If your team has not started your AI strategy, you will not be working towards efficiencies. You will be working on merger strategies. The gap is real, it is growing, and it is hitting every corner of your credit union whether you are ready or not. No single credit union has the budget to out-tech a big bank. But that has never been how we win.

The institutions that figure this out together--that share what works, build what fits, and move as a community--will do more for their members than any bank ever could.

The Underground Reckoning is where that work starts.