Customer Success Story
Space Coast Credit Union generates $19.4 million in direct auto loans and $43.1 million in credit card value in a single quarter
How Space Coast Credit Union transformed targeted member engagement into scalable growth
Headquarters: Melbourne, FL
Branch locations: 68
Members: 685,000+
Managed assets: $9 Billion
The challenge
Generic outreach left opportunity on the table
As Florida’s third largest credit union, Space Coast Credit Union has built its reputation on being a financial watchdog for more than 685,000 members. When it came to growth, the credit union knew it had a problem hiding in plain sight. Its existing membership base represented a significant untapped opportunity, but they didn’t have the tools to reach them.
Marketing teams relied on broad segmentation and manual analysis, making it difficult to identify which members actually qualified for loan and credit offers. Campaigns were time-consuming to build, hard to optimize, and nearly impossible to measure with confidence. Without behavioral triggers or closed-loop reporting, the credit union had limited visibility into channel performance or true campaign ROI, leaving decisions driven more by intuition than evidence.
The solution
MeridianLink Engage
Space Coast Credit Union implemented MeridianLink® Engage to shift from broad outreach to targeted, data-driven pre-approval campaigns. Using consumer insights to identify qualified members, the team deployed personalized URLs (PURLs) with pre-filled applications across coordinated direct mail and email channels. A/B testing helped optimize channel timing and performance.
Why Space Coast CU selected MeridianLink Engage
Proven ability to drive high-volume acquisition, including 2,200+ new credit card openings per quarter.
Significant lending impact, generating $19.4M in direct auto loan funding across 639 loans in Q1 2025.
Strong omnichannel conversion performance, with ~60% PURL engagement shifting to online banking and direct mail contributing ~20%.
The results
High performance member engagement that scales
MeridianLink Engage gave Space Coast Credit Union a clear line of sight between marketing activity and business results. Credit card penetration increased meaningfully, with card value reaching $43.1M in Q2 2025, and auto loan balances remained strong across quarters.
It also enabled the credit union to establish a repeatable cross-sell framework that reduced manual effort and improved offer relevance. Staggering direct mail and email delivery strengthened conversions, and simplified QR codes drove measurable increases in new credit card accounts and auto loans. With closed-loop performance tracking in place, the marketing team can make data-backed decisions on every future campaign.
With Engage added to its MeridianLink platform, Space Coast Credit Union evolved member re-engagement from a periodic effort to an ongoing competency.
