2025 Fintech Credit Union Survey Results

This report presents the findings of the 2025 Fintech Credit Union Survey, which investigates the technology adoption strategies and challenges faced by credit unions. The survey includes responses from credit unions regarding their approach to new technology, primary objectives guiding their technology strategies, and perceived competitive threats. Key results indicate that a significant portion of credit unions consider improving operational efficiency as their main objective, while financial technology companies and neo/challenger banks are viewed as major competitive threats. The report also details the digital capabilities offered to retail and small business members, with a high percentage of credit unions providing services such as loan applications, deposit onboarding, and personal financial management tools. Additionally, the survey addresses concerns regarding stablecoins and cryptocurrency, as well as the effectiveness of technology investments in achieving desired outcomes. Overall, the findings highlight the evolving landscape of technology in the credit union sector and the ongoing challenges in meeting member needs.