Credit unions were built for this moment.
If they choose to be ready for it.
↓ Keep reading
THE MOMENT WE'RE IN
The trust gap is real.
Big financial institutions keep consolidating, streamlining, and optimizing for shareholders. Meanwhile, trust in financial services, especially among working-class communities, remains fragile. People feel used, underserved, and disconnected from the global economy. Credit unions can speak to this moment in ways no bank can.
The tech gap is closing.
Credit unions have been losing the technology race for decades. AI is changing that equation. What once required hundreds of engineers is now accessible to smaller, mission-driven organizations. The window to stop playing catch-up and start designing for differentiation is open, but it won't stay open forever.
The age gap is urgent.
The average age of a credit union member is 53. The average American is 39. That gap doesn't close on its own. Younger generations care about convenience, yes — but they're also driven by values, and they're open to a different kind of banking. The question is whether credit unions will give them a reason to show up.
THE OPPORTUNITY
Every real moment of change offers two paths: design the future you want, or watch it get decided for you.
Mergers, market pressures, and technology shifts will keep coming regardless. The credit unions that thrive over the next decade won't be the ones that reacted fastest. They'll be the ones that had a clear vision and built toward it.
THE ASK
This initiative is an invitation to co-create that vision.
Through surveys and facilitated visioning sessions — drawing on futurism frameworks and the real-world experience of people inside the industry — we're building a shared picture of what the credit union of the future looks like.
The result: a narrative about where credit unions should lead over the next decade, grounded in data, shaped by the voices of credit union leaders, and built to be used as a roadmap.
Take the Survey
About 15 to 20 minutes. A chance to put your perspective on record and shape what gets built.
Take it Online →
Join a visioning session
60 minutes, virtual, paired with two or three peers. You'll be sketching the future together in real time.
COMING SOON
All contributors will receive both the published narrative and the full data behind it.
WHO THIS IS FOR
This is for anyone who cares about the future of cooperative banking and is willing to think seriously about it.
Executives and
Board Members
You're closest to the pressure and your perspective on where this industry needs to go is exactly what this conversation requires.
Advisors and Consultants
You see patterns across organizations that no single leader can. That vantage point and outside perspective matters here.
Rising Credit
Union Leaders
You're inheriting an industry at an inflection point. This is your chance to help shape what you're stepping into.
Thought Leaders and Researchers
You've been asking the hard questions about this space. Here's a place to put those answers to work.
MEET THE AUTHORS
Co-presented by a group of future-focused leaders in the movement, with your help.
Michael Abraham
CSO, Great Lakes Credit Union
Joshua Belhumeur
VP, Brand and Content, BOxD
Experienced CU marketing consultant.
Bobbi Brown
VP, Marketing, O Bee Credit Union
Christian Ericson
Sales Director, New Era Tech
Angelica Gamble-Wong
CHRO, Mission Fed Credit Union
Rachel Harner
VP, Growth & Client Impact, BOxD
Experienced CU organizational consultant.
Kevin Karrels
CRO, Quality Data Systems
Robert McGarvey
Host, CU2.0 Podcast
Credit Union Consultant
Jason Osterhage
President & CEO, Everwise Credit Union
Mark Ritter
Host, Credit Union Conversations Podcast
CEO, Member Business Financial Services
Josh Rodriguez
Host, Banking on You Podcast
AVP, Fintech & Mission Integration, West Community Credit Union
Luis Soto
SVP & Managing Director, Strategy & Growth, First Commonwealth Credit Union
Nenuca Syquia
CEO, BOxD
Experienced CU organizational consultant.
Jason Tilley
CIO, 1st Advantage Credit Union
Linda White
Executive Director, Credit Union Women's Leadership Alliance
FOLLOW UP
Want to talk to us about this?
Reach out to us through our contact form and let us know you want to discuss this initiative. We'd love to chat.