Skip to main content
    constant.ai

    Delinquency Shield

    Stop the Roll to 60.

    Nia reviews each person’s account and history, follows your policies, and delivers the solution your best collector would offer.

    Listening

    Example conversation

    1. Alex: Hey Nia, my hours got cut at work. I can't make my car payment.
    2. Short-term. Your rules hold settlement and surrender for later.
    3. Nia · Fabulous Credit Union: I'm so sorry to hear that, Alex. I see you usually pay on time, so let's find something that works. Can you pay anything in the next two weeks?
    4. Alex: Not until my hours come back next month.
    5. Hours come back next month. Your rules treat this as a short setback, so 7 tools don't fit.
    6. Nia · Fabulous Credit Union: I understand. Okay, I'd suggest a 60-day deferment. It brings your account current. There's no fee. Want me to set it up?
    7. Your policy allows a 60-day deferment. Extend/defer is the best fit.
    8. Alex: That would be amazing!
    9. Nia · Fabulous Credit Union: Here are the terms. You agree as follows: Two loan payments will be deferred. Payments move to the end of the loan. Interest continues to accrue. Would you like to do this?
    10. Alex: Yes, please.
    11. Result: Extend/defer payment. Alex's loan: Deferment applied. Posted to the core.
    12. Nia · Fabulous Credit Union: All set, Alex. Your loan is now current so you can breathe a little easier. I'm here anytime you need me!

    Trusted by financial institutions like

    • MSU Federal Credit Union
    • InTouch Credit Union
    • Lithia Motors
    • Vantage West Credit Union
    • Center Parc Credit Union
    • Credit Union Loan Source
    • 3Rivers Credit Union
    • Chartway Credit Union
    • Municipal Credit Union
    • Legacy Credit Union
    • Public Service Credit Union
    • MembersOwn Credit Union
    • Guadalupe Credit Union
    • Armstrong Bank
    • Credit Union 1
    • SouthPoint Financial Credit Union
    • Driveway
    • County FCU
    • cPort Credit Union
    1 in 4

    1 in 4 credit unions with more than $500 million in assets set aside more for loan losses than they kept in net income in the first half of 2026.

    Source: NCUA 5300 Call Reports, June 2026.

    Here's how it starts

    Why 60 days past due matters

    What happens when a person can't pay?

    Most automated tools send reminder after reminder, each asking for a payment or a promise. If a person can't pay, the loan goes to a collector. The collector checks the toolbox for the right fix. Implementing that can take days or weeks. Meanwhile, the loan keeps rolling.

    Most tools

    1. Loan due date.
    2. Automated reminders, each asking for a payment and/or a promise.
    3. Can't pay, so it goes to a human collector.
    4. The collector searches the toolbox: Skip a pay, Extension / deferment, Payment plan, Loan modification, and more. Takes days, sometimes weeks.
    5. Day 60.
    6. Notice to cure or repossession notice. Can go out before day 60, but almost always goes out after.
    7. Report to the board. Usually triggered at 60 days past due.
    8. Regulatory reporting. More reporting to file.
    9. Heading toward charge-off. Loan loss reserves increase.

    While the collector is working to resolve the delinquency, the loan keeps rolling.

    With Nia

    1. Loan due date.
    2. Automated reminders requesting a payment and/or a promise along with a link for payment assistance.
    3. Can't pay? Nia delivers relief right then, if eligible. The same toolbox, all offered inside 60 days: Skip a pay, Extension / deferment, Payment plan, Loan modification, and more. Nia picks Extension / deferment. Fixed in the same conversation.
    4. The loan is shielded from reaching 60 days past due.
    5. Day 60: none of this happens. Notice to cure or repossession notice, Report to the board, Regulatory reporting, Heading toward charge-off (Loan loss reserves increase).

    With Nia, help can start right away, so the loan doesn't have to roll.

    How it works

    Your programs already exist. Now Nia puts them to work.

    Nia understands each person’s situation, follows your credit union’s policies, and delivers the right relief in the moment.

    • Understands the situation, not just the balance

      Nia reviews account history, reads between the lines during conversations, and spots when someone genuinely needs help. Instead of repeating demands for payment, she recognizes what is possible and treats each person with respect and empathy.

