Wipfli ：2026年美国信用合作社状况研究报告（英文版）（42页）.pdf

1、THE STATE OF THE CREDIT UNION INDUSTRY Research and outlook for 2026 Table of contentsExecutive summary Methodology and demographics Market outlook Digital strategy and AI Fraud and cybersecurity Branch strategy Looking ahead Appendix:The raw data3571216192124State of the credit union industry 2026|

2、2Credit unions are ready for reinvention This years state of the credit union industry report highlights how leaders are adapting strategies to meet modern member needs strengthening digital capabilities,refining branch roles and preparing for a technology-driven member landscape.State of the credit

3、 union industry 2026|3This marks Wipflis fifth consecutive year studying credit union executives perspective on the financial services environment.Heres what weve learned:Confidence is strongThe credit union executives surveyed project steady growth in 2026.More than half(57%)of respondents expect a

4、sset growth of more than 5%in the next 12 months.Confidence was slightly stronger among respondents from large($3B+in asset size)and mid-sized($1B-$3B)credit unions.Digital dominates priority listsRespondents most important strategies and top concerns were digital.Improving digital member engagement

5、 ranked as the most important strategy for the next 12 months,closely followed by data analytics/AI and accepting instant payments.Wipfli surveyed 100 credit union executives to understand their business outlook,pain points and strategic priorities for the year aheadKey insightsAmong the credit unio

6、n executives we surveyed:57%expect asset growth of more than 5%in the next 12 months.92%are participating in or planning to participate in banking as a service(BaaS)/embedded banking up from 76%last year.77%experienced at least one incident of unauthorized network access in the past year.46%reported