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    Credit Union Core

    Metro 2 Integration for Symitar Episys

    Integrate Jack Henry's Symitar Episys core banking system with Metro2 for automated credit union Metro 2 reporting. Episys is the largest credit union core platform with approximately 31.7% market share, serving around 900 credit unions. Metro2 connects via PowerOn scripting extracts or the SymXchange SOAP/XML middleware layer, mapping member loan data to compliant Metro 2 format. Report all loan types including share-secured, auto, HELOC, credit cards, and personal loans. Episys does not include native Metro 2 reporting, so credit unions rely on third-party solutions like Metro2 to fulfill bureau submission requirements.

    How It Works

    Symitar Episys exports member and loan data via PowerOn scripting or SymXchange SOAP/XML middleware. Metro2 maps credit union loan structures, share relationships, and payment histories to Metro 2 Base Segment format with appropriate K-segment association data, then submits to Equifax, Experian, and TransUnion.

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    Credit Bureaus

    Benefits

    Largest CU Core

    Purpose-built for the dominant credit union platform with 31.7% market share across approximately 900 credit unions.

    PowerOn & SymXchange

    Connect via PowerOn scripting extracts or SymXchange SOAP/XML middleware depending on your IT preferences.

    All Loan Types

    Report auto, personal, credit card, HELOC, share-secured, and any custom loan products.

    Member Credit Building

    Help members build credit scores with accurate, timely reporting to all three bureaus.

    NCUA Audit Ready

    Full documentation and audit trails for NCUA examinations and compliance reviews.

    Data Fields That Sync

    Metro2 maps these fields from Symitar Episys to Metro 2 format automatically.

    • Member demographics and SSN
    • Loan type, terms, and rates
    • Share and account relationships
    • Payment history and transaction records
    • Current balance and account status
    • Co-borrower and joint member data
    • Collateral information
    • Delinquency and charge-off status

    Get Set Up in 4 Steps

    1

    Choose Data Method

    Select PowerOn scripting extract or SymXchange SOAP/XML connection based on your credit union's IT capabilities and preferences.

    2

    Configure Episys Export

    Set up scheduled PowerOn batch extract or SymXchange API credentials. Metro2 provides standard PowerOn templates that can be customized.

    3

    Map Loan Products

    Configure how each loan product (auto, HELOC, credit card, share-secured) maps to Metro 2 portfolio types and account type codes.

    4

    Validate and Launch

    Run test submissions against bureau validation, review exception reports, and enable production reporting.

    Frequently Asked Questions

    Do I need custom PowerOn scripts?

    Metro2 provides standard PowerOn extract templates that work for most credit unions. If your loan structure or data model requires customization, we can modify the scripts. Many credit unions already have PowerOn extracts for other purposes that can be adapted.

    How are share-secured loans reported?

    Share-secured loans are reported as installment accounts with the appropriate collateral indicator in the Metro 2 Base Segment. The share relationship is preserved in the data mapping.

    Can I use SymXchange instead of PowerOn?

    Yes. SymXchange is Jack Henry's SOAP/XML middleware layer that exposes Episys data via web services. It is an alternative to PowerOn batch extracts and supports real-time data access. Metro2 supports both methods.

    Does Episys have native Metro 2 reporting?

    No. Symitar Episys does not include built-in Metro 2 file generation or credit bureau submission. Credit unions use third-party solutions like Metro2 to handle this requirement.

    How many third-party integrations does SymXchange support?

    SymXchange supports over 150 third-party integrations. Metro2 leverages this established middleware layer so your IT team does not need to build custom export logic.

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    Ready to Connect Symitar Episys?

    Start reporting to credit bureaus from Symitar Episys today. Our team will help you get set up quickly.