Vendor selection for credit unions
Choose vendors you can defend to your board and examiner.
Tell us what you need. We research 500+ vendors, check each one against your core and send a shortlist, reviewed by an expert, with the evidence behind every pick. It starts with one email, and credit unions pay nothing.
Sam from Dilly Labs replies by email and runs the evaluation from there. Prefer a workspace? Sign in to the platform.
ATO and transactional fraud
Five needs, a Symitar core, budget up to $150,000 and a decision this quarter. Prepared by Sam; reviewed by an expert before it was sent.
| # | Vendor | Why it is here | On Symitar |
|---|---|---|---|
| 1 | Vendor A | Device and behavioural signals at login; fits online banking | |
| 2 | Vendor B | Real-time ACH and wire decisions; device signals at login through a partner | |
| 3 | Vendor C | Broad platform; ACH decisioning not yet shown to us | |
| 4 | Vendor D | Strong payee-change detection; smaller team |
Ruled out: Vendor F, card and check fraud only; Vendor G, no credit union on Symitar.
When a board member asks how a vendor was chosen, the rationale usually lives in someone's memory is a brief anyone can read.
Most evaluations start with whoever called last. Ours start with your requirements, compare every credible vendor against them and write down why each one made the list or missed it.
One thread, start to shortlist
No account, no portal, nothing for IT to approve. Copy colleagues and they see everything you see.
- Mon 09:12You“ATO losses doubled this year. Board wants options by end of quarter.”
- Mon 09:20Sam, Dilly LabsFour questions that change the answer, in one list: size, channels, core, timeline.
- Mon 11:40You“$1.2B, online and ACH, Symitar, deciding in Q1.”
- Tue 15:30Sam, Dilly LabsFive ranked vendors, two ruled out, with Shortlist brief.pdf and Comparison matrix.xlsx attached.
- Wed 08:30You“Put decision engines first.” The list re-ranks in the same thread.
Sample thread. Your first shortlist arrives within 1 to 2 business days of your answers, once an expert on our team has approved it.
Checks fit with your core before any demo.
Tell us your core once. Every vendor on your shortlist shows whether your core provider lists it, whether our team has confirmed it with a credit union, or whether only the vendor says so.
| Your core: Symitar | Status | Proof |
|---|---|---|
| Vendor A | Provider listing, Nov 2026; our reference calls | |
| Vendor B | Vendor says; not in Jack Henry's listing | |
| Vendor C | Fintech Integration Network, Nov 2026 | |
| Vendor D | Not listed; we have asked the vendor |
Sample data. Highlighted: listed by the core provider, or confirmed by our team with a credit union. Dotted: the vendor's claim. Not confirmed doesn't mean it can't work.
Documents your committee already knows how to read
Both arrive in the thread. Download the samples: shortlist brief (PDF) and comparison matrix (XLSX).
| Your requirementa | Vendor A | Vendor B | Vendor C | Vendor D | Vendor E |
|---|---|---|---|---|---|
| Device and behavioural signals | Partial | None | |||
| Real-time ACH decisioning | Partial | None | Partial | ||
| Symitar integration | Listed | ||||
| SOC 2 Type II | Yes | Yes | In progress | Yes | |
| Pricing basisb | Per account | Per txn | Platform fee | Per account |
- aYour requirements are the rows.
- Not a vendor's feature list.
- bGaps stay visible.
- Missing information is marked, never filled in for the vendor.
- 1Highlighted cells cite a source.
- Dotted ones are the vendor's own claim.
The shortlist is where it starts.
Everything after it runs in the same place, so the record of the decision stays in one place too. Bring your team in by invitation or single sign-on.
See the workspace| Stage | What happens |
|---|---|
| RFP | We draft it from your requirements. You choose who to invite; vendors respond in their portal. |
| Proposals | Side by side, with pricing compared and your team's scores against each requirement. |
| Decision | A record of who you considered, how each scored and why you chose. |
| Contract | Renewal dates with reminders, invoices, and usage checked against what you pay. |
| Your stack | Which needs your current vendors cover, and where the gaps are before the next evaluation. |
| Reviews | Read what other credit unions say about a vendor, and add your own. |
Member of a league or CUSO? Some networks offer Dilly Labs to their members under their own name. See membership organizations.
Independent, and we show our work.
We work for the credit union. The decision stays with your team; we make sure it is a decision you can explain. An expert on our team approves every shortlist before it reaches you.
Read our method- Email only
- Nothing to install and no new site for IT to approve.
- A record for your examiner
- Which vendors you considered, what you required, why you chose.
- How we rank
- Fit to your requirements first, then fit with your core, then the strength of the evidence.
- Who pays
- Credit unions never pay. Vendors pay only to join the Partner marketplace, and paying never changes where a vendor ranks.
Built on real procurement activity.
$1M+ in vendor decisions influenced, 500+ vendors in the catalog and 700+ institutions in our lead partnership network.
| Client | What happened | Result |
|---|---|---|
 | Payoneer evaluated 8 decision engine vendors and reached a successful POC in under 6 weeks. | 6wks |
 | Cashco unified three separate procurement motions to one vendor outcome eliminating technical bloat and vendor management chaos. | 3→1 |
 | Baselane identified a 40% cost reduction by benchmarking 5 decision engines alternatives against their incumbent provider. | 40% |
 | Rivet went from zero to a signed vendor contract in 4 weeks — with no procurement team. | 4wks |
 | Obligo partnered with Dilly Labs to source AI agents for their platform for the first time — transforming collections and customer service with intelligent voice agents. | 1st |
The directory
495 vendors, by category, with capability coverage, pricing indicators and reviews from other credit unions. Open to everyone; nobody pays to rank higher.
Browse the directoryQuestions credit unions ask first
What does it cost us?
Nothing. Vendors are listed free; a vendor pays $6,000 a year to be offered in the Partner marketplace. Paying never changes where a vendor ranks.
Who sees our requirements?
You, the people you copy and the Dilly Labs team running your evaluation. Vendors see nothing until you ask us to contact them.
Do we need to sign or install anything?
No. The evaluation runs by email from a work address.
Can we work in a web workspace instead?
Yes. Sign in to the platform to run evaluations, compare vendors and keep the record in one place. Email works on its own if your IT blocks new sites.
Who reviews the shortlist?
An expert on our team reads and approves every shortlist before it is sent. Your first shortlist arrives within 1 to 2 business days of your answers.
What if the right vendor is not in your directory?
Name it in the thread and we research it before we rank it.