Digital Account Opening ROI Calculator
Same marketing spend.
More completed accounts.
Raising application completion rate doesn't require more top-of-funnel spend — it means more of the traffic you're already paying for turns into funded accounts. Adjust the assumptions to match your own credit union.
Assumptions
Industry median runs ~0.10% of assets — about $2M for a $2B credit union.
Top-of-funnel volume your marketing already generates — held constant in this model.
Blended deposit + loan relationship value at account opening.
Completed accounts — today
8,750
at 35% completion
Completed accounts — improved
13,750
at 55% completion
Cost per completed account — today
$229
Cost per completed account — improved
$145
-36.4% CAC
Additional value unlocked — zero extra marketing spend
$75,000,000
5,000 more completed accounts × $15,000 avg. value
The Funnel — Same Mouth, Wider Outlet
Applications started (unchanged)25,000
Completed — at 35%8,750
Completed — at 55%13,750
Model: applications started is treated as a function of marketing spend and held constant across both scenarios — completion rate only changes what happens after the application begins, so no incremental marketing dollars are required to capture the gain. Default assumptions (0.10% of assets on marketing, ~$15K blended relationship value per new account) are illustrative industry benchmarks, not a specific credit union's actuals — swap in real figures for a live presentation.