Alkami expands Texoma credit union digital platform

Alkami has expanded its relationship with Texoma Community Credit Union to include its full Digital Sales & Service Platform, extending an existing digital banking partnership.

Texoma, based in Wichita Falls, Texas, already uses Alkami's Digital Banking Platform and is now implementing MANTL Onboarding & Account Opening alongside Alkami's Data & Marketing Solution.

The expansion follows an initial digital banking launch that drove strong early member take-up and higher online activity. More than 50% of Texoma members adopted the new platform within two weeks of launch, while online banking transactions rose 8.9% year on year in the first six months.

Over the same period, online banking's share of transactions across online, branch and phone channels increased from 53.0% to 67.8%.

The figures point to a broader shift in how members interact with the credit union, with digital channels playing a larger role in day-to-day banking. For a community lender serving Wichita County and 18 surrounding counties, the latest phase focuses on linking account opening, digital banking and member communications more closely.

That approach reflects a wider trend among local and regional financial institutions seeking to improve digital access without weakening in-person relationships. Credit unions have faced pressure to match the online services offered by larger banks while maintaining their local identity and service model.

Texoma has operated since 1953 and describes itself as a community-focused financial cooperative. The broader set of tools is intended to support member interactions from account opening through ongoing financial management and outreach.

Adoption metrics

Early usage data offers a snapshot of how quickly members moved to the new system after launch. Crossing the 50% adoption mark within a fortnight suggests a large share of Texoma's membership was willing to switch channels rapidly once the updated service became available.

The rise in online banking's share of all transactions also indicates that members are carrying out more routine activity digitally rather than through branch or phone channels. That can affect staffing, service design and marketing priorities for smaller institutions that have traditionally relied heavily on physical locations and direct local contact.

Angie Ohmstede, Chief Operating Officer at Texoma Community Credit Union, described the initial platform change as worthwhile and cast the latest rollout as the next stage of the project.

"Was it worth us converting to a new digital platform? Absolutely. 100%. I would do it again," said Angie Ohmstede, Chief Operating Officer at Texoma Community Credit Union.

"The launch has given us a strong foundation as we continue adding capabilities to create an even more connected digital experience for our members," Ohmstede said.

Next phase

MANTL Onboarding & Account Opening is being introduced to reshape the account-opening process, while the data and marketing product is intended to help Texoma use member information for more targeted campaigns and communications. Together with the existing digital banking platform, the tools are designed to cover more of the member relationship.

For vendors serving banks and credit unions, cross-selling additional software into existing customers has become an important route to growth. Institutions that have already completed a digital banking conversion may be more willing to add surrounding systems for onboarding, engagement and marketing if early performance data is favourable.

Benjamin Conant, Chief Product and Technology Officer at Alkami, said Texoma's experience showed how a smaller community lender could build on an initial platform change.

"Texoma is showing how a community-focused credit union can use a successful digital banking launch as a starting point for its evolving digital strategy," said Benjamin Conant, Chief Product and Technology Officer at Alkami.

"We are excited to support Texoma as it expands toward the connected Digital Sales & Service Platform, helping the credit union build on that momentum as its digital strategy evolves," Conant said.