May 1820:00 ET
Velera Index: Digital Payments Now Drive Most Credit Union Card Spend
Velera's May Payments Index shows digital payments now account for a majority of credit and debit purchase volume in its same-store credit union card data.
Investigations · reporting · analysis
Featured
Long-form articles and analysis on cooperative finance. Structural reporting on the patterns the data reveals.
May 1720:00 ET
Navy Federal Q1 Assets Cross $203B
Navy Federal Q1 data show assets over $203B, profit up sharply and shares outrunning loan growth as credit costs ease in the March call report.
By Joshua HermanAnalysis4 min
May 1512:30 ET
Michigan Private Share Insurance Bills Get Hearing
Michigan private share insurance bills had a Lansing hearing May 13. Here is what HB 5779-5783 mean for credit unions, NCUSIF choice and boards.
By Joshua Hermanregulatory4 min
May 1420:00 ET
USDA Cuts Three Credit Unions From OneRD Lender List
USDA pulled 10 lenders from its OneRD Rural Development program over $620M in delinquent loans. Three of those banned lenders are credit unions.
By Joshua HermanRegulatory4 min
May 1320:00 ET
Credit Unions Lost the Banking Desert to Dollar General
Dollar General opens 450 stores in 2026 across America's banking deserts. Credit unions, by charter, were built to serve exactly this geography.
By Joshua HermanAnalysis4 min
May 920:00 ET
Credit Union Auto Loans Held Up. The Cycle Isn't Done.
Credit union auto loans printed flat delinquency last quarter while Wall Street ate $340M+ in Tricolor losses. History says the second wave still comes.
By Joshua HermanLending4 min
May 920:00 ET
Credit Union Cores Solve a Problem We No Longer Have
Credit union cores were the right answer when databases were brittle and compute was expensive. In 2026 they answer a question nobody is asking.
By Joshua HermanTechnology4 min
May 520:00 ET
FIS-Anthropic AI Agent: What Credit Unions Should Know
FIS and Anthropic put agentic AI inside the bank core, starting with AML. What the deal means for credit unions — on FIS and on every other core.
By Joshua HermanTechnology4 min
May 520:00 ET
Credit Union Q1 2026: PenFed First to Report
PenFed posted Q1 2026 net income up 56%, ROA at 1.27% — well above the 2025 industry print of 0.79%. The first credit union Q1 2026 read suggests a bounce.
By Joshua HermanAnalysis4 min
May 120:00 ET
Alkami Digital Banking 2026: Growth, Buyback, and Risk
Alkami digital banking ARR hit $493.6M in Q1 2026 alongside a new $100M buyback. What the growth, losses, and capital returns mean for credit unions.
By Joshua HermanAnalysis4 min
Apr 2720:00 ET
How Members 1st Federal Credit Union Is Helping Members Stay Ahead of Credit Card Fraud This Travel Season
--> As spring turns into summer, increased travel and on-the-go spending create more opportunities for fraudsters.
By Members 1st FCUTechnology3 min
Apr 2020:00 ET
BNPL Groceries: The Prime Member Your Model Can't See
BNPL groceries jumped from 14% to 25% of users in one year. Credit bureaus miss most of it. Your prime member is thinner than their FICO shows.
By Joshua HermanAnalysis4 min
Apr 2020:00 ET
Solo, Not Alone: Building an AI Company with AI
One founder, zero employees, five AI agents shipping code and running operations daily. Inside the operating reality of building a company on the thesis that AI redefines what a team looks like.
By Sean HsiehTechnology4 min
Apr 1620:00 ET
From Real Estate Tech to Credit Union AI: Why I Bet My Next Company on the Movement
Credit union AI needs infrastructure, not hype. Runline founder Sean Hsieh explains why he left fintech to build the pipes credit unions need.
By Sean Hsieh, Founder & CEO of RunlineTechnology4 min
Apr 1320:00 ET
Monzo US Exit: The Moat That Saved CUs Traps Them Too
Monzo's US exit ended years of neobank hype. But the regulatory moat that blocked it also limits credit union growth — and the real threat already found a way around it.
