FOR CREDIT UNIONS & EMPLOYERS

Are your people actually healthier?

You need a through-line from measuring your people's financial health to proving which investments are actually improving it. That through-line is the financial health lifecycle.

Let's look at your program →
The problem

Your board expects proof your programs work. Your systems can't produce it.

Maybe you're already running assessments, coaching, education, and counseling — but they live in different systems and can't talk to each other. Or maybe you're offering programs but haven't had a way to measure financial health at all. Either way, the question is the same: is any of this actually working?

1
Diagnosis
Score sits in a system
2
Routing
Ad hoc or nonexistent
3
Intervention
Happening, untracked
4
Reassessment
Manual table-crossing
5
Proof
A board slide with an average

What you need is a through-line. A single platform that connects diagnosis to routing to intervention to reassessment to proof. That's Attune.

Trusted by financial institutions including:
BECU Credit Human Virginia CU Golden 1 Wright-Patt Redwood CU Meritrust
The through-line

Five stages. One record per person.

Every institution that operationalizes financial health discovers these same five stages. We didn't invent the lifecycle — we named it. And Attune connects it: "this person's FinHealth Score® is 42" to "we recommended coaching and emergency savings" to "they completed 3 sessions" to "their Score improved to 58."

1
Diagnosis — What do we know? LIVE
Validated FinHealth Score® assessment across 4 pillars and 8 indicators. Population analytics, individual scores, and configurable instruments.
  • FinHealth Score® — rigorously validated across Spend, Save, Borrow, Plan. Built inside FHN.
  • White-labeled experience — branded to your organization, delivered via email, portal, or API.
  • Admin dashboard — response rates, aggregate scores, tier breakdowns, demographic filters.
2
Routing — What should happen? LIVE
Connect each person to the right next step based on their diagnosis — not a generic resource page, but a specific recommendation.
  • Personalized recommendations — based on score, pillar breakdown, and organizational resources.
  • Provider directory — education, counseling, coaching, benefits enrollment, retirement planning, and employer programs — all in one place.
  • Configurable rules — your program, your routing logic. Attune makes it visible and trackable.
3
Intervention — Did it actually happen? LIVE
Track whether the routed action actually happened — not just that it was offered, but that someone showed up.
  • Cross-channel tracking — coaching sessions, education completions, benefits enrollment, counseling referrals, and program participation.
  • Personal dashboard — each person sees their score, recommendations, and progress.
4
Reassessment — Did it work for this person? LIVE
Same instruments, after intervention — so you can measure what actually changed for each person, not just the group.
  • Individual longitudinal tracking — follow the same person over time with matched pre/post scores tied to specific interventions.
  • Pre/post comparison — "the 120 people who took it both years improved by 4 points."
  • Research-grade methodology — sampling plans, survey waves, weighting. PhD-level rigor.
5
Proof — Can we prove it at scale? LIVE
Turn everything upstream into evidence your board and funders can act on — not a data dump, but a proof story.
  • Benchmarking — compare your population to peers, your industry, or a custom-matched panel.
  • Insights presentations — we translate the data into a story your leadership can act on.
  • Board-ready reporting — self-service population outcomes, score distributions, tier breakdowns, and trend lines.
How to start

Start with what you need. Grow from there.

Start with what fits your program today — adjust as your needs evolve.

Foundation

Diagnosis

  • FinHealth Score® assessment
  • White-labeled survey
  • Admin dashboard
  • Custom questions
  • Onboarding support
Program

Routing + Intervention

  • Personalized recommendations
  • Employee/member hub
  • Personal dashboards
  • Coaching connections
  • Financial journaling
Evidence

Reassessment + Proof

  • Longitudinal tracking
  • Benchmarking
  • Insights presentations
  • Research design
  • Board-ready reporting
  • Custom analysis
Ecosystem

Data Connections

  • HRIS integration
  • Education platform sync
  • Custom integrations (core banking, counseling services, etc.)

Pricing based on population size, scope of integrations, and depth of research. Talk to our team for a tailored proposal.

Published evidence

Financial health predicts business outcomes.

Financial health isn't just good for people — it's a business driver with published evidence.

32%

Higher product adoption

Virginia CU proved that financially healthy members show 32% higher product adoption — and gravitate to high-margin products (CDs: 16% vs 2%, mortgages: 13% vs 0%).

FHN Impact Story, Dec 2025
5×

Cross-sell interest

Customers who believe their FI supports financial health are 5× more likely to purchase additional products.

FHN FinHealth MAP Report, 2021
3×

More satisfied, more loyal

80% of customers expect their FI to support financial health, but only 14% feel it happens. Close the gap: 3× satisfaction, 2× retention.

FHN FinHealth MAP Report, 2021
Heritage

Built on a decade of financial health research.

The Financial Health Network defined the field of financial health — the frameworks, the research, the measurement methodology used by hundreds of organizations worldwide. Then they built Attune to turn that research into technology. FHN still owns nearly half the company and holds half the board seats. When you work with Attune, you're working with the people who wrote the playbook.

2016
FHN invents the FinHealth Score®.
2020
FHN builds Attune as the technology platform.
2023
Attune becomes independent. FHN keeps the stake and the science.
2026
FHN refines FinHealth Score® v1.1. Attune ships it.
The next step

Your board is asking if the program works. Let's give them an answer.

The best next step is a 30-minute working session where we dig into your current program — what tools you're using, what you're measuring, where the gaps are. No pitch deck. Just a conversation.

Book a Call