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THE CREDIT UNION DIGITAL INDEX · Q3 2026

Size doesn't predict the score.

Each quarter we score 400+ credit unions and publish the aggregate: median score by asset band, the dimensions where the category is weakest, and the gap between the top and bottom quartile. Individual scores stay private.

MEDIAN SCORE BY ASSET BAND0–100
<$100M41
$100M–$500M48
$500M–$1B56
$1B–$10B61
>$10B58
Illustrative values pending the first full index run.

What the category gets wrong

6/10

People who start the join form don't finish

Acquisition path is the lowest-scoring dimension across every asset band.

Rates

Selling the rate, never asking for the relationship

Homepages that lead with a certificate rate and offer no way to join from primary navigation.

Awards

Brand awards aren't protecting the funnel

Large institutions with digital-banking accolades still score in the 40s on acquisition path.

How we publish

Scores are derived from publicly observable websites and public Call Report data. We publish aggregate percentiles and anonymized bands. Your institution's own number goes to you and no one else.

See where you sit
  1. 01Quarterly, timed to the 5300 Call Report filing.
  2. 02Aggregate results only: medians, quartiles and dimension gaps by asset band.
  3. 03No institution is named. No individual score is published.
  4. 04Movement is reported release over release, so the index is a running story rather than an annual PDF.