    • Finds and negotiates the best solution

      Nia does not stop at asking for money. She personalizes conversations, digs into the hardship reason and duration, and negotiates realistic payment arrangements and delivers payment assistance when a person cannot pay.

    • Processes assistance directly into your core

      Intelligence means finishing the job. When the right solution is found, Nia updates loan terms, processes the relief option, and posts the change directly into your core system, with every record logged for your examiners.

    April Clobes
    “Every dollar we set aside in reserves is a dollar we cannot put to work for our members. We can connect members with relief options early, and in a way that respects their privacy, we create better outcomes for them while also protecting the strength of our balance sheet.”
    April ClobesPresident and CEO, MSU Federal Credit Union
    MSU Federal Credit Union

    Roll rates your board will be proud of.

    Roll rate
    ↓

    Fewer loans roll from 30 to 60 days.

    Cure rate
    ↑

    More loans return to current.

    Reserves
    ↓

    Less held for expected losses.

    Charge-offs
    ↓

    Fewer loans charged off.

    See what delinquency is costing your credit union today, and where Delinquency Shield fits.

    Built from your credit union’s NCUA call report data.

    We'll only use your email to send this report and follow up about it. See our Privacy Policy.

    No platform switch

    Already have AI voice or chat? Keep it.

    Your voice or chat AI talks with the member. Nia does the work: she weighs the member’s situation against your policy, selects the program that fits and posts the change to your core, through our Partner API. Your collections system and core stay in place.

    Nia, Constant AI's payment assistance agentNia, or the voice or chat AI you already use

    COMPLIANCE AND AUDIT

    Your policies decide. Nia does the work.

    Nia follows your credit union's policies and limits, logs every offer and outcome, and is SOC 2 Type II compliant.

    • Your policy

      Every answer follows the programs and limits you set.

    • Every member, every hour

      Same answer at 2 p.m. or 2 a.m.

    • Full audit trail

      Every offer, outcome, and posting to core is recorded and easy to pull for an exam.

    • SOC 2 Type II compliantPowered by AWS

      SOC 2 Type II compliant.

    Questions credit unions ask.

    What is Delinquency Shield?

    Delinquency Shield is agentic AI from Constant AI that handles payment assistance requests from start to finish, built to keep loans from rolling to 60 days past due. It’s run by Nia, Constant AI’s payment assistance agent, and works with the voice or chat AI your credit union already uses.

    Who is Nia?

    Nia is Constant AI’s payment assistance agent, and she runs Delinquency Shield. In one conversation, she learns what happened and how long it will last, reviews the member’s full account, weighs it against your credit union’s own policy to select the program that fits, and posts the change to your core. Members can talk to Nia directly or through the voice or chat AI your credit union already uses.

    How is it different from collections software?

    Collections software is built to ask for a payment or a promise to pay. That works when a member forgot or is delayed. It doesn’t work when a member can’t pay. Delinquency Shield delivers your payment assistance programs under your own policy.

    How long does Nia take to help a member?

    Most requests are done in 3 to 5 minutes, in one conversation, at any hour of the day. Today, the same request can take days or weeks of callbacks, queues and approvals.

    Who decides what members are offered?

    Your credit union does. Delinquency Shield only offers the programs you set up, within the limits you set. Every offer, outcome, and posting to your core is logged, so it’s easy to pull for an exam.

    Which cores does it work with?

    Today, Jack Henry Symitar and Silverlake, Fiserv DNA, Corelation KeyStone, VisiFi iPower, Nortridge and Spectrum.

    How long until we’re live?

    About 6 weeks from signing.

    Do we have to replace our chat or voice AI, or our collections system?

    No. Members can talk to the voice or chat AI you already use, connected to Nia, or to Nia directly. Your collections system and your core stay in place.

    Is it secure?

    Yes. Constant AI is SOC 2 Type II compliant and runs on AWS. You get reporting, voice recordings and transcripts.

    Proof

    1.7M+

    loan servicing transactions

    processed through our platform

    7

    core integrations

    Symitar, DNA, KeyStone, Silverlake, VisiFi iPower, Nortridge and Spectrum

    100%

    core postings logged

    Every offer and outcome is logged and ready to pull for an exam.

    24/7

    availability

    Members can ask for help at any hour, day or night.

    Resolve delinquency before it becomes a loss.

    See your credit union's delinquency, reserves, and charge-offs, built from your NCUA call report data.