This report analyzes the reputation challenges faced by a large US credit union regarding its outbound phone calls. The credit union, which serves nearly 900,000 members and manages over $19 billion in assets, has been experiencing significant issues with its calls being misidentified as spam or robocalls. The analysis reveals that approximately 80 to 90% of its outbound calls are flagged as spam by various analytics systems, resulting in low answer rates and potentially harming customer service and fraud prevention efforts. The report details findings from various sources, including FTC complaints and crowdsourced spam-reporting platforms, which indicate a negative perception of the credit union's phone numbers. Recommendations are provided to improve call identification and customer engagement, including implementing branded calling, managing telephone number reputation, and optimizing dialing procedures. These measures aim to enhance the legitimacy of the credit union's calls and restore trust among its members.