Information you need

from data you have


We enable Credit Unions and Banks to grow core deposits and loans

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Our "secret sauce" is customer / member cash flow behavior analysis

  • New Money Sales and Incremental Cross Sales
  • Lost Money Attrition including Partial Attrition
  • Product Substitution
  • Normal Variability

 Sales, Cross-Sales, Attrition, Retention and Product Substitition in Banks and Credit Unions


 This is how we do it

  • Just six fields of data

    A static snapshot of balances at the account level is all the data you need.

  • Encrypted for security

    Encryption enables SAAS processing that never touches PII or SPI data.

  • Patented analytical method

    Our patented analytics derive and classify money flows at the account level.

  • Modern Business Intelligence

    75+ pre-built visualizations in Microsoft Power BI - or the BI tool of your choice.

  • Expert advice and support

    We help our clients realize value from our tools, with expert advice and support, often at no charge.

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Over 100 years of service to Credit Unions and Banks

  • Dave is a Banker, Strategist and creator of the FlowTracker analysis framework. He is our business leader, primary evangelist and lead advisor to Financial Services Executives.
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  • Mary brings a rich history as an Executive Consultant in Strategy & Analytics, Program and Portfolio Management and Financial Services to FlowTracker Analytics.
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  • Boris is a Business Transformation professional with a deep background in customer experience, operational strategy and change management in the Financial Services Industry.
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  • Paul is an IBM Certified Senior Solutions Architect, who has worked on many Financial Services clients. He is responsible for all technology and data management aspects of the business.
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We're a Microsoft Cloud Services Partner and can service your licensing needs for Cloud Services. Our pre-built Business Intelligence package leverages the cost-effective, industry leading Microsoft Power BI platform.


OnApproach delivers standardized data warehousing and analytics capabilities to the Credit Union industry, leveraging the CUFX standards developed by the industry.

CU App Store

The CU App Store showcases leading analytics applications designed for the Credit Union Industry, leveraging CUFX interface standards and M360 data model. FlowTracker Analytics SaaS and FT Cryptor are available at the CUAS.
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