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Kevin Mercer
#519903Consumer Bowling Green kevin.mercer@example.com (419) 555-0190
Credit648
Cards1(no credit)
Total deposits$1431 share account
Total loans$14,2801 loan
Products3across the relationship
Member since20215 years
Shares & Deposits
SAVINGS · decoded via AccountTypeNames
| Account | Type | Rate | Last activity | Balance |
|---|---|---|---|---|
| Free Checking | Checking | 0.00% | Sep 29, 2026 | $142.87 |
Loans
LOAN · servicing + delinquency from LoanDefaults
| Loan | Rate | Payment | Next due | Status | Balance |
|---|---|---|---|---|---|
| Auto — 2020 Civic | 7.10% | $388 | Sep 20, 2026 | 15 days past due | $14,280 |
Cards
CARD · PAN shown last-4 only (PCI)
debit · Visa ···· 6628
Recent Activity
ACTIVITY · unified across every product
Sep 29, 2026
Debit purchase — SPEEDWAY
Free Checking
−$38.00
Sep 5, 2026
Auto payment (last cleared)
Auto — 2020 Civic
−$388.14
Sep 2, 2026
NSF fee
Free Checking
−$32.00
Opportunities
3Signals Lenny surfaced from this member's Symitar records. Each one shows its reasoning.
No credit cardOpportunity
Deep member, no Superior credit card
Borrows and banks here but carries no CU card — a natural next product.
Delinquency watchWatch
Auto 15 days past due
Prioritize outreach — early contact is the difference between a cure and a charge-off.
Not primary FIWatch
No direct deposit on file
Likely banking elsewhere as primary — winning the payroll switch anchors the relationship.
Credit & Risk
CREDREP · CPWORKCARD
648credit score
DelinquentIn collectionsNo direct deposit
Notes
COMMENT · NOTE
Collections queue·Oct 2, 2026Collections
Auto 15 days past due. Left voicemail re: payment arrangement. No direct deposit on file — outreach via mobile.