trail from insight to outcome
Consistent definitions across all interfaces
YAML configuration, not code changes
Configuration-Driven

Business Logic Lives in YAML, Not Code

Domain experts modify thresholds, add decision types, and adjust escalation rules without developer involvement. Every change is auditable and versioned.

  • Thresholds and triggers adjustable by business users
  • Consistent definitions across all four interfaces
  • Rapid adaptation to regulatory changes
  • Clear audit trail for compliance
  • Pre-built for Symitar, Corelation, DNA cores
# Decision Pipeline Configuration
decision_types:
  - id: delinquency_intervention
    trigger: "delinquency_rate > 1.5%"
    owner: collections_manager
    sla: 24_hours
    escalation:
      - role: collections_supervisor
        window: 8_hours
      - role: cro
        window: 24_hours
    actions:
      - early_contact_campaign
      - payment_plan_offer
      - account_review
The Difference

Dashboards Show What Happened. We Make Sure Someone Does Something About It.

The issue isn't a lack of analytics capability. It's that traditional tools stop short of where value is realized: the decision itself.

Traditional Analytics

  • Dashboards show what happened
  • Insights discovered manually
  • No clear decision ownership
  • Metrics mean different things in different tools
  • No tracking of whether insights led to action
  • "When they check" response time

Decision Pipelines

  • Insights route to decision owners
  • SLAs ensure timely response
  • Clear accountability at every stage
  • Semantic layer ensures consistency
  • Outcomes tracked and measured
  • Defined response windows with escalation
10 Purpose-Built Applications

The Complete Decision Pipeline Suite

Each application implements the full four-layer architecture — from interactive dashboards to AI agents to semantic governance. Pre-built for credit union data models.

👥

Member Analytics

Deep Insights into Member Behavior & Lifetime Value
Reduce churn by 25% with accountable retention campaigns.
  • Member Segmentation & Clustering
  • Behavioral Pattern Analysis
  • Lifetime Value Prediction
  • Churn Risk → Intervention Routing
📊

Product Penetration

Maximize Cross-Sell & Product Adoption
Increase products per member to 4.0+ with targeted campaigns.
  • Product Holdings Matrix
  • Cross-Sell Opportunity Scoring
  • Campaign Management Pipeline
  • Wallet Share Tracking
🛡️

Risk & Compliance

BSA/AML Monitoring & CAMEL Risk Management
96%+ BSA/AML compliance with 4-hour fraud response SLAs.
  • BSA/AML Compliance Monitoring
  • CAMEL Component Rating Tracking
  • Fraud Detection & Prevention
  • SAR/CTR Filing Workflows
📱

Channel Migration

Optimize Digital Adoption & Branch Performance
Drive digital adoption to 70%+ and cut transaction costs $2-5.
  • Channel Usage Pattern Analysis
  • Digital Adoption Tracking
  • Branch Optimization Pipeline
  • Cost per Transaction by Channel
🎯

Competitive Benchmarking

Know Your Market Position & Outperform Peers
Set targets based on NCUA peer data with competitive responses.
  • NCUA Call Report Peer Comparisons
  • Market Share Analysis
  • Performance Gap Analysis
  • Strategic Positioning Insights
💎

Member Lifetime Value

Forecast Future Value & Optimize Investments
Predict member value with 85%+ accuracy and prioritize retention.
  • ML-Powered LTV Prediction
  • Value Segment Classification
  • Churn Intervention Pipeline
  • ROI Forecasting & Tracking
💰

Loan Analytics

Revenue-Critical Portfolio & Delinquency Management
Reduce charge-offs 15-20% and improve yield by 0.3-0.5%.
  • Portfolio Performance Tracking
  • Delinquency Intervention Pipeline
  • Competitive Pricing Optimization
  • Charge-Off Prevention Analytics
📋

Regulatory Compliance

NCUA Exam Readiness & Automated Call Reporting
Reduce exam prep time by 80% with continuous compliance.
  • NCUA Call Report Automation
  • Capital Adequacy Monitoring
  • CAMELS Score Tracking
  • Filing Deadline Management
🔮

Predictive Analytics

AI-Powered Forecasting & Advanced Modeling
Forecast member growth and intervene before attrition.
  • Member Behavior Forecasting
  • Attrition Intervention Pipeline
  • Scenario Planning & What-If
  • Cross-Sell Propensity Scoring
💵

Deposit Analytics

Reduce Runoff & Optimize Rate Strategy
Reduce deposit runoff 10%+ and achieve 39:1 ROI.
  • Deposit Retention Analysis
  • Rate Adjustment Pipeline
  • At-Risk Deposit Identification
  • CD Maturity Campaign Management
What Leaders Are Saying

Built for How Credit Unions Actually Work

Leaders at mid-market credit unions describe the transformation from static reporting to accountable decision-making.

We went from 20+ hours of manual reporting per week to real-time dashboards with clear ownership. Our board presentations changed overnight.
VP of Analytics
$320M Asset Credit Union
The Decision Pipeline forced us to assign owners to every insight. Within 90 days, our decision completion rate went from 30% to 85%.
Chief Data Officer
$180M Asset Credit Union
NCUA exam prep used to take us six weeks. Now it takes five days. The regulatory compliance module alone justified the entire platform.
Chief Risk Officer
$450M Asset Credit Union
Our Story

30 Years of Turning Data Into Decisions

DataVisuals was founded on a simple observation: credit unions invest heavily in analytics, then watch as insights die in slide decks and email threads. After three decades in data architecture — at Miller Brewing, Harley-Davidson, and five years in Silicon Valley serving financial services — we kept seeing the same pattern.

Organizations invest in beautiful dashboards, generate impressive reports, and then nothing changes. The problem isn't the analytics. It's the accountability gap between insight and action. So we built something different.

Every metric, every threshold, every decision workflow was designed specifically for how credit unions actually operate. This isn't a generic BI tool adapted for financial services — it's a Decision Pipeline platform built from the ground up for credit unions in the $50M–$500M range.

30 Years Data Architecture Enterprise Financial Services NCUA Regulatory Expertise Core System Integration ML & Predictive Analytics

Stop Burying Insights. Start Making Decisions.

See how the Decision Pipeline platform transforms your credit union's analytics from static reports into accountable outcomes. 20 minutes with real credit union data — that's all we need.

Schedule a Demo Connect on LinkedIn
No commitment required · Personalized to your credit union · 20 minutes