Multi-Issuer Asset-Backed Securitization

Accessing capital markets can be a significant hurdle for individual credit unions. Traditional barriers like minimum deal sizes, fixed issuance costs and operational complexity can place securitization out of reach, limiting liquidity and growth potential. Alloya’s multi-issuer asset-backed securitization (ABS) program offers a path forward by harnessing the Power of Cooperation, helping credit unions join forces to achieve scale, access cost-efficient funding and preserve their ability to continue lending to members.

In July 2025, Alloya facilitated the credit union network’s first-ever multi-issuer prime auto loan ABS, working alongside three member credit unions. The transaction was backed by a diversified pool of auto loans, structured to optimize investor appeal while maintaining strong credit quality and sold to broad investor interest with the tranches three to five times oversubscribed.

Now, Alloya is building on that success, creating a repeatable, scalable path for large credit unions to access the securitization market. From strategic advisory to structuring, execution and ongoing monitoring, Alloya provides hands-on support throughout the process, helping credit unions navigate what has traditionally been a complex balance sheet management tool.