By Joshua HermanAnalysis4 min
Apr 1320:00 ET
Credit Union Loan Delinquency Was Rising Before Gas Hit $4
Credit union loan delinquency hit a 12-year high before gas crossed $4. A K-shaped oil shock is now accelerating losses in the most exposed portfolios.
By Joshua HermanAnalysis4 min
Apr 1320:00 ET
How Members 1st Federal Credit Union is Leading the Way with Member Appreciation
Byline: Steve Hemler, Chief Experience Officer, Members 1st Federal Credit Union As financial institutions compete on technology and convenience, credit...
By Joshua HermanTechnology4 min
Apr 820:00 ET
Fiserv: What Happened and What's Ahead
Fiserv lost roughly 77% of its market value in thirteen months. A CEO exit, earnings reset, and banking revenue decline reshaped the company.
By Joshua HermanAnalysis4 min
Apr 720:00 ET
X Money Will Go Live to 600 Million Users
X Money is going live with 6% APY, a Visa debit card, and FDIC-insured deposits to 600 million users. What it means for banks and credit unions.
By Joshua HermanAnalysis4 min
Mar 3120:00 ET
Credit Union Fraud Detection: What Shopify Gets Right
Shopify trains its fraud model on 10 billion transactions across millions of stores. Credit unions run fraud detection in complete isolation.
By Joshua HermanAnalysis4 min
Mar 3020:00 ET
Gen Alpha Credit Union Members Will Never Walk In
Gen Alpha credit union membership won't happen at a branch. With the average member age at 53, the window to reach the next generation is closing fast.
By Joshua HermanAnalysis4 min
Mar 3020:00 ET
Credit Union Branch Strategy: Target Just Bet $5B on Stores
Target is spending $5B on new stores while credit unions close branches. The retailer's strategy reveals what most credit union branch strategies get wrong.
By Joshua HermanAnalysis4 min
Mar 2620:00 ET
Credit Union Podcasts to Watch... or Listen To
From leadership and lending to regulation and growth, here are the credit union podcasts worth adding to your listening stack in 2026.
By Joshua HermanNews4 min
Mar 2620:00 ET
Credit Union Fraud Detection: What Casinos Already Know
Casinos and credit unions follow the same BSA rules. One spends billions on real-time surveillance. The other catches fraud after the money is gone.
By Joshua HermanAnalysis4 min
Mar 2620:00 ET
Sports Betting Members Are Showing Up in Delinquency Data
Sports betting members are driving rising delinquencies, falling credit scores, and a bankruptcy spike — and most credit unions aren't tracking it.
By Joshua HermanAnalysis4 min
Mar 2320:00 ET
Credit Union Core Processor Lock-In: A Strategy Tax
Credit union core processor contracts run 5-7 years with seven-figure exit penalties. That's not a vendor relationship — it's a ceiling on everything else.
By Joshua HermanTechnology4 min
Mar 2120:00 ET
Credit Union Cards: Beyond APR in a Rewards-Driven Market
Credit unions control just 6% of credit card outstandings despite 130M members. The gap reflects structural challenges competing on rewards when lower APRs don't matter to transactors.
By Joshua HermanLending4 min
Mar 1920:00 ET
AI Wrappers in Credit Union Tech: How to Spot Them
Most AI products in financial services are AI wrappers — thin interfaces on third-party models. Here is how credit unions can tell the difference before signing a contract.
By Joshua HermanTechnology4 min
Mar 1620:00 ET
Creator Economy Gives Credit Unions a Second Chance
The creator economy has 207 million creators globally and 45 million U.S. professionals earning irregular income — the exact population credit unions were built to serve.
By Joshua HermanGrowth4 min
Mar 1620:00 ET
Agentic AI Is the Biggest Shift Since Mobile Banking
Gartner predicts 40% of enterprise apps will feature agentic AI by end of 2026 — up from 5%. But more than 40% of projects will fail. Here is what credit unions need to know.
By Joshua HermanTechnology4 min
Page 1 of 3 · 78 totalOlder →