Member management overview

The Members section is the central directory for everyone who borrows from your credit union. Every loan application belongs to a member record, and a member’s KYC status must be VERIFIED before any loan can be submitted for them. You can search, create, update, and manage members from the Members list, then jump to a member’s linked loans and uploaded documents from their profile page.

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What a member record contains

Each member profile stores the following information. Branch, Member account number (CIF), first name, last name, and date of birth are required at create. Email and phone are optional. The TRN, driver’s licence, passport, bank account, government ID number, mother’s maiden name, and notes columns are all encrypted at rest with your credit union’s own key. Five of these have a reveal control on the member profile: the TRN, driver’s licence, passport, bank account number, and notes. Reading any of those decrypted values is a separate action: the reader clicks the reveal control, which requires the members.edit capability, and each reveal is recorded in the audit log as a member.pii.revealed event. The government ID number and mother’s maiden name are also stored encrypted but have no reveal control; on the profile they show as “On file (encrypted)”. Members can also have additional contacts beyond their primary email, phone, and address. The three contact types are alternate phone (PHONE_ALT), alternate email (EMAIL_ALT), and alternate address (ADDRESS_ALT). One contact of each type can be marked as primary, enforced by a single-primary-per-type constraint. You manage contacts from the member’s profile: add a contact, remove one, or promote an existing contact to primary, which demotes the current primary of that type. Managing contacts requires the members.edit capability, and adding or removing one records a member.contact.added or member.contact.removed audit event.

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Member status tracks

Every member record carries two independent status fields that serve different purposes.

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MemberStatus, the account lifecycle

This tracks whether the member’s account is open and eligible for new loans. Suspend and reactivate are the two operations that drive this status: suspending a member sets it to INACTIVE, and reactivating sets it back to ACTIVE. Separately, a member can be soft-deleted, which hides the record from the Members list and search without losing it. The platform stores a deletion reason and timestamp on the record, and a soft-deleted member can be restored, which clears both and returns the record to the list.

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KycStatus, identity verification

This tracks whether the member’s identity has been verified through the Know Your Customer process.

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Members and loan applications

One member can have multiple loan applications over time. Each member’s profile page shows a summary of their loan history: the total number of applications and the three most recent, with links to the full details of each. Every loan application page shows the member it belongs to, so you can navigate between the two in either direction.

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Finding the Members section

Navigate to /your-slug/members to open the Members list. You can also reach it from the main navigation sidebar. From there you can search for existing members, open a member’s profile, or create a new member.

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What you can do